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.
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Last Week, This Morning®
Key developments from the past week in consumer and commercial finance and privacy law.
Minnesota AG Settles Claims Against Tribal-Owned Online Lender
Collection Agency Resolves Allegations that It Violated Colorado FDCPA in Connection with Collection of Medical Debt
Car Dealership Liable for More Than $500,000 in Restitution for Failing to Include Document Fees in Advertised Prices
Recipient of Earned Wage Access Advance Sufficiently Stated Claim that Provider Was Subject to Maryland Consumer Debt Collection Act
Dealership that Provided Loaner Vehicle to Individual Whose Car Was Being Serviced Was Immune from Vicarious Liability Under Graves Amendment and Related Florida Statute for Damages Caused by Individual's Alleged Negligent Operation of Vehicle
FTC Publishes FAQs on Vehicle Price Transparency
Conference of State Bank Supervisors Releases AI Supervisory Framework
FDIC Issues Proposed Rule on State Bank Parity
Massachusetts AG Obtains Settlement Resolving Allegations of Unfair and Deceptive Debt Collection Practices
Texas AG Warns Businesses of Scam Demand Letters Alleging Unlawful Use of Website-Tracking Technologies
FTC's Bureau of Consumer Protection Launches Guidance Program
Federal Agencies and FinCEN Address Use of Verifiable Digital Credentials Under Customer Identification Program Rule
Federal Agencies Seek Comment on Proposed Third-Party Risk Management Guidance and Issue Statement on Community Bank Engagement with Core Service Providers
IRS Publishes Final Rules for Qualified Passenger Vehicle Loan Interest Deduction
Court Reverses Dismissal of Complaint Alleging Buyer of Mortgages in Foreclosure Was Subject to Illinois Collection Agency Act
Hudson Cook Insights
Today's Trends in Credit Regulation
The Hudson Cook Usury Monitor - A Publication of Recent Usury and Finance Charge Cases - Summer 2026
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. Please look for our next edition towards the end of fall. article continued
Colorado's AI Law: Friend or Foe of ECOA?
By Trisha J. Cacciola and Patricia E.M. Covington
The Equal Credit Opportunity Act (the "Act") and its implementing regulation, Regulation B ("Regulation B," and together with the Act, "the ECOA") prescribes the federal requirements for adverse action notifications. In addition, the Fair Credit Reporting Act (the "FCRA") requires a user to provide notice of adverse action when the user takes adverse action on a consumer based upon on information, whether in whole or in part, from a consumer report. article continued
A Bigger Bite: FTC Personalized Pricing, Seems Like Risk-Based Pricing in Reverse
By Justin B. Hosie, Eric L. Johnson and Kristen Yarows
This is the first in a series of "Bigger Bite" articles, where the authors will add some additional thoughts and commentary to one of the "Bites of the Month" from their webinar and article series. In this one, Justin Hosie and team address the FTC's proposal addressing personalized pricing. article continued
Dormant Commerce Clause Challenge to Nevada In-State Office Requirement
By Clayton C. Swears
It would not surprise those involved in the financial services industry to hear there can be tension between compliance requirements and the increasingly tech-focused process in which products are offered. What can come as a surprise, however, is that the compliance requirements can include something as prohibitive as an in-state office requirement. article continued