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

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Mortgage

Mortgage Law Compliance - Learn More
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Installment

Installment Law Compliance - Learn More
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Goods/Services

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Privacy

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2025 Financial Services Conference

November 2-4, 2025

Save the Date! Our 21st Annual Conference is in Baltimore at the Four Seasons Hotel. Details, sponsorship opportunities and online registration coming soon.

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Last Week, This Morning®

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

Nebraska Enacts Legislation Overhauling Money Transmitters Act and Combining Installment Loan Act and Installment Sales Act

Maryland OFR Issues Update Regarding Annual Assessment of Licensees

Nevada Legislature Eliminates In-State Office Requirement for Internet Consumer Lenders

Maryland Enacts Earned Wage Access Legislation

Texas Senate and House Pass Bill that Will Dramatically Impact Sales-Based Financing Transactions; Bill Heads to Governor's Desk

Providers of Debt Relief Services Permanently Banned from Debt Relief Industry

New York Enacts Law Regulating Buy-Now-Pay-Later Transactions

New Jersey Allows Borrowers to Make Biweekly or Semi-Monthly Mortgage Payments

GAO Issues Report on AI Use in Financial Services Industry

President Trump Signs Resolutions to Repeal CFPB's Overdraft Lending and Digital Payments Rules

Georgia Regulates Third-Party Litigation Financing

Florida Permits Collection Emails Between 9 p.m. and 8 a.m.

CFPB Proposes to Rescind Non-Bank Registry Rule

FTC Delays Enforcement of Amended Negative Option Rule

FHA Archives Nearly 600 Mortgagee Letters

CFPB Withdraws Certain Proposed Rules and Proposed Interpretive Rule

Oregon Requires Vehicle Dealers to Make Good Faith Effort to Sell Retail Installment Contract or Lease Agreement to Lender on Exact Same Terms Negotiated with Buyer/Lessee

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