ALL CFS Blog Entries

SEC – CFTC Harmonization Event Rescheduled to Jan. 29Insights from the CFPB's Latest Report on Credit Invisibility

All Entries

Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – March 26, 2026Troutman Pepper Locke Attorneys Publish ABA Article on FCRA “Reasonable Reinvestigation” Standard

Arbitration

Earned Wage Access Product Deemed Credit Under MLA, Leading Federal District Court to Deny Motion to Compel ArbitrationNinth Circuit Mandates Arbitration in Millionaire Match Case: Emphasizes Totality of Circumstances in Online Contract Formation

Auto Finance

Auto Finance Year in Review, Part 1: From FTC CARS Rule Collapse to a State-Led PatchworkFTC Warns 97 Auto Groups On "Total Price" Advertising

Background Screening

FTC and Arizona AG Reach $2.6 Million Settlement with Motor Vehicle Dealer Over Alleged Deceptive and Discriminatory Sales and Financing PracticesCFPB Proposed Rule Banning Reporting of Medical Debt

Banking

Treasury Outlines Innovation Roadmap for Countering Illicit Finance in Digital AssetsNCUA Proposes GENIUS Act Licensing Framework for Credit Union Stablecoin Issuers

Bankruptcy

Turning Point for Digital Assets: 2025 Year in Review and What Comes NextGENIUS Act: A Game-Changer for Crypto Bankruptcy Priorities

Better Business Bureau (BBB)

Join Us on August 10 for a Webinar on A Review of the New York Cybersecurity FrameworkBetter Business Bureau Data Show Sharp Decline in Debt Collection Complaints

Class Actions

Fifth Circuit Holds TCPA Does Not Require Prior Express Written Consent for Telemarketing CallsIllinois Supreme Court Redefines Concrete Injury Requirement in No-Injury Cases

Consumer Financial Protection Bureau (CFPB)

January Consumer Litigation Filings: 2026 Starts Out with a BangSigns of Life at the CFPB

Consumer Financial Services

2025 Consumer Financial Services Year in Review and a Look AheadFinancial Services Industry 2025 Digital Assets Year in Review

COVID-19

New York Federal Court Finds Failure to Review Account Notes When Investigating a Dispute Could Be Considered Reckless Under the FCRANinth Circuit Rejects Constitutional Challenge to Nevada Medical Debt Legislation; Also Finds Legislation Not Preempted by FDCPA or FCRA

Credit Reporting + Data Brokers

Troutman Pepper Locke Attorneys Publish ABA Article on FCRA “Reasonable Reinvestigation” StandardHouse Financial Services Committee Discussion Draft to Amend GLBA and Preempt State Regimes

Cryptocurrency + FinTech

Beyond the Buzzwords: Building Bank-Fintech Partnerships That Survive ExamsTreasury Outlines Innovation Roadmap for Countering Illicit Finance in Digital Assets

Dear Mary (Advice Column)

When to Notify Your Cyber Carrier of a Security IncidentSEC Cybersecurity Incidents Disclosures: Materiality, Decryptors, and Ransom Payments

Debit + Prepaid Cards

CFPB Releases Semiannual Regulatory Agenda Amid House Financial Services Committee Leaders' Calls to Halt RulemakingCFPB Finalizes Rule on Overdraft Fees for Large Financial Institutions

Debt Buyers + Collectors

New York City Finalizes Expanded Debt Collection Rules Covering Original Creditors and Third-Party CollectorsNew York Enacts Coerced Debt Law Protecting Survivors of Economic Abuse

Depository Institutions

NCUA Proposes GENIUS Act Licensing Framework for Credit Union Stablecoin IssuersSenate Banking Committee Releases Draft Digital Asset Market Structure Bill and Request for Information

Events + Webinars

Join Us at the OLA Legal Issues Conference for a Panel on Federal Enforcement in 2023Join Us September 24, 2022, for the 16th Annual National Conference of Vietnamese American Attorneys

Fair Lending

Year in Review and Look Ahead: Fair Lending and UDAAP in the Trump 2.0 Era — Federal Pullback, State Pushback, and What Comes NextDOJ and Texas Reach No‑Penalty Settlement with Colony Ridge Over Alleged Predatory Mortgage Financing, Discriminatory Land Sales

FCRA

Troutman Pepper Locke Attorneys Publish ABA Article on FCRA “Reasonable Reinvestigation” StandardJanuary Consumer Litigation Filings: 2026 Starts Out with a Bang

FCRA Focus

California DFPI's Next Target: Credit Reporting IndustryResellers in the Middle: Duties, Data, and Defenses Under the FCRA

FDCPA

January Consumer Litigation Filings: 2026 Starts Out with a Bang2025 Consumer Litigation Filings: Everything Up Compared to 2024

Featured Posts

Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – March 26, 2026Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – March 17, 2026

Federal Trade Commission (FTC)

FTC Launches Healthcare Task ForceFTC Warns 97 Auto Groups On "Total Price" Advertising

Health Care

FTC Launches Healthcare Task ForceNinth Circuit Upholds Administrator’s Denial of Residential Mental Health Benefits Under ERISA

Investors

Turning Point for Digital Assets: 2025 Year in Review and What Comes NextSEC Dismisses Ripple Labs Executives After Losing Bid for Interlocutory Appeal

Military Lending

Navigating the Servicemembers Civil Relief Act: Protections and Litigation TrendsEarned Wage Access Product Deemed Credit Under MLA, Leading Federal District Court to Deny Motion to Compel Arbitration

Mortgage Lending, Servicing + Banking

Oregon Legislature Moves to Opt Out of DIDMCA Preemption for Consumer Finance LoansEighth Circuit Confirms Limits on FCRA Furnisher Duties in Late-Payment Dispute Against Mortgage Servicer

Moving the Metal

Auto Finance Year in Review, Part 1: From FTC CARS Rule Collapse to a State-Led PatchworkEmpire State of Scrutiny: The New York FAIR Act and Auto Lending

Online Lending

Kansas Governor Enacts Significant Changes to Kansas Mortgage Business Act and Uniform Consumer Credit CodeCFPB Files Lawsuit Against SoLo Funds for Alleged Deceptive Lending Practices

Payment Processing + Cards

Beyond the Buzzwords: Building Bank-Fintech Partnerships That Survive ExamsTrading, Gambling, or Something Else? Prediction Markets and the Payments Puzzle

Payments Pros

Beyond the Buzzwords: Building Bank-Fintech Partnerships That Survive ExamsPayments Year in Review 2025: Federal and State Developments – Part 2

Podcasts

TCPA Risk Reloaded: Why DNC and Consent Issues Are Fueling the Next Wave of LitigationYear in Review and Look Ahead: Servicing and Collections in Flux – How States, Reg F, and Coerced Debt Laws Are Rewriting the Playbook

Privacy + Cyber

House Financial Services Committee Discussion Draft to Amend GLBA and Preempt State RegimesPoint-of-Sale Finance Series: Privacy, Breaches, and Data Monetization

Regulatory Enforcement + Compliance

FTC Launches Healthcare Task ForceHouse Financial Services Committee Discussion Draft to Amend GLBA and Preempt State Regimes

Sales Finance

Navigating California's New Legislation on Fixed Term Installment ContractsSales-Based Financing Trade Group Files Suit Challenging CFPB's Section 1071 Rule

Small Business Finance

CFPB Signals Issuance of Interim Final Rules on Section 1071 and Section 1033 Amid Funding ConstraintsSection 1071 Redo: CFPB Proposes to Narrow Coverage, Data, and Timing

Small Dollar Lending

New York Proposes Sweeping Licensing and Consumer Protection Regime for BNPL LendersWisconsin Lawmakers Propose “True Lender” Test and 36% APR Cap for Consumer Loans

State Attorneys General

Turning Point for Digital Assets: 2025 Year in Review and What Comes NextDOJ and Texas Reach No‑Penalty Settlement with Colony Ridge Over Alleged Predatory Mortgage Financing, Discriminatory Land Sales

State Attorneys General, CFPB + FTC

January Consumer Litigation Filings: 2026 Starts Out with a BangDOJ and Texas Reach No‑Penalty Settlement with Colony Ridge Over Alleged Predatory Mortgage Financing, Discriminatory Land Sales

Student Lending

Point-of-Sale Finance Series: Federal Shake-Ups and the Rise of Income Share Agreements in Student Loan FinancingIllinois Amends Student Loan Servicing Rights Act to Include Educational Income Share Agreements

TCPA

TCPA Risk Reloaded: Why DNC and Consent Issues Are Fueling the Next Wave of LitigationJanuary Consumer Litigation Filings: 2026 Starts Out with a Bang

The Consumer Finance Podcast

TCPA Risk Reloaded: Why DNC and Consent Issues Are Fueling the Next Wave of LitigationYear in Review and Look Ahead: Servicing and Collections in Flux – How States, Reg F, and Coerced Debt Laws Are Rewriting the Playbook

The Crypto Exchange

Turning Point for Digital Assets: 2025 Year in Review and What Comes NextNFTs on Trial: The Yuga Labs Verdict and What It Means for the Digital Frontier

Tribal Lending Litigation

Troutman Pepper Publishes 2023 Consumer Financial Services Year in Review and A Look AheadSeventh Circuit Affirms Dismissal, Finding Entity Entitled to Arm of the Tribe Sovereign Immunity & Adopting Breakthrough Factor Analysis

Unauthorized Access

The Team Continues to Grow: A Conversation With Our Newest Colleague, Kaitlin ClemensCaregivers in Cybersecurity