Searching Content indexed under Financial Services by Poyner Spruill LLP ordered by Published Date Descending.
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Driverless Vehicles Have Arrived In North Carolina. How Will Your Industry Be Affected?
Twelve years old. In North Carolina, a person as young as twelve years old may ride alone in a fully autonomous—or, "driverless"—vehicle.
United States
19 Dec 2018
Libor No More
Last summer, the United Kingdom's Financial Conduct Authority announced it would no longer require LIBOR panel banks to report interbank transactions after 2021, thus ending the interest rate...
United States
23 Mar 2018
HMDA Changes - The Final Rule and Fair Lending
The Home Mortgage Disclosure Act (HMDA), passed by Congress in 1975, requires the collection, recording, reporting and public disclosure of residential mortgage lending activity.
United States
9 Jun 2017
Creditor-Friendly Changes to North Carolina's Accord and Satisfaction Law
A creditor can now reinstate a disputed debt that has been inadvertently discharged.
United States
20 Mar 2017
The Bitcoin Blockchain: SEC May Approve Winklevoss Twins' Bitcoin ETF
Blockchain has been compared to the early days of the Internet: nearly everyone believes that it's a world-changing technology with tremendous potential, but no-one can predict who the ultimate winners will be or what impacts they will have.
United States
14 Mar 2017
The Empire (State) Strikes Back: Six Highlights of New York's New Cybersecurity regulations for Financial Institutions
The New York Department of Financial Services (NYDFS)'s finalized Cybersecurity Requirements for Financial Services Companies ("regulations"), went into effect on March 1, 2017.
United States
9 Mar 2017
New Regulatory Developments In Blockchain Finance
Blockchain technology combines several features of existing financial infrastructure. It is partly a mass repository of historical transactions, partly a decentralized clearinghouse...
United States
1 Mar 2017
The Nation's First Cryptocurrency Law: A Chat With North Carolina's Commissioner Of Banks
North Carolina made history when it passed the nation's first law addressing issues surrounding blockchain and virtual currency.
United States
16 Nov 2016
CFPB Declared Unconstitutional
The United States Court of Appeals for the District of Columbia Circuit today ruled on a critical case "about executive power and individual liberty."
United States
13 Oct 2016
What Is Blockchain? Why Does It Matter? Observations As North Carolina's Virtual Currency Legislation Goes Into Effect
​J. K. Rowling's world of Harry Potter included an array of amazing artifacts; our personal favorites were the books and pictures that changed themselves.
United States
6 Oct 2016
CFPB Proposal To Relax Standards For The Discretionary Disclosure Of Confidential Supervisory Information
Comments on the proposed amendments must be received through the normal channel, as specified in the proposal, on or before October 24, 2016.
United States
2 Sep 2016
CFPB Proposals Would Restrict Use Of Arbitration Clauses In Consumer Financial Services Contracts
In May 2016, the federal CFPB proposed, and requested public comments on, a new rule intended to limit the use of mandatory pre-dispute arbitration clauses in agreements governing a wide range of consumer financial products and services.
United States
27 Jul 2016
Term Sheets And The Reimbursement Of Due Diligence Costs
In today's fast-paced lending environment, lenders often are required to order third-party reports and engage outside counsel prior to completing formal underwriting and issuing loan commitments.
United States
13 Jun 2016
Too Little, Too Late?
For the first time in history, government prosecutors got to play Robin Hood. They took billions of dollars from the banks, and they gave it—at least much of it— to needy consumers in the form of mortgage relief.
United States
10 Jun 2016
Residential Real Estate Marketing Services Agreements: Not Worth The Regulatory Risk
The residential mortgage origination industry has long used Marketing Services Agreements (MSAs) to establish the terms of certain marketing arrangements.
United States
20 Jan 2016
North Carolina Supreme Court Rejects Claims Against Lender Over Failed Real Estate Development
The NC Supreme Court recently affirmed the dismissal of a multitude of lender liability claims asserted against BB&T in a quasi-class action by purchasers of undeveloped lots in Brunswick County.
United States
11 Jan 2016
The EMV Liability Shift - What's Next?
​​Over the past several years, the major credit card networks (VISA and MASTERCARD) have begun the process of converting credit card usage in the United States to the EMV standard.
United States
2 Dec 2015
The EMV Liability Shift - What's Next?
Over the past several years, the major credit card networks (VISA and MASTERCARD) have begun the process of converting credit card usage in the United States to the EMV standard.
United States
2 Dec 2015
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