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.
Florida AG Issues Report on Allegedly Deceptive Sales and Financing of Pets
U.S. Supreme Court Will Consider Definition of "Consumer" Under Federal Video Privacy Protection Act
Court Refuses to Compel Arbitration of Military Lending Act Claims, Finding Earned Wage Access Product Was Extension of Consumer Credit Subject to Finance Charge
Deed of Trust Holder's Tender of Superpriority Amount of HOA's Lien was Excused Where HOA's Agent Had Known Policy of Rejecting Such Payments
FHA Extends Temporary Waiver of New Construction Flood Elevation Requirements
Maryland Licensing Workgroup Issues Interim Report
California DFPI Obtains $500,000 Settlement with Crypto Lender
Maryland AG Obtains Settlement with Title Insurance Company
FDIC Establishes Office of Supervisory Appeals
FDIC Approves Industrial Bank Applications Submitted By Ford Motor Company and General Motors Company
CFPB and DOJ Withdraw Joint Statement on Consideration of Immigration Status Under ECOA
New Vehicle Financing Interest Disclosure Deadline Approaches
HUD Proposes to Remove Its Discriminatory Effects Regulations Under Fair Housing Act
Michigan DIFS Issues Bulletin Addressing Use of AI by Financial Service Providers
California DFPI Proposes Rule Requiring Registration of Consumer Reporting Entities
Hudson Cook Insights
Today's Trends in Credit Regulation
The Hudson Cook Usury Monitor - A Publication of Recent Usury and Finance Charge Cases - Fall 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. Assuming the courts stay busy, please look for our next edition towards the end of winter. article continued
New York's Coerced Debt Law Remains a Work in Progress
By Thomas P. Quinn, Jr. and Anastasia V. Caton
In mid-December New York joined a growing number of states that regulate coerced debt. The law, found in a new Article of the New York General Business Laws, will become effective on March 20th. Without question, coerced debt laws serve a noble purpose. However, even upon its passage New York Governor Kathy Hochul noted in her Approval Memorandum that the legislation "contains numerous technical errors, substantive issues and structural defects" that are to be addressed in the 2026 legislative session. Pending such corrections, what should creditors do? article continued
Consumer Financial Services Bites of the Month Annual Review
By Justin B. Hosie, Eric L. Johnson and Kristen Yarows
Throughout 2025, Hudson Cook's Consumer Financial Services Bites of the Month webinar program tracked and presented key regulatory, enforcement, and policy developments across the consumer finance landscape. From CFPB and FTC enforcement actions to rulemaking, litigation, and supervisory priorities, each monthly "bite" highlighted issues with real operational and compliance impact. article continued
CFPB Proposes Changes to Regulation B
By Erica A.N. Kramer
On November 13, the Consumer Financial Protection Bureau published a Notice of Proposed Rulemaking proposing various revisions to Regulation B. These revisions would impact whether disparate impact is a cognizable legal theory under the Equal Credit Opportunity Act, under what circumstances a creditor may be deemed to be discouraging an applicant or prospective applicant, and under what conditions a creditor may offer special purpose credit programs (SPCPs). article continued