Consumer Credit and Privacy Compliance

Online research tools to manage compliance with federal and state laws and regulations

CounselorLibrary.com, LLC, an affiliate of the law firm of Hudson Cook, LLP, is the leading compliance resource for the consumer financial services and privacy industries, providing comprehensive coverage and analysis of federal and state laws, regulations, and litigation. Select a category below, or view all products.

Auto

Auto Law Compliance - Learn More
Learn More

Mortgage

Mortgage Law Compliance - Learn More
Learn More

Installment

Installment Law Compliance - Learn More
Learn More

Goods/Services

photo of a row of appliances in a retail store
Learn More

Boat/RV/Powersports

photo of a powerboat
Learn More

Privacy

photo of data center
Learn More

2025 Financial Services Conference

November 2-4, 2025

Save the Date! Our 21st Annual Conference is in Baltimore at the Four Seasons Hotel. For more details and to register, click here.

photo of Four Seasons Hotel in Baltimore

Last Week, This Morning®

Key developments from the past week in consumer and commercial finance and privacy law.

Louisiana Establishes Disclosure Requirements for Revenue-Based Financing Transactions and Clarifies that Amounts Charged in Such Transactions Are Not "Interest"

FTC Releases FAQs on How Safeguards Rule Applies to Vehicle Dealers

CFPB Extends Compliance Dates for Small Business Lending Rule

Maine Requires Disclosure When Using Artificial Intelligence Chatbot to Communicate with Consumers

Maine and Oregon Prohibit Reporting of Consumer Medical Debt

Acting Comptroller of the Currency Concludes OCC's Preemption Regulations Are Lawful

Nevada Enacts Uniform Mortgage Modification Act

Installment Lenders May Contract with Nevada DMV to Provide Loans to Vehicle Owners to Pay Vehicle Registration

Connecticut Reduces Statute of Limitations for Foreclosing "Zombie" Mortgages

Wisconsin Licensed Lenders May Permit Remote Work By Employees Under Certain Conditions

FHA Mortgagee Letter Streamlines Process of Engaging with Borrowers in Default and Clarifies Loss Mitigation Requirement

Operator of Mobile App Providing Cash Advances Could Not Enforce Borrower's Arbitration Agreement with Loan Provider

Hawaii Amends Provisions Governing Installment Loans

Hawaii Prohibits Mortgagees From Bundling Mortgage Properties at Public Foreclosure Sales

Hudson Cook Insights

Today's Trends in Credit Regulation

North Dakota Law Regulates "Alternative Financing" as a "Loan"

By Robert F. Gage

The state legislature in North Dakota recently passed House Bill 1127. This bill made a simple amendment to a 1970s-era law called the Money Brokers Act ("MBA"). article continued

Driver Data Privacy—the Road Ahead

By Megan C. Nicholls

The attorneys general in Arkansas and Indiana are the most recent AGs to file lawsuits under their respective state laws protecting the privacy of driver data. We previously reported that the state of Texas filed a similar lawsuit. The Arkansas AG filed his lawsuit on February 26, 2025, under the Arkansas Deceptive Trade Practices Act. This action was followed by the Indiana AG's lawsuit on March 19, 2025, under the Indiana Deceptive Consumer Sales Act. article continued

Oklahoma Requires Electronic Certificates of Title Beginning July 1

By Eric L. Johnson

On March 31, Service Oklahoma issued a bulletin notifying motor vehicle dealers of updates to the state's electronic lien and title (ELT) system. Service Oklahoma is a division of the Oklahoma Office of Management and Enterprise Services and was created by the Oklahoma legislature in 2022 to provide driver and motor vehicle services on behalf of the state. article continued