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.

FCC's New Robocall One-to-One Consent Standard Postponed by FCC and Vacated by Court on Eve of Effective Date

Fifth Circuit Vacates FTC's CARS Rule

CFPB Issues Report on Vehicle Financing by Servicemembers

Maryland Office of Financial Regulation Publishes Final Rules Governing Shared Appreciation Agreements

CFPB Takes Action Against Remittance Transfer Provider for Alleged Deceptive Fee Disclosure Practices

President Trump Signs Executive Order Imposing Regulatory Freeze

DOJ and Bank Resolve Allegations that Bank's Student Loan Refinance Program Violated ECOA

CFPB's Special Edition of Supervisory Highlights Focuses on Use of Credit Scoring Models

Provider of Merchant Cash Advances Settles Lawsuit with New York AG

Vehicle Finance Company Resolves Allegations that It Inaccurately Reported Individuals as Delinquent During COVID-19 Payment Deferral Period

Mortgage Company Settles HUD's Allegations that It Charged Unlawful Convenience Fees to Borrowers Using Certain Payment Methods

Maryland Office of Financial Regulation Issues Guidance and Emergency Regulations Concerning Licensing of Mortgage Trusts and Assignees of Mortgage Loans

New Jersey AG and Division of Civil Rights Issue Guidance on Algorithmic Discrimination

CFPB Issues Proposed Rule Prohibiting Certain Contractual Provisions in Contracts for Consumer Financial Products and Services

FTC Settles First Action Related to Connected Vehicle Data

Hudson Cook Insights

Today's Trends in Credit Regulation

FTC Targets Accessibility Overlays

By Erica A.N. Kramer

On January 3, 2025, the Federal Trade Commission ("FTC") announced a proposed $1,000,000 settlement with accessiBe Inc. and accessiBe Ltd. accessiBe is a software provider that sells an AI-powered web accessibility tool called "accessWidget." accessWidget is a plug-in, designed to make websites compliant with the Web Content Accessibility Guidelines ("WCAG"). article continued

Yellowstone Capital Settles Lawsuit with New York Attorney General

By Eric D. Mulligan

On January 16, 2025, Yellowstone Capital and other entities, along with Yellowstone officers Isaac Stern and Jeffrey Reece, settled claims by New York Attorney General Letitia James that Yellowstone and the other entities allegedly violated New York law by extending usurious loans to small business and disguising them as sales-based financing transactions (or "merchant cash advances," as the proposed settlement terms them). article continued

CFPB Bites of the Month - 2024 Annual Review - Credit Cards

By Daniel J. Laudicina, Eric L. Johnson, Justin B. Hosie and Kristen Yarows

In this article, we share a timeline of our monthly "bites" for 2024 applicable to the credit card industry. article continued

No Paper Necessary: Vehicle Titles in the Age of the Internet

By Eric D. Mulligan

Unlike most items of personal property, a motor vehicle usually has a certificate of title. We all know that the point of a vehicle title is to show who owns the vehicle and who (if anyone) has a lien on it. Sometimes, though, what matters is more than that piece of paper, especially in an age when many states have laws recognizing electronic liens, registrations, and titles. article continued

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