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.

CFPB Seeks to Vacate Settlement with Mortgage Lender

U.S. Senate Passes Resolution to Repeal CFPB's Overdraft Lending Rule

FTC Obtains $17 Million Settlement with Cash Advance Company

Virginia Governor Vetoes Senate Bill 1252

Kentucky Amends Provisions Governing Charges for Defaults on Installment Sale Contracts

Tennessee Increases TILT Act Maximum Interest Rate to 36%

Idaho Joins Arkansas in Enacting Law Restricting Use of Mortgage Trigger Leads

Texas Bill Would Cap Sales-Based Financing "Interest" at 18% a Year

Virginia Requires Dealers to Complete Buyer's Order for Vehicle Leases

California Privacy Protection Agency Takes CCPA Enforcement Action Against Auto Manufacturer for Alleged Violations of Consumers' Privacy Rights

AFSA Submits Comment Letter on CFPB's Proposed Auto Loan Survey

Utah Legislature Passes Earned Wage Access Services Law

Mortgage Loan Originators in Texas Required to Register with NMLS

Oregon Requires Consumer Finance License for Providers of Certain Private Education Loans and Income Share Agreements

California Rule Addresses Pro Rata Annual Assessment Payable by Licensed Debt Collectors and Contents of Their Annual Reports

Oklahoma Department of Consumer Credit Publishes UCCC Dollar Amount Adjustments Effective July 1, 2025

Hudson Cook Insights

Today's Trends in Credit Regulation

Massachusetts Junk Fee Regulation Presents Challenges to Advertising of Bank Deposit Products

By Thomas P. Quinn, Jr.

In early March, nearly a year and a half after it was initially proposed, the Massachusetts Attorney General's Office finalized the Commonwealth's "junk fee" regulation (the "Final Rule") while simultaneously issuing a business guidance document (the "Guidance Document") that provides interpretive gloss to the Final Rule. article continued

State AGs Step Up Privacy Enforcement

By Erik Kosa

With attention on Democratic Attorneys General vowing to fill the void left by weakened federal regulators, and perhaps a more partisan divide on enforcement generally, a bipartisan consensus is quietly emerging in the states when it comes to privacy enforcement.

On February 26, Attorney General Tim Griffin (R-AR) announced that Arkansas has sued General Motors and its subsidiary OnStar for selling consumer data to third parties without consent. article continued

Consumer Financial Services Bites of the Month - March 19, 2025 - Melancholy March with 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 March 2025 webinar. article continued

The CFPB's Future is Unclear, but Its $42 Million Judgment Still Sends a Clear Message

By Tracy Wang

If we could use only one word to describe the future of the Consumer Financial Protection Bureau, I think most of us would agree on the word "uncertain." However, one thing seems certain to occur as we wait to see what will happen with the CFPB: a rise in state enforcement efforts. article continued

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