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.
GAO Recommends Increased Financial Monitoring of Nonbank Mortgage Companies
Impact of CFPB's Regulation, Supervision, and Enforcement on Cost of Credit for Consumers
New York Clarifies Recent Changes to Mortgage Payoff Rules
Ninth Circuit Holds that Debtor's Oral Objection Alone, Absent Risk of Violence, Does Not Constitute Breach of Peace During Repossession
New York State Assembly Considering True Lender Bill
Used Car Dealership Subject to Enhanced Penalties for Violations of New Jersey Consumer Fraud Act, Advertising Regulations, and Prior Consent Order
DOJ and Texas AG Announce Joint $68 Million Settlement with Private Land Developer for Allegedly Discriminating Against Hispanic Consumers
New York DFS Issues Cybersecurity Guidance on Vishing
FTC Intends to Publish ANPRM on Negative Option Rule
Senator Warren Requests Information Concerning Vehicle Repossessions
California AG Initiates Investigative Sweep Focused on Surveillance Pricing
Wisconsin DOT Authorizes Electronic Odometer Disclosures
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