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Searching Content indexed under Consumer Credit by Richard Fischer ordered by Published Date Descending.
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CFPB Releases Fourth Report On The Consumer Credit Card Market
On August 27, 2019, the Consumer Financial Protection Bureau (CFPB or Bureau) released its fourth biennial report on the consumer credit card market (2019 Report or Report)
United States
6 Sep 2019
2
Treatment Of Educational ISAs Under Federal And Select State Anti-Discrimination Statutes
In an earlier paper, we considered whether ISAs should be subject to federal consumer credit statutes, including the Truth in Lending Act ("TILA")
United States
20 Aug 2019
3
CFPB Initiates Fourth Review Of The Consumer Credit Card Market
On January 31, 2019, the Consumer Financial Protection Bureau (CFPB or Bureau) published a Request for Information (2019 RFI) ...
United States
7 Feb 2019
4
CFPB Finalizes Sweeping Prepaid Account Rule
On October 5, 2016, the Consumer Financial Protection Bureau ("CFPB") issued its long-awaited final rule to further regulate prepaid card products, or "prepaid accounts".
United States
14 Oct 2016
5
CFPB Finalizes Rule Suspending Quarterly Submission Of Credit Card Agreements
On April 15, 2015, the Consumer Financial Protection Bureau ("CFPB") announced a final rule ("Final Rule") that suspends for one year the requirement under the Truth in Lending Act and implemented by Regulation Z that credit card issuers submit their card agreements to the CFPB on a quarterly basis.
United States
23 Apr 2015
6
CFPB Initiates Second CARD Act Review
On March 19, 2015, the Consumer Financial Protection Bureau (CFPB) published a notice and request for information ("2015 RFI") regarding the impact of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), as required by Section 502(a) of the CARD Act
United States
8 Apr 2015
7
CFPB Further Delays Prepaid Proposed Rule
The Consumer Financial Protection Bureau announced that its general-purpose reloadable prepaid card proposal will now be issued by the end of the summer.
United States
10 Jul 2014
8
CFPB Announces Potential Model Packaging Disclosures For GPR Prepaid Cards
On March 18, 2014, the Consumer Financial Protection Bureau continued its long march toward regulating general-purpose reloadable prepaid cards by releasing test model disclosures for prepaid card packaging that are being considered by the CFPB in connection with an upcoming proposed rulemaking.
United States
26 Mar 2014
9
CFPB Increases Penalty Fee Safe Harbor Amounts For Card Issuers
In yesterday’s Federal Register, the Consumer Financial Protection Bure published an amendment to the safe harbor thresholds for credit card penalty fees found in Section 1026.52(b)(1)(ii) of Regulation Z to account for increases in the CPI-W, which is a subset of the federal Consumer Price Index.
United States
6 Jan 2014
10
CFPB Brings First Enforcement Action Involving Deferred Interest Products, Imposes Novel And Burdensome Application Requirements As Remediation
Yesterday, the Consumer Financial Protection Bureau announced a consent order with GE Capital Retail Bank and its subsidiary CareCredit.
United States
5 Jan 2014
11
CFPB Signals Additional Concerns About Consumer Credit Card Market With Report On CARD Act
Today, the Consumer Financial Protection Bureau released the "CARD Act Report," a report summarizing the CFPB’s views on the impact of the Credit Card Accountability Responsibility and Disclosure Act of 2009 on the consumer credit card market.
United States
13 Oct 2013
12
CFPB Warning And Bulletin For Nationwide Specialty CRAs
The Consumer Financial Protection Bureau ("CFPB") has sent warning letters to several nationwide specialty consumer reporting agencies.
United States
11 Dec 2012
13
CFPB Proposed Amendments To Reg. Z Ability-To-Pay Requirements
On October 17, 2012, the Consumer Financial Protection Bureau issued a proposed rule to amend the Truth in Lending Act’s ability-to-pay requirements.
United States
23 Oct 2012
14
CFPB Issues Compliance Bulletin On Marketing Of Add-On Products
On July 18, 2012, the Consumer Financial Protection Bureau ("CFPB") issued a compliance bulletin for credit card issuers on the marketing of add-on products ("Bulletin").
United States
25 Jul 2012
15
CFPB Releases Prototype Credit Card Agreement
On December 7, 2011, the Consumer Financial Protection Bureau ("CFPB") released a two-page draft of what it described as a "prototype" credit card agreement in connection with its "Know Before You Owe" campaign.
United States
13 Dec 2011
16
Summary Of Final CARD Act Clarifications
On March 18, 2011, the Federal Reserve Board ("FRB") issued a final rule to clarify certain recent amendments to Regulation Z, particularly those implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009 ("CARD Act").
United States
20 Apr 2011
17
Summary of Proposed CARD Act Clarifications
On November 2, 2010, the Federal Reserve Board ("Board") published a proposed rule to clarify certain recent amendments to Regulation Z, particularly those implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009 ("CARD Act").
United States
28 Nov 2010
18
Federal Appellate Court Holds That Federal Law Preempts State’s Attempt To Regulate Gift Cards Issued By National Banks And Federal Thrifts
In a major victory for the banking industry, a federal appellate court has rejected New Hampshire’s efforts to regulate the terms of stored value gift cards issued by a national bank and federal savings association, but marketed and sold by a non-bank third party.
United States
25 Jun 2007
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