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.
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.
Last Week, This Morning®
Key developments from the past week in consumer and commercial finance and privacy law.
DOJ Settles SCRA Claims Against Vehicle Finance Company
FinCEN Seeks Information Concerning Costs of Anti-Money Laundering and Countering Financing of Terrorism Compliance
Rhode Island Statute Requiring Lenders to Pay Interest on Mortgage Escrow Accounts Is Not Preempted by National Bank Act Where Lender Is National Bank
FTC Announces $2.5 Billion Settlement with Large Online Retailer over Deceptive Subscription and Cancellation Practices
California Privacy Protection Agency Updates CCPA Regulations
FTC and DOJ Settle Unlawful Telemarketing Claims
CFPB Rescinds Amendments to Procedures for Supervisory Designation Proceedings
Massachusetts Amends Two Mortgage Lending Regulations
Washington DFI Proposes to Adopt Standards for Determining Whether Person Holds Predominant Economic Interest in Loan for Purposes of Predatory Loan Prevention Act
California Legislature Passes Bill to Restrict Use of "Interest" and "Rate" in Commercial Financing
California Allows Mortgage Forbearance for Borrowers Experiencing Financial Hardship Due to January Wildfires
Statutory Violation of California's Rosenthal Act Is Sufficient to Confer Standing Upon Consumer, Regardless of Actual Injury
State Attorneys General Investigate Businesses' Compliance with Consumer Data Sharing Opt-Out Mechanism
Alaska AG Has Broad Powers to Subpoena Information from Businesses Under State's Unfair and Deceptive Trade Practices Law
Vehicle-Secured Creditor's Pre- and Post-Sale Notices Adequately Described Deficiency as Difference Between Loan Balance and Sale Price
Hudson Cook Insights
Today's Trends in Credit Regulation
The Hudson Cook Usury Monitor - A Publication of Recent Usury and Finance Charge Cases - Summer 2025
By Clayton C. Swears
For all those interested in all things "Interest" related, we provide a summary of recent state and federal court cases involving usury, finance charges, and interest rates, as they relate to the consumer and commercial credit industries. Assuming the courts stay busy, please look for our next edition in the Fall. article continued
Keeping Your Eye on the Ball: Federal Cancellation Policy Settlements and New York Updates to Auto Renewal Law
By Thomas P. Quinn, Jr. and Kristen Yarows
While much focus has recently been paid to the Massachusetts Attorney General's "junk fee" regulation, which includes newly effective negative option requirements, focus on automatic renewal cancellation policies remains a point of emphasis elsewhere. article continued
Consumer Financial Services Bites of the Month - September 17, 2025 - "Come Sail Away CFPB"
By Justin B. Hosie, Eric L. Johnson and Kristen Yarows
In this month's article, we share some of our top "bites" covered during the September 2025 webinar. article continued
Nebraska AG Sues Major Auto Manufacturer over Alleged Unauthorized Data Sharing
By Eric D. Mulligan
On July 8, Nebraska Attorney General Mike Hilgers sued a major automobile manufacturer for allegedly collecting and selling drivers' data without their permission. According to the AG's complaint, the manufacturer pressured drivers into enrolling in optional products and services that collected the drivers' data and sold that data to third parties. article continued