Topics ALL CFS Blog Entries FSOC Cryptocurrency Report Recommends Increased Federal and State OversightWhite Houses Proposes Bill of Rights for Artificial Intelligence All Entries California AG Agrees with CFPB's Preliminary Preemption Determination, Urges Bureau to Further Narrow TILA PreemptionU.S. House Bill Proposes Excluding Pandemic Evictions From Consumer Reports Arbitration CFPB Moves Forward With Proposed Rule Establishing Public Registry of Terms and Conditions in Form Contracts Auto Finance Colorado AG Announces Two More Settlements in GAP Refund CasesFDIC Pursuing Disparate Impact Theory Against Auto Lenders Already Rejected by Congress Background Screening Background Screener Agrees to Resolve Class Action Over Alleged Misreporting of Criminal ConvictionsFederal Court Grants Summary Judgment Holding Reporting of Loan During COVID-19 Forbearance as Accurate Banking Banking Groups Warn CFPB of Adverse Impact on Small Banks of Proposed Elimination of Late Fee Safe Harbor, Request SBREFA PanelDOJ Reaches Largest Ever Redlining Settlement with Los Angeles-based Bank 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 California Federal Court Denies Class Certification for Inadequate PlaintiffRamirez Case Reaches Final Approval of Class Settlement Consumer Financial Protection Bureau (CFPB) California AG Agrees with CFPB's Preliminary Preemption Determination, Urges Bureau to Further Narrow TILA PreemptionBanking Groups Warn CFPB of Adverse Impact on Small Banks of Proposed Elimination of Late Fee Safe Harbor, Request SBREFA Panel COVID-19 U.S. House Bill Proposes Excluding Pandemic Evictions From Consumer ReportsTroutman Pepper Weekly Consumer Financial Services COVID-19 Newsletter Credit Reporting + Data Brokers U.S. House Bill Proposes Excluding Pandemic Evictions From Consumer ReportsThe CFPB Issues Its 2022 Fall Rulemaking Agenda Cryptocurrency Not Your Keys, Not Your Coin: Bankruptcy Court Looks to Contract Law to Determine Consumer Interest-Bearing Crypto Deposits Belong to Celsius' Bankruptcy EstateLegislation Introduced that Would Establish Federal Regulatory Framework for Payment Stablecoins Debt Buyers + Collectors The Wait is Over: New York Department of Financial Services Releases Debt Collection Rule AmendmentsFCC Issues Mixed-Bag Amended TCPA Exemptions Order Events + Webinars Join Us September 24, 2022, for the 16th Annual National Conference of Vietnamese American AttorneysJoin Us September 27-29, 2022, for NAFCU’s Regulatory Compliance & BSA Seminar Fair Lending CFPB Deputy Director Highlights Priority of Combatting Appraisal BiasDOJ Reaches Largest Ever Redlining Settlement with Los Angeles-based Bank FCRA U.S. House Bill Proposes Excluding Pandemic Evictions From Consumer ReportsFlorida Federal Court Finds FCRA and EFTA Claims Arising out of Disputed Charge Survive Credit Union's Motion to Dismiss FCRA Focus CFPB's Involvement in Tenant ScreeningAn Inside Look as a Juror FDCPA The Wait is Over: New York Department of Financial Services Releases Debt Collection Rule AmendmentsLack of Notice of Bankruptcy Filing Proves Fatal to FDCPA Claim Featured Posts Introducing Our Incident Response Interactive MapTroutman Pepper Weekly Consumer Financial Services Newsletter Federal Trade Commission (FTC) CFPB Issues Guidance on "Negative Option" Subscription ServicesFTC Fines Vonage $100M for "Junk Fees" and Using "Dark Patterns" to Make It Hard for Consumers to Cancel Military Lending CFPB Report Finds Only Small Fractions of Activated Guard and Reserve Servicemembers Receive SCRA Interest Rate ReductionsCFPB and FTC File Amicus Brief on Servicemembers' Right to Sue Under the Military Lending Act Online Lending New Mexico Enacts 36% APR Cap on Loans of $10,000 or LessWhich MLA Safe Harbor Are You Using? Recent Decision Highlights Overlap and Distinction Points Payment Processing + Cards Banking Groups Warn CFPB of Adverse Impact on Small Banks of Proposed Elimination of Late Fee Safe Harbor, Request SBREFA PanelCFPB Seeks Public Comment on the Credit Card Market Podcasts Settlement Agreement Update Between the DOJ and MetaA Sneak Peek in the Consumer Financial Services Year in Review and a Look Ahead Privacy + Cyber Introducing Our Incident Response Interactive MapFTC Extends Deadline for Compliance With Safeguards Rule Regulatory Enforcement + Compliance California AG Agrees with CFPB's Preliminary Preemption Determination, Urges Bureau to Further Narrow TILA PreemptionBanking Groups Warn CFPB of Adverse Impact on Small Banks of Proposed Elimination of Late Fee Safe Harbor, Request SBREFA Panel State Attorneys General California AG Agrees with CFPB's Preliminary Preemption Determination, Urges Bureau to Further Narrow TILA PreemptionArizona AG Concludes Non-Recourse, No-Interest Earned Wage Access Products Are Not "Consumer Lender Loans" Requiring a License State Attorneys General, CFPB + FTC California AG Agrees with CFPB's Preliminary Preemption Determination, Urges Bureau to Further Narrow TILA PreemptionCFPB Issues Guidance on "Negative Option" Subscription Services Student Lending DOJ Releases Guidance for Discharging Federal Student Loan Debt in BankruptcySupreme Court to Hear Arguments on Biden's Student Loan Forgiveness Plan TCPA New Mexico Enacts 36% APR Cap on Loans of $10,000 or LessFCC Issues Mixed-Bag Amended TCPA Exemptions Order The Consumer Finance Podcast Settlement Agreement Update Between the DOJ and MetaA Sneak Peek in the Consumer Financial Services Year in Review and a Look Ahead The Crypto Exchange Evaluating Fraud Under the Bank Secrecy ActBankruptcy Filings Among Crypto Exchanges: Is This a Sign of the Future? Unauthorized Access Drafting Consumer Breach Notices — From a Litigation PerspectiveCan Cyber Investigations Be Canned?