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.
2026 Financial Services Conference
November 8-10, 2026
Save the Date! Our 22nd 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.
FTC Bans Data Broker and Its Subsidiary from Selling Individuals' Sensitive Location Data
Washington State Prohibits Nonjudicial Foreclosure of HELOCs
Massachusetts DOB Obtains $1.9 Million Settlement with Unregistered Third-Party Loan Servicer
New York Statute Requiring Lenders to Pay Interest on Mortgage Escrow Accounts Is Preempted by National Bank Act
Iowa Raises Maximum Rate for Loans Made by Regulated Loan Act Licensees to 36% Per Year
OCC Clarifies National Banks' Power to Charge Interchange Fees for Processing Payment Card Transactions
New York DFS Reminds Financial Institutions of Obligations Under State's Fair Lending Law
Maryland Prohibits Sending Unsolicited Live Checks or Other Negotiable Instruments Offering Secured Credit to Consumers
Maryland Prohibits Certain Tipping Practices by Lenders and Earned Wage Access Providers
Graves Amendment Preempts State Law Imposing Liability Insurance Requirements on Vehicle Rental and Leasing Companies
FDIC, OCC, and FRB Issue Revised Guidance on Model Risk Management
Disparate Impact Liability is Not Cognizable Under ECOA
FHA, Fannie Mae, and Freddie Mac Implement New Credit Scoring Models for Mortgages
South Carolina AG Urges Financial Institutions to Do "Better Job" Detecting Auto Loan Fraud By Small Dealerships
Hudson Cook Insights
Today's Trends in Credit Regulation
The Hudson Cook Usury Monitor - A Publication of Recent Usury and Finance Charge Cases - Winter 2025
By Clayton C. Swears
For 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. article continued
Optimize This Unusual Federal Regulatory Pause
By Patricia E.M. Covington
It's no secret that 2025 turned the federal regulatory ecosystem on its head. The Consumer Financial Protection Bureau was significantly downsized and almost neutered. The Federal Trade Commission's leadership and composition were changed, as were its focus and enforcement priorities. article continued
Consumer Financial Services Bites of the Month - April 15, 2026 - "April Song."
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 April 2026 webinar. article continued
Is the Current Department of Justice More Pro-Business on Servicemember Rights Claims? Um, No.
By L. Jean Noonan
The news of momentous changes in government policy, especially regarding civil rights enforcement, has been gratifying to many creditors that felt the federal government had gone too far in its interpretation of the laws and was too unreasonable in its settlement demands. article continued