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.
White House Releases Comprehensive National Policy Framework for Artificial Intelligence
Financial Stability Oversight Council Issues Proposed Guidance on Nonbank Financial Company Designations
Oklahoma Enacts Comprehensive Consumer Data Privacy Law
Washington Enacts Uniform Consumer Debt Default Judgments Act
Utah Strengthens Debtor's Right to Prepay Without Penalty
Trump Issues Executive Order Promoting Access to Mortgage Credit
New York Significantly Revises New York Coerced Debt Law
South Dakota Enacts Financial Exploitation Bill
AGs Sue Federal Government over Fair Housing Guidance
New York AG Sues Solar Power Installation Company and Lenders for Misleading Customers into Signing Sales or Loan Contracts
FTC Releases ANPRM on Negative Option Rule
FTC Sends Letter to 97 Auto Dealerships Warning of Deceptively Advertised Pricing for Vehicles
Senator Warren Continues to Seek Information from Auto Financing Industry -Now Focusing on Servicemembers
Oregon's DIDMCA Opt-Out Bill Awaits Governor's Signature
Colorado Settles Claims Against Debt Collector for Violations of Colorado FDCPA
Hudson Cook Insights
Today's Trends in Credit Regulation
New York Buy-Now-Pay-Later Rules Overly Broad?
By Thomas P. Quinn, Jr.
In late February, in the midst of an historic East Coast Blizzard, the New York Department of Financial Services ("DFS") issued its pre-proposed regulations to implement the state's 2025 statute regulating buy-now-pay-later (BNPL) lenders (the "BNPL Act"). article continued
New York Criminal Usury as a Claim in Bankruptcy
By Clayton C. Swears
A merchant bankruptcy poses several dangers for revenue-based commercial funders. Most obviously, from a business standpoint, bankruptcy disrupts the merchant's ongoing revenue generation and the transfer of revenue to the funder. However, bankruptcy also poses important compliance considerations. article continued
Consumer Financial Services Bites of the Month - February 18, 2026 - "February Seven"
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 February 2026 webinar. article continued
Federal Agencies' Withdrawal of Joint Statement on Fair Lending Likely to Reduce Credit Opportunities for Non-Citizens
By Nicole F. Munro
On January 12, 2026, the Consumer Financial Protection Bureau and the Department of Justice withdrew their October 2023 joint statement regarding the implications of a creditor's consideration of an individual's immigration status on compliance with the Equal Credit Opportunity Act. article continued