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Today's Trends in Credit Regulation

Welcome to Hudson Cook Insights - a collection of articles written each month by the attorneys of Hudson Cook, LLP, in an effort to keep their clients and other compliance professionals informed about current trends and developments in consumer credit finance that will affect the way they do business.

October 2017

Will the CFPB's New Short-Term Loan Rules Limit Texans' Access to Consumer Credit?

By Hurshell Brown

After much speculation and anticipation by consumer lenders, the Consumer Financial Protection Bureau (CFPB) released its final rules regulating short-term loans and some longer-term loans on October 5, 2017. These new rules address what the CFPB believes are unfair and abusive acts and practices in connection with certain types of consumer loan transactions. article continued

Recent FTC Suit Highlights Alleged Deceptive Practices in Negative Option Plans

By Webb McArthur

The FTC recently sued a long series of companies involved in advertising and selling "risk-free trials" of teeth whitening products. The FTC's complaint in this case should be informative for any company offering trials of goods or services. article continued

CFPB Zeroing in on the Creditor/Vendor Relationship

By H. Blake Sims and Erica A.N. Kramer

On September 5, the Consumer Financial Protection Bureau entered into a consent order with Zero Parallel, LLC, a lead aggregator for online lenders. The CFPB alleged that Zero Parallel steered consumers toward lenders it knew were likely to make illegal or unlicensed loans that would be considered void under certain states' laws. article continued

CFPB Watch for Auto Dealers

By Michael A. Benoit

With folks returning from their summer vacations, things on the regulatory side begin to heat up a bit. This month, the Department of Justice, the Federal Trade Commission, and the Consumer Financial Protection Bureau were active. article continued

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