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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.

Maryland Prohibits Tipping In Earned Wage Access Programs

On April 28, Maryland enacted SB 94, which revises the state’s earned wage access (EWA) framework and amends tipping provisions under Maryland’s Consumer Loan Law...

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

NYDFS Says Disparate Impact Remains In Effect

Countering an Executive Order issued by President Trump and the adoption by the CFPB of its final rule revising Regulation B, the New York Department of Financial Services recently issued an Industry Letter...

United States Finance

BS

Ballard Spahr LLP

Almost One-Third Of Insured Americans Still Accumulating Medical Debt

Paying for the steadily rising cost of medical care can be challenging, even for Americans with health insurance. Although insurance helps defray medical expenses, it doesn’t cover everything...

United States Healthcare

HB

Hall Benefits Law

Debt Sales 101 Mini-Series — Episode 6: After The Close: Compliance, Oversight, And Ongoing Risk (Podcast)

In the final episode of our Debt Sales 101 mini-series, we focus on what happens after a debt sale closes and how sellers manage ongoing compliance, oversight, and risk.

United States Finance

BS

Ballard Spahr LLP

Today’s Podcast Episode: Debt Sales 101 Mini-Series — Episode 6: After The Close: Compliance, Oversight, And Ongoing Risk

United States Finance

BS

Ballard Spahr LLP

CFPB’s Final Rule Recalibrates Fair Lending Enforcement: A Return To Clarity And Core Statutory Principles

United States Finance

BS

Ballard Spahr LLP

CFPB Substantially Scales Back Section 1071 Small Business Lending Rule And Resets Compliance Timeline

United States Finance

SJ

Steptoe LLP

Introducing The Institute For Consumer Financial Choice: A New Voice For Research, Policy, And Consumer Choice

United States Consumer

BS

Ballard Spahr LLP

CFPB Revised Fair Lending Enforcement Framework Under ECOA

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

NYDFS Reaffirms State Fair Lending Obligations

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Michigan Court Grants Final Approval To Debt Collection Interest-Rate Settlement

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

Today’s Podcast Episode: Debt Sales 101 Mini-Series — Episode 3: Who Buys Debt And How Deals Are Structured

United States Finance

BS

Ballard Spahr LLP

Debt Sales 101 Mini-Series — Episode 3: Who Buys Debt And How Deals Are Structured (Podcast)

United States Finance

BS

Ballard Spahr LLP

FTC Blog Updates (April 13 – 17, 2026)

United States Consumer

CM

Crowell & Moring LLP

The Cannabis Industry’s “Big Tobacco” Moment: What Insurers Need To Know About Murray v. Cresco

United States Cannabis

WE

Wilson Elser Moskowitz Edelman & Dicker LLP

What Every Multinational Should Know About…Managing The Aftermath Of The Supreme Court's IEEPA Tariff Decision (Part I)

United States International

FL

Foley & Lardner

What Europe's Renewable Energy Struggles Can Teach U.S. Regulators About Dispute System Design

United States Litigation

J

JAMS

Ankura CTIX FLASH Update – May 11, 2026

United States Technology

AC

Ankura Consulting Group LLC

Foreign Sovereign Immunity In International Construction

United States Litigation

J

JAMS

Mortgage Banking Update - April 16, 2026

Ballard Spahr's Consumer Financial Services Group provides comprehensive analysis of the latest regulatory developments affecting mortgage banking and consumer finance, including CFPB workforce restructuring, state DIDMCA opt-outs, debanking regulations, and emerging payment technologies. The newsletter features expert insights on enforcement priorities, compliance obligations, and strategic implications for financial institutions navigating an evolving regulatory landscape.

United States Finance

BS

Ballard Spahr LLP

FTC Moves To Halt Alleged Student Loan Debt Relief Operation

The FTC has obtained a temporary restraining order against a debt relief operation accused of targeting consumers seeking student loan relief through deceptive marketing practices. The enforcement action alleges the company misrepresented its ability to secure loan forgiveness, falsely implied government affiliation, and charged prohibited upfront fees while instructing consumers to stop making loan payments.

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Impacts Of Maine’s New Shared Appreciation Mortgage Loan Law

Maine's new shared appreciation mortgage loan law imposes comprehensive restrictions on lenders and servicers, including limitations on loan terms, mandatory borrower counseling, and strict disclosure requirements.

United States Finance

BA

Bradley Arant Boult Cummings LLP

Maine Passes Law To Regulate Home Equity Investment Contracts

Maine has enacted groundbreaking legislation regulating home equity investments (HEIs) and shared appreciation mortgage loans, imposing strict licensing requirements, contract restrictions, and consumer protections. The law requires homeowners to obtain independent legal counsel and HUD-approved counseling before entering these agreements. How will these comprehensive regulations reshape the HEI market and what challenges will providers face in complying with Maine's new framework?

United States Real Estate

MB

Mayer Brown

Payday And Small-Dollar Lending

United States Consumer

GP

Goodwin Procter LLP

The FCA's Motor Finance Redress Scheme: Final Policy

United States Finance

WB

Womble Bond Dickinson

Employment Tip Of The Month – April 2026

United States Employment

WE

Wilson Elser Moskowitz Edelman & Dicker LLP

Senator Hawley Investigating FICO Credit Score Pricing Practices And Urging FTC To Investigate As Well

United States Finance

BS

Ballard Spahr LLP

Thirteen AGs Sue Major Installment Lender Over Add-On Packing; Former CFPB Attorneys Lead The Charge

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Mortgage Banking Update - March 19, 2026

United States Finance

BS

Ballard Spahr LLP

Credit Card Rate Caps And The Credit Card Competition Act: The Right Problem, The Wrong Tools? (Podcast)

United States Finance

BS

Ballard Spahr LLP

Florida District Court Upholds CFPB's Residential PACE Rule

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

Moving Forward To The Past

United States Media & IT

SJ

Steptoe LLP

The Consumerization Of Small Business Lending: Federal And State Regulations Accelerate (Podcast)

United States Finance

BS

Ballard Spahr LLP

Credit Card Rate Caps And The Credit Card Competition Act: The Right Problem, The Wrong Tools? (Podcast)

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now...

United States Finance

BS

Ballard Spahr LLP

Florida District Court Upholds CFPB's Residential PACE Rule

On February 12, the U.S. District Court for the Middle District of Florida upheld the CFPB's final rule applying mortgage-style requirements to Residential Property Assessed Clean Energy...

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

Moving Forward To The Past

Now, at least in the Fifth Circuit, so long as a business has a consumer's prior express consent, written or not, it may place any type of prerecorded message call to the consumer.

United States Media & IT

SJ

Steptoe LLP

The Consumerization Of Small Business Lending: Federal And State Regulations Accelerate (Podcast)

On today's Consumer Finance Monitor podcast, we are releasing an episode about a timely and wide-ranging discussion on one of the most significant and fastest-evolving developments...

United States Finance

BS

Ballard Spahr LLP

Credit Bureau Pulls In Employment: State Law Limitations And Their Effect On Motor Vehicle Records

United States Employment

FB

FBT Gibbons

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, Mullin, Richter & Hampton LLP

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

In 2025, as in prior years, New York State and New York City enacted a flurry of new laws/ordinances at the end of the year.

United States Employment

DM

Duane Morris LLP

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

On December 19, 2025, New York Governor Kathy Hochul signed into law S03072, amending the New York Fair Credit Reporting Act1 to prohibit New York employers from obtaining or using consumer credit history in hiring and personnel decisions.

United States Employment

LM

Littler Mendelson

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

The trade group representing debt collection agencies, creditors, debt buyers, collection attorneys, and debt collection industry service providers has filed suit...

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, Mullin, Richter & Hampton LLP

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, Mullin, Richter & Hampton LLP

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

United States Litigation

SM

Sheppard, Mullin, Richter & Hampton LLP

Delaware Bans Medical Debt From Consumer Credit Reports

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

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

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

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

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

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

United States Finance

WG

Weil, Gotshal & Manges LLP

Maryland OFR Issues Guidance On New Medical Debt Collection Laws

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

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

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

CFPB Terminates HDMA And FCRA Consent Orders

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

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

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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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