Consumer Credit and Privacy Compliance

Online research tools to manage compliance with federal and state laws and regulations

CounselorLibrary.com, LLC, an affiliate of the law firm of Hudson Cook, LLP, is the leading compliance resource for the consumer financial services and privacy industries, providing comprehensive coverage and analysis of federal and state laws, regulations, and litigation. Select a category below, or view all products.

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Auto Law Compliance - Learn More
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Mortgage

Mortgage Law Compliance - Learn More
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Installment

Installment Law Compliance - Learn More
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Goods/Services

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Boat/RV/Powersports

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Privacy

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2024 Financial Services Conference

November 6-8, 2024

Save the Date! Our 20th Annual Conference is in Baltimore at the Four Seasons Hotel. For more details and to register, click here.

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Last Week, This Morning

Key developments from the past week in consumer and commercial finance and privacy law.

National Bank Settles Allegations that it Furnished Information to CRAs in Violation of FCRA

FHFA Releases Mortgage Loan and Natural Disaster Dashboard

California Privacy Protection Agency Issues Advisory on Avoiding Dark Patterns When Offering Consumers Privacy Choices

CFPB Reaches $120 Million Stipulated Settlement with National Student Loan Servicer and Imposes Ban

Mortgage Lender's VA Cash-Out Refinance Loans Allegedly Violated CFPA

CFPB's Annual FDCPA Report to Congress Focuses on Medical and Rental Debt Collection

California Legislature Passes Bill Applying Consumer Debt Collection Law to Commercial Financing Providers

State Attorneys General Submit Comment Letter on CFPB's Proposed Interpretive Rule Concerning EWA Products

Federal District Court Rejects Claims that CFPB Violated APA in Promulgating Small Business Lending Rule

CFPB Issues Report on Cash-Back Fees

FTC Updates Fees Charged for Access to National Do Not Call Registry

FHA Establishes Interim Procedures for Nonjudicial Foreclosures with Secretary-Held Subordinate Liens

Colorado Revises UCCC Recordkeeping Requirements, Creates Rule Governing Consumer Legal Funding Transactions, and Limits Applicability of Rule Governing Permissible GAP Charges

Hudson Cook Insights

Today's Trends in Credit Regulation

Bill Under Consideration in California Would Apply Collections Law to Commercial Financing Providers

By Eric Mulligan

California's Senate Bill 1286 is under consideration in the Legislature. The bill, if passed, would expand the scope of the Rosenthal Fair Debt Collection Practices Act to cover the collection of certain commercial-purpose debts. article continued

CFPB Issues Consent Order Related to Bank's Duplicative Force-Placed Insurance Policies

By Frank H. Bishop, Jr.

On July 9, 2024, the Consumer Financial Protection Bureau issued a consent order against a nationally chartered bank that, among other things, includes a number of allegations related to the bank's policies regarding force-placed collateral protection insurance or FPI. article continued

CFPB Bites of the Month - August 2024 - All That's Left of the CFPB's Summer Sky

By Justin B. Hosie, Eric L. Johnson and Kristen Yarows

In this month's article, we share some of our top "bites" for the prior and current month covered during the August 2024 webinar. article continued

FTC Expands Creative Use of Gramm-Leach-Bliley Act to Recover Consumer Redress from Defendants

By Michael A. Goodman

In 2021, the U.S. Supreme Court held unanimously in AMG Capital Management, LLC v. Federal Trade Commission that the Federal Trade Commission is not entitled to consumer redress in cases brought under Section 13(b) of the FTC Act. article continued

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