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.

May 2025

North Dakota Law Regulates "Alternative Financing" as a "Loan"

By Robert F. Gage

The state legislature in North Dakota recently passed House Bill 1127. This bill made a simple amendment to a 1970s-era law called the Money Brokers Act ("MBA"). article continued

Driver Data Privacy—the Road Ahead

By Megan C. Nicholls

The attorneys general in Arkansas and Indiana are the most recent AGs to file lawsuits under their respective state laws protecting the privacy of driver data. We previously reported that the state of Texas filed a similar lawsuit. The Arkansas AG filed his lawsuit on February 26, 2025, under the Arkansas Deceptive Trade Practices Act. This action was followed by the Indiana AG's lawsuit on March 19, 2025, under the Indiana Deceptive Consumer Sales Act. article continued

Oklahoma Requires Electronic Certificates of Title Beginning July 1

By Eric L. Johnson

On March 31, Service Oklahoma issued a bulletin notifying motor vehicle dealers of updates to the state's electronic lien and title (ELT) system. Service Oklahoma is a division of the Oklahoma Office of Management and Enterprise Services and was created by the Oklahoma legislature in 2022 to provide driver and motor vehicle services on behalf of the state. article continued

FTC Targets Accessibility Overlays   December 2024/January 2025

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