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.

CFPB Terminates HDMA And FCRA Consent Orders

On September 22, 2025, the CFPB terminated two consent orders, one involving a national bank and the other involving a mortgage servicer. The orders were originally issued under prior administrations...

United States Finance

SM

Sheppard Mullin Richter & Hampton

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

In September of 2025, the California Legislature passed Senate Bill 766 (CARS Act). The law introduces new requirements for auto dealers and provides additional consumer protections.

United States Consumer

ML

Madison Law

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

Earlier this month, the CFPB issued four separate advance notices of proposed rulemaking with respect to rules that give the CFPB authority over nonbank companies...

United States Finance

GP

Goodwin Procter LLP

Licensing Link August 2025

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 related to state...

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 Mullin Richter & Hampton

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

Texas Governor Signs Commercial Sales-Based Financing Legislation Into Law

United States Finance

HK

Holland & Knight

Regulation Round Up

United States Finance

PR

Proskauer Rose LLP

CFPB And Pawn Store Operator To Settle MLA Suit

United States Finance

SM

Sheppard Mullin Richter & Hampton

FDIC And Maryland End Joint Consent Orders Against Regional Bank

United States Government

SM

Sheppard Mullin Richter & Hampton

Fair Use In AI Training: What Is Considered "Transformative?" (Podcast)

United States Technology

LB

Lewis Brisbois Bisgaard & Smith LLP

Speaking Sustainability - Legal & Regulatory Updates | August 2025

United States Commercial

AG

Akin Gump Strauss Hauer & Feld LLP

July 2025 ESG Policy Update—Australia

United States Commercial

KG

K&L Gates LLP

Resolving Construction Conflicts Efficiently: A Guided Mediation Approach

United States Litigation

J

JAMS

Federal Court Blocks Enforcement Of Texas Proxy Advisor Disclosure Law

United States Commercial

SM

Sheppard Mullin Richter & Hampton

Bedlam No More: Oklahoma Formally Allows Credit Card Surcharges

On May 28, Oklahoma enacted SB 677, which became law without the signature of Oklahoma Governor Kevin Stitt.

United States Finance

BB

Bass, Berry & Sims

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 Mullin Richter & Hampton

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.

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 Mullin Richter & Hampton

CFPB To Withdraw BNPL Interpretive Rule Amid Broader Agency Rollback

United States Finance

SM

Sheppard Mullin Richter & Hampton

CFPB Drops Two More Major Lawsuits

United States Consumer

SM

Sheppard Mullin Richter & Hampton

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 Mullin Richter & Hampton

Unleashing Uncertainty: President Trump's Federal Funding Freeze

United States Energy

AG

Akin Gump Strauss Hauer & Feld LLP

Refer A Friend Promotions? Get Consent!

On February 25, 2025, the United States District Court for the Western District of Washington issued a cautionary decision for all businesses that employ "Refer a Friend" promotions.

United States Consumer

KM

Klein Moynihan Turco LLP

The US Senate Introduces The Credit Card Competition Act 2023

In the June 2023 e-Competitions Bulletin of Concurrences, Managing Directors Ling-Ling Ang and Alan Grant and former Consultant Peter Traber examine the findings of their white paper...

United States Anti-trust

N

NERA

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

On February 6, a judge for the United District Court for the Eastern District of Texas issued a 90-day stay on the CFPB's final rule prohibiting the inclusion of medical...

United States Finance

SM

Sheppard Mullin Richter & Hampton

Unleashing Uncertainty: President Trump's Federal Funding Freeze

On January 20, 2025, President Donald Trump signed the Unleashing American Energy Executive Order ("Energy EO") and the Reevaluating and Realigning United States Foreign Aid Executive Order ("Foreign Aid EO"), ...

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 Mullin Richter & Hampton

New Proposed CFPB Consumer Data Regulation Would Significantly Expand FCRA Obligations

The Consumer Financial Protection Bureau (CFPB) recently issued its long-awaited proposed rule to amend Regulation V, which implements the Fair Credit Reporting Act (FCRA).

United States Consumer

HK

Holland & Knight

CFPB Proposes To Expand Reach Of Fair Credit Reporting Act To "Data Brokers" And Beyond

On December 3, 2024, the Consumer Financial Protection Bureau (CFPB) issued a Notice of Proposed Rulemaking (NPRM or Proposed Rule) that proposes to significantly expand the scope of the Fair Credit

United States Consumer

WR

Wiley Rein

Kansas Changes Consumer Credit Code Impacting Finance Companies January 1, 2025

Kansas has made significant changes to its Consumer Credit Code (Code) (K.S.A. Chapter 16A) which will take effect January 1, 2025.

United States Consumer

RB

Reinhart Boerner Van Deuren s.c.

Podcast - The CFPB Takes Action On A Toronto-Based Bank's Consumer Credit Reports

In this episode of his "Clearly Conspicuous" podcast series, consumer protection attorney Anthony DiResta discusses the Consumer Financial Protection Bureau's...

United States Consumer

HK

Holland & Knight

California Extends Fair Debt Collection Statute To Cover Small Business Debts Up To $500,000

United States Finance

LG

Lathrop GPM

CFPB Imposes $95 Million Fine On Large Credit Union For Overdraft Fee Practices

United States Consumer

SM

Sheppard Mullin Richter & Hampton

Licensing Link October 2024

United States Finance

MB

Mayer Brown

California DFPI Issues Regulations To Classify Earned Wage Access As Loans

United States Finance

MB

Mayer Brown

New California Law Targets Unfair And Deceptive Commercial Debt Collection Practices

United States Finance

MB

Mayer Brown

OCC Issues Guidance On Refinance Risk In Commercial Lending

United States Finance

SM

Sheppard Mullin Richter & Hampton

California Expands Scope Of State's Fair Debt Collection Practices Act To Certain Commercial Debts (Podcast)

United States Finance

WB

Womble Bond Dickinson

OCC Issues Bulletin On Refinance Risk In Commercial Lending

United States Finance

GP

Goodwin Procter LLP

Credit Repair Company Fined $50M For Misleading Consumers

United States Consumer

SM

Sheppard Mullin Richter & Hampton

New California Law Keeps Medical Debt Off Consumer Credit Reports

United States Consumer

CO

Cozen O'Connor

FTC Reminds Finance Companies Not To Bury Their Heads In The "Assignment Sand"

United States Consumer

RB

Reinhart Boerner Van Deuren s.c.

CFPB Issues FAQs: Expands Interpretive Rule For BNPL Products

United States Consumer

VL

Venable LLP

CFPB Keeps To Its Word By Issuing Additional Buy Now, Pay Later Guidance

United States Consumer

HK

Holland & Knight

The Way Out Is Through: A Guide For Navigating U.S. Consumer Privacy Laws

United States Privacy

AC

Ankura Consulting Group LLC

Licensing Link September 2024

United States Finance

MB

Mayer Brown

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Latest Videos

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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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