United States: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

New York State Amends Law To Limit Use Of Credit Reports In Employment (Video)

For this week's Business in 2026 webinar, Bond labor and employment attorney Gavin T. Gretsky discussed recent amendments to the New York State Fair Credit Reporting Act to restrict the use of consumer credit history...

United States Employment

BS

Bond, Schoeneck & King PLLC

Banning Credit Checks In The Workplace: New York's Latest Compliance Challenge

New York has amended its Fair Credit Reporting Act to tighten restrictions on the use of consumer credit history in employment decisions. These amendments become effective April 18, 2026...

United States Employment

M

Mintz

New York Employers Beware: Credit Checks Are Being Banned Statewide

Effective April 18, 2026, New York City's ban on credit searches in connection with employment decisions will now apply to all employers in New York State...

United States Employment

FH

Ford & Harrison LLP

Trump Signals Credit Card Interest Rate Cap And Backs Credit Card Competition Act Of 2026

President Donald Trump has announced a proposed cap on credit card interest rates and voiced support for legislation addressing credit card transaction fees.

United States Consumer

SM

Sheppard

Ringing In The New Year For New York Employers: What's Next For Compliance In 2026?

United States Employment

DM

Duane Morris LLP

New York Is The Eleventh State To Restrict Employers' Use Of Credit History

United States Employment

LM

Littler Mendelson

ACA Files Suit Challenging Colorado Law That Omits Medical Debts From Credit Reports

United States Finance

BS

Ballard Spahr LLP

FTC Permanently Bans Small-Business Financing Firm And CEO For Alleged UDAP And Telemarketing Violations

United States Finance

SM

Sheppard

New Concerns For Bank Fintech Partnerships: 10th Circuit's DIDMCA Decision Is The First Ripple In An Anticipated Wave

United States Finance

KM

Katten Muchin Rosenman LLP

Colorado's Attack On State-Bank Lending Partnerships Gets New Life

United States Consumer

MP

Manatt, Phelps & Phillips LLP

Colorado's Medical Debt Reporting Law Challenged In Federal Court

United States Finance

SM

Sheppard

West Virginia Federal Court Certifies Class Action Challenging "Pay-To-Pay" Fees

United States Litigation

SM

Sheppard

Delaware Bans Medical Debt From Consumer Credit Reports

United States Consumer

SM

Sheppard

CFPB Issues Interpretive Rule Asserting Federal Preemption Over State Medical Debt Credit Reporting Laws

United States Consumer

SM

Sheppard

Back To School 2025: Title IX Updates And How ADR Can Help Universities Resolve Disputes (Podcast)

United States Litigation

J

JAMS

Congress Proposes Major Overhaul Of WARN: What Employers Need To Know About The Fair Warning Act

United States Employment

PR

Proskauer Rose LLP

Colorado "Opt-Out" Litigation – Petition For Rehearing En Banc And Amicus Briefs In Support

United States Finance

BS

Ballard Spahr LLP

Food Venture Financing News – Weekly Issue No. 264

United States Commercial

DW

Davis Wright Tremaine

How I Learned To Love Mediator's Proposals - Why Modern Mediation Sometimes Calls For A Guiding Hand

United States Litigation

J

JAMS

District Court Denies Arbitration Of Service Members' Class Action Claims Under Military Lending Act Holding That Earned Wage Access Constitutes Extension Of Consumer Credit

On October 7, the U.S. District Court for the Northern District of California denied a fintech company's motion to compel arbitration in a putative class action.

United States Finance

SM

Sheppard

Forward Flow Transactions — A Key Tool In Fuelling Private Credit Growth

The mature Fintech ecosystem and prominence of non-bank specialist lenders have radically transformed the landscape of credit lending markets.

United States Finance

WG

Weil, Gotshal & Manges LLP

Maryland OFR Issues Guidance On New Medical Debt Collection Laws

On October 14, the Maryland Office of Financial Regulation (OFR) issued regulatory guidance explaining three new state laws governing the collection and reporting of medical debt.

United States Finance

SM

Sheppard

Nevada Removes In-State Office Requirements For Online And Buy Now, Pay Later Lenders

On October 1, 2025, Nevada's Senate Bill 437 took effect, modernizing Nevada's Installment Loan and Finance Act to reflect the growth of online consumer lending and "buy now, pay later" (BNPL) products.

United States Consumer

SM

Sheppard

CFPB Terminates HDMA And FCRA Consent Orders

United States Finance

SM

Sheppard

California's CARS Act (SB 766) Is Official: What Auto Dealers Must Know Before October 2026

United States Consumer

ML

Madison Law

CFPB Continues Trend Of Shrinking Its Own Authority By Raising Larger Participant Thresholds

United States Finance

GP

Goodwin Procter LLP

Licensing Link August 2025

United States Finance

MB

Mayer Brown

Consumer Credit In Focus—DP 25/2 Mortgage Rule Review: The Future Of The Mortgage Market (Podcast)

United States Consumer

AO

A&O Shearman

CFPB Reaches Settlement With FirstCash In Connection With Alleged MLA Violations

United States Consumer

BS

Ballard Spahr LLP

Know Now Or Pay Later: Navigating New York's Buy-Now-Pay-Later Act

United States Finance

HK

Holland & Knight

Oregon Prohibits Medical Debt In Credit Reports

United States Finance

SM

Sheppard

Texas Commercial Financing Disclosure And Registration Law Threatens Sales-Based Financing Industry

United States Commercial

MB

Mayer Brown

Licensing Link June 2025 Special Edition

United States Finance

MB

Mayer Brown

Know Now Or Pay Later: Navigating New York's Buy-Now-Pay-Later Act

Once hailed as the sleek, interest-free alternative to credit cards, buy-now-pay-later (BNPL) loans have become a defining feature of modern consumer finance.

United States Finance

HK

Holland & Knight

Oregon Prohibits Medical Debt In Credit Reports

On June 23, Oregon enacted SB 605, barring medical-debt information from appearing in consumer credit reports. The measure, which amends the Oregon Unlawful Trade Practices Act, takes effect January 1, 2026.

United States Finance

SM

Sheppard

Texas Commercial Financing Disclosure And Registration Law Threatens Sales-Based Financing Industry

Texas has enacted a law that has the potential to place substantial impediments on sales-based financing providers, including merchant cash advance companies, seeking to operate in Texas.

United States Commercial

MB

Mayer Brown

Licensing Link June 2025 Special Edition

Licensing Link is a periodic publication that will keep you informed on hot topics and new developments in state licensing laws, and provide practice tips and primers on important issues...

United States Finance

MB

Mayer Brown

Texas Governor Signs Commercial Sales-Based Financing Legislation Into Law

United States Finance

HK

Holland & Knight

Vermont Enacts Law Prohibiting Medical Debt Reporting And Funding Debt Relief Initiative

On May 16, Vermont Governor Phil Scott signed into law S. 27, a medical debt relief measure that prohibits the inclusion of medical debt on consumer credit reports and establishes a state-funded initiative...

United States Finance

SM

Sheppard

CFPB Rescinds 67 Guidance Documents

Contending that policies implemented by guidance represent an unfair regulatory burden and might be contrary to federal law, the CFPB is rescinding 67 guidance...

United States Finance

BS

Ballard Spahr LLP

FTC Settles With Debt Collector

On May 1, 2025, the Federal Trade Commission (FTC) announced that it had filed an amended complaint and entered into a proposed final order with a debt collector and its owner...

United States Finance

GP

Goodwin Procter LLP

CFPB Shifts Focus Away From Small Business Lending And Buy Now, Pay Later Loans.

The Consumer Financial Protection Bureau (Bureau) recently announced that it is deprioritizing certain enforcement and supervision actions.

United States Finance

GP

Goodwin Procter LLP

CFPB Reports On Consumer Complaint Trends

United States Finance

GP

Goodwin Procter LLP

CFPB Withdraws Medical Debt Rule After Legal Challenge From Industry Groups

United States Finance

SM

Sheppard

CFPB To Withdraw BNPL Interpretive Rule Amid Broader Agency Rollback

United States Finance

SM

Sheppard

CFPB Drops Two More Major Lawsuits

United States Consumer

SM

Sheppard

2024 Year In Review: Credit Reporting

United States Consumer

GP

Goodwin Procter LLP

Refer A Friend Promotions? Get Consent!

United States Consumer

KM

Klein Moynihan Turco LLP

The US Senate Introduces The Credit Card Competition Act 2023

United States Anti-trust

N

NERA

Texas Federal Court Pauses CFPB Rule Banning Medical Debt From Credit Reports

United States Finance

SM

Sheppard

Unleashing Uncertainty: President Trump's Federal Funding Freeze

United States Energy

AG

Akin Gump Strauss Hauer & Feld LLP

CFPB Alleges Credit Reporting Agency Conducted Sham Investigations Of Errors

United States Finance

SM

Sheppard

FTC Announces Final Order Against AI-Enabled Review Platform Sitejabber For Misrepresenting Consumer Ratings And Reviews

United States Consumer

CM

Crowell & Moring LLP

CFPB Proposes To Expand Fair Credit Reporting Act Implementing Regulations To Target Data Brokers

United States Consumer

AP

Arnold & Porter

CFPB Finalizes Rule On Overdraft Credit – What Financial Institutions Need To Know

United States Finance

SJ

Steptoe LLP

CFPB's Final Rule Enhancing Oversight Of Large Digital Payment App Providers Goes Into Effect Jan. 9 – Are You Ready?

United States Finance

GT

Greenberg Traurig, LLP

New Proposed CFPB Consumer Data Regulation Would Significantly Expand FCRA Obligations

United States Consumer

HK

Holland & Knight

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Latest Videos

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New York State Amends Law To Limit Use Of Credit Reports In Employment (Video)

BS

Bond, Schoeneck & King PLLC

Consumer Credit In Focus—DP 25/2 Mortgage Rule Review: The Future Of The Mortgage Market (Podcast)

AO

A&O Shearman

Changing The Landscape Of Private Credit Deals (Video)

PR

Proskauer Rose LLP

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