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.
2025 Financial Services Conference
November 2-4, 2025
Save the Date! Our 21st Annual Conference is in Baltimore at the Four Seasons Hotel. Details, sponsorship opportunities and online registration coming soon.
Last Week, This Morning®
Key developments from the past week in consumer and commercial finance and privacy law.
CFPB Proposes to Rescind Non-Bank Registry Rule
FTC Delays Enforcement of Amended Negative Option Rule
FHA Archives Nearly 600 Mortgagee Letters
CFPB Withdraws Certain Proposed Rules and Proposed Interpretive Rule
Oregon Requires Vehicle Dealers to Make Good Faith Effort to Sell Retail Installment Contract or Lease Agreement to Lender on Exact Same Terms Negotiated with Buyer/Lessee
CFPB Withdraws Numerous Guidance Documents
New York AG Settles Allegations that Dealerships Overcharged Lessees Who Purchased Vehicles at End of Lease Term
Tennessee Revises Index Used to Calculate Maximum Interest Rate for Home Loans
Iowa Amends Additional Charges Section in Consumer Credit Code for Loans Secured by Real Estate
FTC Settles Allegations Against AI Company Over Deceptive Accuracy Claims About AI Content Detection
CFPB Drops Lawsuit Against Auto Finance Company
CFPB Moves to Dismiss Its Appeal of Case Holding that Its Changes to UDAAP Examination Manual Exceeded Statutory Authority
CFPB Provides Regulatory Relief from Small Business Lending Rule Requirements
FTC Reaches Settlement with Debt Collector
Hudson Cook Insights
Today's Trends in Credit Regulation
California Regulator Signals New Era in Privacy Enforcement
By Erik M. Kosa
Last month, the California Privacy Protection Agency announced a consent order with an auto manufacturer alleging multiple violations of the California Consumer Privacy Act and imposing a $632,500 fine for alleged failure to strictly comply with the CCPA's provisions. article continued
No Harm, No Foul: Statutory Violations and Consumer Harm
By Eric D. Mulligan
"No harm, no foul" is a common saying. As it turns out, that saying is sometimes true in law. An important prerequisite for a lawsuit in federal court is that the plaintiff have standing to sue. article continued
CFPB Bites of the Month - April 16, 2025 - "I'll Remember April and the CFPB"
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 April 2025 webinar. article continued
Congratulating Hall of Famer Terry O'Loughlin
By Nicole F. Munro
Hudson Cook, LLP, CounselorLibrary.com, LLC, and their attorneys and staff join in celebrating a legend in auto finance—our friend and colleague Terry O'Loughlin. article continued