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.
2026 Financial Services Conference
November 8-10, 2026
Save the Date! Our 22nd 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.
Federal Agencies Issue Guidance on Lending to Borrowers Not Legally Authorized to Work in U.S.
Federal Agencies Issue Statement on Handling of Highly Sensitive Information During Bank Examinations
District of Columbia AG Reaches Settlement With Rent-to-Own Company
Indiana Issues Advisory Regarding Obligation to Refund Unused Portion of Credit Insurance and/or GAP Upon Prepayment of Vehicle Financing
New York City Delays Effective Date of Amended Debt Collection Rule
CFPB Requests Information on Potential Changes to Mortgage Regulations
Maryland Adopts New Rules Defining "Abusive" Practices Under State's Consumer Protection Act
Missouri Criminalizes Unlawful Tracking of Motor Vehicle
State AGs Reach Multistate Settlement with Provider of Peer-to-Peer Payment App
FTC Settles Claims Against Amazon for Alleged FCRA Violations
FTC Seeks Comment on Proposed Policy Statement Concerning Suppression of Accuracy in AI Systems
U.S. Senators Probe Private Equity Firm's Relationship with Private Student Lender
South Carolina Enacts Guarantee Banking Act
Illinois Amends Sales Finance Agency Act
Company Providing "Home Equity Agreements" to Homeowners Resolves Claims It Failed to Comply with Colorado UCCC
Hudson Cook Insights
Today's Trends in Credit Regulation
The Hudson Cook Usury Monitor - A Publication of Recent Usury and Finance Charge Cases - Spring 2026
By Clayton C. Swears
For those interested in all things "Interest" related, we provide a summary of recent state and federal court cases involving usury, finance charges, and interest rates, as they relate to the consumer and commercial credit industries. Please look for our next edition towards the end of summer. article continued
Former CFPB Director Chopra's New Role—"California Will Be Firing on All Cylinders"
By Eric L. Johnson
On May 12, California Governor Gavin Newsom announced the appointment of former Consumer Financial Protection Bureau Director Rohit Chopra to serve as secretary of California's new Business and Consumer Services Agency. If you're doing business in California, have any California contracts in your portfolio, or have consumers with a California address, your world just got a lot more complicated. article continued
Consumer Financial Services Bites of the Month - June 17, 2026 - "Rainy Day in June."
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 June 2026 webinar. article continued
Analysis of New York City Debt Collection Regulation: Part 2 (Challenges for Third Party Collectors)
By Anastasia V. Caton, Charles F. Dodge, Jr. and Thomas P. Quinn, Jr.
As mentioned in Part 1 of our article series, the revised New York City debt collection regulation will become effective on the first of September - so operationalizing compliance with the new rules should be well underway. In this issue, we will focus on contact requirements that will present some challenging nuances for third-party debt collectors trying to comply with both federal Reg F and the revised New York City rule. article continued