Insights

Today's Trends in Credit Regulation

Welcome to Hudson Cook Insights - a collection of articles written each month by the attorneys of Hudson Cook, LLP, in an effort to keep their clients and other compliance professionals informed about current trends and developments in consumer credit finance that will affect the way they do business.

June 2026

The Hudson Cook Usury Monitor - A Publication of Recent Usury and Finance Charge Cases - Spring 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 summer. article continued

Former CFPB Director Chopra's New Role—"California Will Be Firing on All Cylinders"

By Eric L. Johnson

On May 12, California Governor Gavin Newsom announced the appointment of former Consumer Financial Protection Bureau Director Rohit Chopra to serve as secretary of California's new Business and Consumer Services Agency. If you're doing business in California, have any California contracts in your portfolio, or have consumers with a California address, your world just got a lot more complicated. article continued

Consumer Financial Services Bites of the Month - June 17, 2026 - "Rainy Day in June."

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 June 2026 webinar. article continued

Analysis of New York City Debt Collection Regulation: Part 2 (Challenges for Third Party Collectors)

By Anastasia V. Caton, Charles F. Dodge, Jr. and Thomas P. Quinn, Jr.

As mentioned in Part 1 of our article series, the revised New York City debt collection regulation will become effective on the first of September - so operationalizing compliance with the new rules should be well underway. In this issue, we will focus on contact requirements that will present some challenging nuances for third-party debt collectors trying to comply with both federal Reg F and the revised New York City rule. article continued

CFPB Proposes Changes to Regulation B   December 2025/January 2026

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