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.
2025 Financial Services Conference
November 2-4, 2025
Save the Date! Our 21st Annual Conference is in Baltimore at the Four Seasons Hotel. For more details and to register, click here.
Last Week, This Morning®
Key developments from the past week in consumer and commercial finance and privacy law.
Arizona DIFI Encourages Financial Institutions to Provide Assistance to Individuals and Businesses Impacted by Federal Government Shutdown
New Jersey Settles Claims Alleging Real Estate Companies' "Homeowner Benefit Agreements" Were Deceptive and Unconscionable
New Jersey Law Allowing Borrowers to Make Biweekly or Semi-Monthly Mortgage Payments Is Now Effective
Oklahoma Permits Imposition of Surcharge for Use of Credit Card by Customers in Consumer Lease and Credit Sale Transactions
FTC Identity Theft Portal Unavailable Due to Government Shutdown - Alternative Steps for Consumers
Three States Settle Claims Against Educational Technology Company
CFPB Issues Interpretive Rule on FCRA Preemption of State Laws
CFPB Rescinds Nonbank Registry Rule
CFPB Withdraws Proposed Rule Requiring Nonbanks to Register Information About Their Use of Certain Terms and Conditions in Form Contracts
California DMV Adopts Rule Establishing Valuation Method for Vehicles Subject to Lien Sales
Senate Banking Committee Democrats Ask CFPB's Acting Director About Plans to Shut Down Agency
New York DFS Issues Guidance on Managing Cybersecurity Risks Related to Third-Party Service Providers
New Jersey Adopts Rules Requiring Foreign Language Disclosures by Consumer Reporting Agencies
Maryland OFR Issues Advisory on 2026 License and Registration Renewal Process
Nevada Adopts Rules Establishing Requirements for Mortgage Company Employees to Conduct Business at Remote Location
Hudson Cook Insights
Today's Trends in Credit Regulation
Massachusetts Division of Banks Revises Debt Collection and Servicing Regulation, Incorporating Reg F - With Some Tweaks
By Anastasia V. Caton and Thomas P. Quinn, Jr.
The Massachusetts Division of Banks ("DOB") has revised its regulation that governs the conduct of debt collectors, student loan servicers, and third-party loan servicers. article continued
Consumer Protection State Enforcement Update
Alaska's AG touts its investigative authority, Oregon's legislature considers whether additional state resources and legislation are needed to fill the federal gap in consumer protection enforcement, and privacy practices remain a bipartisan focus article continued
Consumer Financial Services Bites of the Month - October 15, 2025 - "October Road with the CFPB"
By Justin B. Hosie, Eric L. Johnson and Kristen Yarows
In this month's article, we share some of our top "bites" covered during the October 2025 webinar. article continued
Colorado Artificial Intelligence Act: What Indirect Finance Sources and Dealerships Should Do Now to Prepare
By Jay Harris and Mark D. Metrey
Colorado Governor Jared Polis signed a special session bill on August 28 moving the effective date of the Colorado Artificial Intelligence Act to June 30, 2026. article continued