The StateLaw Counselor series of databases was created and is maintained by the attorneys of Hudson Cook, LLP. Our goal is to provide subscribers with a simple resource to identify and locate the state laws that affect typical consumer credit transactions. The databases contain general descriptions of some of the state laws that we have identified to be relevant to companies engaged in consumer credit transactions.

Unlike other database services, when an issue is not addressed by state law, StateLaw Counselor gives a "reasoned" answer. StateLaw Counselor can produce 51-jurisdiction reports on things like finance charge rates, late charges, grace periods, GAP, other fees and charges, licensing - more than 100 topics per product - in a couple of minutes. The reports can be tailored in "short answer" format, or you can drill deeper and get backup citations and analyses. There are no "per user" charges. When your organization subscribes, anyone in your organization with a need to use the service can use it.

All StateLaw Counselor databases now contain links to nearly all state laws and regulations cited using LexisNexis®. The LexisNexis cites are provided at no additional cost for our users and are available whether or not a user is a LexisNexis subscriber.

For a personal guided tour and trial of any of our products, please contact Michael Willer at 614-855-0505 or by email at .

CARLAW and HouseLaw are monthly, multi-faceted, legal reporters for their respective industries. CARLAW, for legal compliance specialists in the automobile industry - automobile lessors, finance companies and companies that service the automobile industry, including law firms. And HouseLaw, for mortgage lenders, brokers and others involved with housing finance. HouseLaw is compiled from a number of sources in an effort to present the most comprehensive monthly report of legal developments in the housing finance and home equity lending areas.

CARLAW and HouseLaw will keep you informed. As they arise, important developments are delivered to subscribers electronically via Email Alerts. Once a month, we publish a full report of the prior month's developments. The full report contains the complete text of all reported cases, newly enacted state legislation, state and federal regulations and state attorney general opinions. It also contains summaries of each reported case as well as various other items of interest to subscribers.

CARLAW and HouseLaw rely upon numerous computerized searches to track state legislation, regulatory developments and state attorney general opinions. The results of these searches are reviewed to identify developments that are likely to be of interest to subscribers. Our State Editors contribute material for publication, and materials from other sources (including materials provided by subscribers) are added to items identified in the computer search and by our State Editors.

PrivacyLaw consists of two parts, a State and Federal Law Database Section that covers a wide range of issues within the subjects of data privacy, data security, and marketing, and a Legal Reporter Section, which is a monthly, multi-faceted legal reporting service for legal compliance specialists who are responsible for issues regarding data privacy, data security, and marketing across a wide range of industries.

State and Federal Law Database

The State and Federal Law Database covers the subjects of data privacy, data security, and marketing. Within each of the 14 subject matters, PrivacyLaw provides a general overview of the regulatory approach of each state as well as the federal government, including covered entities and conduct, explains applicable standards in detail, describes available exceptions and safe harbors, and outlines possible penalties in the event of violations. The covered subject matters include: (1) Data Collection, Sharing, and Use; (2) Data Security; (3) Data Disposal; (4) Data Breach Notification; (5) Identity Theft Mitigation and Prevention; (6) Social Security Numbers; (7) Spyware, Adware, and Behavioral Advertising; (8) Unfair or Deceptive Acts and Practices; (9) Telemarketing; (10) Email Marketing; (11) Marketing Via Fax; (12) Direct Mail Marketing; (13) Sweepstakes; and (14) Home Solicitation Sales.

The State and Federal Law Database contains links to nearly all state laws and regulations cited using LexisNexis®. The LexisNexis cites are provided at no additional cost for our users and are available whether or not a user is a LexisNexis subscriber.

Legal Reporter

The Legal Reporter component of PrivacyLaw is a monthly, multi-faceted legal reporting service for legal compliance specialists who are responsible for issues regarding data privacy, data security, and marketing across a wide range of industries. It is compiled from a number of sources in an effort to present a comprehensive monthly report of legal developments in these areas.

The Legal Reporter section will keep you informed. We personally select important developments and as they arise deliver them to subscribers electronically via Email Alerts. Once a month, we publish a full report of the prior month's developments. The full report contains the complete text of all reported cases, newly enacted state legislation, state and federal regulations, and state attorney general opinions. It also contains summaries of each reported case as well as various other items of interest to subscribers.

Our legal reporting services rely upon numerous computerized searches to track state legislation, regulatory developments, and state attorney general opinions. The results of these searches are reviewed to identify developments that are likely to be of interest to subscribers. Hudson Cook, LLP contributes material for publication, and materials from other sources (including materials provided by subscribers) are added to items identified in the computer search.

Spot Delivery is a concise, easy-to-read, monthly legal update that you can depend on to provide timely answers to legal questions you face every day. This newsletter addresses complex legal issues from an industry perspective; it also keeps you informed on new legal developments affecting your business.

Spot Delivery provides authoritative, reliable information in easy-to-read, plain English. The newsletter provides familiar factual scenarios, identifies the legal issues involved and presents real court resolutions and suggestions on how you might avoid similar legal pitfalls. This practical, useful publication will provide you and your management team with valuable knowledge designed to increase awareness of legal consequences attendant to everyday business decisions.

Basis Points is a new monthly publication designed to keep creditors informed about the current trends and legislation that will affect the way they do business in this new era of regulation and re-regulation. Basis Points will include articles to help creditors identify and flag important issues and respond to new compliance obligations that arise from new regulations and enforcement of existing regulations.

Basis Points will address a variety of topics pertinent to creditors engaged in mortgage lending and servicing, auto finance, student lending, and direct lending.

National Release Guide™ is designed to assist mortgage industry professionals and attorneys involved in compliance with the laws and penalties associated with the satisfaction, release or cancellation, of real property mortgages and deeds of trust, nationwide. This online database is a statutory guide to the release of mortgages and satisfaction of deeds of trust for all 50 states and Puerto Rico. More ...