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.

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

Listen in for the latest developments in UK mortgage regulation with our insightful podcast, "Consumer Credit in Focus", where experts from our London Financial Services Regulatory team break down the recent Financial Conduct Authority's discussion paper on possible future reforms to UK mortgage regulation.

United States Consumer

AO

A&O Shearman

CFPB Reaches Settlement With FirstCash In Connection With Alleged MLA Violations

The CFPB has reached a settlement in its lawsuit against FirstCash, Inc. and its 19 subsidiaries alleging violations of the Military Lending Act (MLA). The parties have jointly filed a stipulated final judgment...

United States Consumer

BS

Ballard Spahr LLP

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 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

Bedlam No More: Oklahoma Formally Allows Credit Card Surcharges

United States Finance

BB

Bass, Berry & Sims

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

United States Finance

SM

Sheppard Mullin Richter & Hampton

CFPB Rescinds 67 Guidance Documents

United States Finance

BS

Ballard Spahr LLP

FTC Settles With Debt Collector

United States Finance

GP

Goodwin Procter LLP

Analysis Of The 2025 Federal Tax Changes Under The "One Big Beautiful Bill" Legislation

B

BakerHostetler

Citizenship Updates: Nationwide Injunctions Affecting Birthright Citizenship Limited And New DOJ Priorities To Denaturalize U.S. Citizens

United States Immigration

Gs

Green and Spiegel

[PODCAST] When Scammers Strike: How Mediation Can Help Resolve Consumer Fraud Claims

United States Litigation

J

JAMS

Trump Administration Passes The One Big Beautiful Bill Act

United States Tax

FL

Foley & Lardner

Business Tax Law Provisions Of The OBBA

United States Commercial

OK

Offit Kurman

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

The Consumer Financial Protection Bureau (CFPB) recently issued its annual report analyzing the consumer complaints it received in 2024.

United States Finance

GP

Goodwin Procter LLP

CFPB Withdraws Medical Debt Rule After Legal Challenge From Industry Groups

On May 1, the CFPB filed a joint motion with two financial trade groups to vacate a Biden-era rule barring most medical debt from appearing on consumer...

United States Finance

SM

Sheppard Mullin Richter & Hampton

CFPB To Withdraw BNPL Interpretive Rule Amid Broader Agency Rollback

The CFPB has announced plans to withdraw its May 2024 interpretive rule that subjected buy-now, pay-later (BNPL) products to regulations applicable to credit cards under the Truth in Lending Act (TILA).

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

CFPB Alleges Credit Reporting Agency Conducted Sham Investigations Of Errors

United States Finance

SM

Sheppard Mullin Richter & Hampton

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 Alleges Credit Reporting Agency Conducted Sham Investigations Of Errors

On January 7, 2025, the CFPB filed a lawsuit against a nationwide consumer reporting agency for violations of the Fair Credit Reporting Act. The lawsuit claims the company's investigation...

United States Finance

SM

Sheppard Mullin Richter & Hampton

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

The Federal Trade Commission recently approved a final consent order against Sitejabber, an artificial intelligence-enabled consumer review platform, for deceiving consumers by misrepresenting that the ratings and reviews it published ...

United States Consumer

CM

Crowell & Moring LLP

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

On December 13, 2024, the Consumer Financial Protection Bureau (CFPB) published in the Federal Register a proposed rule that would revise Regulation V, the CFPB's regulation implementing the Fair Credit Reporting Act (FCRA).

United States Consumer

AP

Arnold & Porter

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

On December 12, the Consumer Financial Protection Bureau (CFPB) finalized a rule (Rule) designed to reshape the regulatory framework for overdraft credit provided by very large financial institutions.

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

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

Similar to the federal Fair Debt Collection Practices Act (FDCPA), California's "Rosenthal Fair Debt Collection Practices Act" (RFDCPA) has historically regulated the manner...

United States Finance

LG

Lathrop GPM

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

On November 7, 2024, the CFPB ordered one of the largest credit unions in the nation to pay over $95 million for its practices related to the imposition of overdraft fees.

United States Consumer

SM

Sheppard Mullin Richter & Hampton

Licensing Link October 2024

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...

United States Finance

MB

Mayer Brown

California DFPI Issues Regulations To Classify Earned Wage Access As Loans

On October 22, 2024, the California DFPI issued final regulations which, when effective, will classify most EWA programs in the market as consumer loans, and which subject EWA providers to registration and regulation under California's consumer-credit laws.

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

The CFPB Sets Its Sights On Buy Now, Pay Later Lenders In New Interpretive Rule

United States Finance

AC

Ankura Consulting Group LLC

CFPB Proposes Interpretive Rule For Earned Wage Access Products

United States Finance

GT

Greenberg Traurig, LLP

Ankura Monthly Economic Indicators Overview [August 2024]

United States Strategy

AC

Ankura Consulting Group LLC

Allegedly Deceptive Credit Repair Scheme Settles With FTC For $12 Million

United States Finance

SM

Sheppard Mullin Richter & Hampton

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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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