Insights

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.

Article Archive - 2023
Continuing Saga of CFPB 1071 Small Business Data Reporting Rule   December 2023
Illinois Requires Repossession Agents to Clear Personal Data from Vehicles   December 2023
Data Security Déjà Vu: FTC Finalizes Notification Event Amendment to Safeguards Rule   December 2023
New York DFS Finalizes Amendments to Cybersecurity Regulations   November 2023
Florida Regulator Clarifies Money Transmitter Licensing Exemptions (or lack thereof)   November 2023
CFPB Bites of the Month - November 2023 - Giving Thanks to the CFPB   November 2023
Massachusetts Attorney General Proposes Regulation Governing "Junk Fees" and Other Sales Practices   November 2023
Connecticut Broadens Scope of Small Loan Act   October 2023
New York Moves to Vest DFS With Control Over Certain Deposit Charges   October 2023
CFPB Bites of the Month - October 2023 - Bewitching the CFPB   October 2023
FTC TurboTax Initial Order Offers Key Advertising Compliance Lessons   October 2023
Are Your Employees Taking Loan Applications? The Reach and Consequence of Mortgage Loan Originator Licenses   September 2023
DOJ Proposes Rule on Web Content Accessibility for Governmental Entities   September 2023
CFPB Bites of the Month - September 2023 - Harvesting the Latest Compliance Crop   September 2023
New York Department of Financial Services Reminds Auto Finance Companies to Credit Consumers for Ancillary Product Refunds   September 2023
California DFPI Issues Final Rules on Commercial Financing UDAAP and Annual APR Reporting   August 2023
Online Chat Features and California's Two-Party Consent Rule for Recording Conversations   August 2023
CFPB Bites of the Month - August 2023 - School Bells Ringing Loud and Clear, Vacation's Over, CFPB is Near   August 2023
Indiana Department of Financial Institutions Publishes Advisory Letter on Characterization and Disclosure of E-Lien Fees   August 2023
White House Consumer Fee Focus Turns to Rental Housing Fees, Disclosures   July 2023
CFPB Fines Large National Bank for Withholding Credit Card Rewards, Charging Multiple Non-sufficient Fund Fees, and Opening Unauthorized Accounts      July 2023
CFPB Bites of the Month - July 2023 - Freedom, Independence, and Celebration From the CFPB   July 2023
Montana, Texas, and Oregon Legislatures Pass Comprehensive Data Privacy Laws   June 2023
Federal Bank Regulatory Agencies Issue Final Joint Guidance for Managing Third-Party Relationship Risks   June 2023
CFPB Bites of the Month - June 2023 - A New Definition of Summer Madness   June 2023
Online Chat Features and California's Two-Party Consent Rule for Recording Conversations   June 2023
Spotlight on "Abusive" Practices—The CFPB's Policy Statement and What It Means for Your Business   May 2023
CFPB Fines National Bank $9 Million for Improper Handling of Credit Card Billing Error Notices and Claims of Unauthorized Use   May 2023
CFPB Bites of the Month - May 2023 - May I Have Another, CFPB   May 2023
Much Ado About Colorado   May 2023
Government Accountability Office Annual Report Weighs Benefits and Risks of Consumer Fintech Products   April 2023
Utah Leads Efforts to Limit Access to Social Media   April 2023
CFPB Bites of the Month - April 2023 - Stress Awareness Month and the CFPB   April 2023
CFPB Issues SCRA Paper Identifying Underused Benefits   April 2023
Four (or Fewer) Thoughts on the CFPB and Buy Now, Pay Later: A Review of "Consumer Use of Buy Now, Pay Later."   March 2023
California Senator Introduces Bill to Make Commercial Brokers Fiduciaries of Borrowers   March 2023
CFPB Bites of the Month - March 2023 - Beware the Ides of March and the CFPB   March 2023
FTC Accepts Comments on Potential Rule to Combat Fake Reviews and Other Deceptive Endorsements   March 2023
New Jersey Reaches Consent Order with Yellowstone Capital Regarding MCA Agreements   February 2023
FCC Acting on Multiple Fronts to Maintain TCPA's Relevance   February 2023
CFPB Bites of the Month - February 15, 2023 - "Every Compliance Rose Has Its Thorns"   February 2023
CFPB Proposes Public Registry of Form Consumer Contracts that Waive or Limit Consumer Rights   February 2023
Time Is of the Essence: Hidden Time Limits in Statutory Requirements   December 2022/January 2023
Seller Beware: Avoiding Negative Attention on Your Negative Option Contracts   December 2022/January 2023
CFPB Bites of the Month - January 2023 - May Old Compliance Acquaintances be Forgot   December 2022/January 2023
Is Overdraft and NSF Income at a Tipping Point?   December 2022/January 2023

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