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
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Last Week, This Morning®
Key developments from the past week in consumer and commercial finance and privacy law.
Massachusetts AG Updates "Junk Fee" Business Guidance
Oregon Updates Provisions Governing Telephone and Text Solicitations
New Jersey Auto Dealers Reminded of Obligation to Prevent Unauthorized Access to Consumer Data Stored on Vehicles
EWA Providers Now Regulated as Small Loan Lenders in Connecticut
Federal Bipartisan Bill Would Enable Financial Services Companies to Experiment with AI Through Regulatory Sandboxes
FTC Obtains TRO Against Debt Relief Companies
Pennsylvania Mortgage Licensing Act Amendments Clarify Ability to Charge "Discount Points"
State Regulators Obtain $4.2 Million Settlement with Money Transmitter for BSA/AML Violations
AFSA Submits Comments on CFPB's Consumer Complaint Portal
CFPB Settles Allegations that Pawn Loans Violated MLA
OCC Discontinues Examining Banks for Disparate Impact Liability
Federal District Court Vacates CFPB's Medical Debt Rule
Missouri AG Sues Used Car Dealership for Failing to Deliver Titles to Buyers
Massachusetts AG Settles Claims Against Student Lender that Used AI Models in Underwriting
Hudson Cook Insights
Today's Trends in Credit Regulation
When Does a Consumer's Permission to Make Credit Inquiries Expire?
By Eric D. Mulligan
If at first you don't succeed, try, try again, right? That advice may be good for life in general, but it's not so good for running credit inquiries. article continued
Creditors' Rights and the Constitution: A Difficult (But Not Impossible) Connection to Make
By Eric D. Mulligan
You may not associate creditors' rights with the United States Constitution. After all, when people think of constitutional rights, they generally think of free speech, freedom of the press, trial by jury, etc. article continued
Consumer Financial Services Bites of the Month - July 16, 2025 - "July Morning with the 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 July 2025 webinar. article continued
No AI Law? No Problem. How Massachusetts Attacked AI Underwriting Under Existing State Statutes
By Mark D. Metrey
On July 10, 2025, the Massachusetts Attorney General (AGO) entered into an Assurance of Discontinuance (AOD) with a private student loan lender (the Company), resolving allegations that the Company's underwriting practices violated the state's unfair and deceptive act or practice (UDAP) law and federal fair lending laws. article continued