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18 Sep 2018, 12:55 pm
In the latest sign of regulatory scrutiny of asset-advance companies offering consumers what regulators believe are in fact regulated “credit” under federal law and “loans” under state law, the Bureau of Consumer Financial Protection (BCFP) filed its first new lawsuit under Acting Director Mulvaney last Thursday. [read post]
17 Sep 2018, 11:59 am
Most notably, the GAO determined that Consumer Financial Protection Bureau guidance on indirect auto lending under the Equal Credit Opportunity Act, and interagency guidance on leveraged lending, both constituted “rules” under the CRA because the statements were “designed to implement, interpret or prescribe law or policy. [read post]
17 Sep 2018, 9:41 am
” The lending practices prohibited by the Payday Rule do not meet the CFPA’s standard for an act or practice to be deemed “abusive” because consumers do not lack “understanding” of the loans covered by the Payday Rule and the prohibited practices do not take “unreasonable advantage” of consumers’ inability to protect their interests. [read post]
17 Sep 2018, 6:00 am
Essentials About Credit Reporting: Consumer Debt Advice from National Consumer Law Center (NCLC)by Chi Chi Wu of NCLCThis is the twelfth article in an NCLC series to give advice for families in financial difficulty. [read post]
14 Sep 2018, 12:11 pm
More specifically, Future Income Payments and the other defendants allegedly committed deceptive acts in violation of the Consumer Financial Protection Act and failed to make disclosures required by the Truth in Lending Act by: Falsely marketing that the alleged loans (1) are asset purchases rather than loans, (2) do not have interest rates, and (3) are comparable or cheaper than credit-card debt; and Failing to provide the disclosures required by TILA explaining… [read post]
14 Sep 2018, 11:56 am
On September 12, 2018, the Bureau of Consumer Financial Protection (the “Bureau”) issued an interim rule to update two model disclosures following the recent enactment of the Economic Growth, Regulatory Relief, and Consumer Protection Act (the “Act”). [read post]
14 Sep 2018, 11:47 am
Concepcion, which upheld the use of class action waivers in consumer arbitration agreements, and Congress’ repeal of the Consumer Financial Protection Bureau’s (CFPB’s) final arbitration rule last October, which would have prohibited the use of such waivers. [read post]
14 Sep 2018, 6:05 am
Court of Appeals for the Fifth Circuit held that a civil investigative demand (CID) issued by the Consumer Financial Protection Bureau did not adequately advise the respondent of the nature of the conduct constituting the alleged violation under investigation and the provision of… Jeffrey Karek [read post]
13 Sep 2018, 4:00 pm
Some Florida and Federal Rules That Help Homeowners The federal Consumer Financial Protection Bureau requires that the mortgage servicing company wait until a homeowner is 120 days behind on the bills before starting foreclosure proceedings. [read post]
13 Sep 2018, 12:58 pm
In what seems to be a response to the Government Accountability Office’s (“GAO”) determination that the Consumer Financial Protection Bureau’s indirect auto finance bulletin (the “Bulletin”) was a rule subject to the Congressional Review Act (“CRA”) and a rebuke to the Bureau’s prior approach of “rulemaking by enforcement,” the Board of Governors of the Federal Reserve System, Federal… [read post]
13 Sep 2018, 12:21 pm
The TDP Policy relies on the Bureau’s authority under Dodd-Frank Section 1032(e) to permit providers of consumer financial services and products “to conduct a trial program that is limited in time and scope, subject to specified standards and procedures, for the purpose of providing trial disclosures to consumers. [read post]
13 Sep 2018, 11:44 am
In its May 21, 2018 statement, the CFPB indicated that it “will be reexamining the requirements of the ECOA” in light of “a recent Supreme Court decision distinguishing between antidiscrimination statutes that refer to the consequences of actions and those that refer only to the intent of the actor” and “the fact that the Bureau is required by statute to enforce federal consumer financial laws consistently. [read post]
12 Sep 2018, 2:39 am
The Consumer Financial Protection Bureau published a final rule implementing revised FOIA regulations in today’s issue of the Federal Register. [read post]
11 Sep 2018, 2:01 pm
The announcement is entitled “DFS Takes Action to Protect New Yorkers from Unfair Auto Lending Practices as Federal Government Rolls Back Consumer Protections,” and “reminds lenders of their liability for any discrimination that may result from markup and compensation policies with third parties such as car dealers. [read post]
10 Sep 2018, 2:08 pm
On August 31, Bureau of Consumer Financial Protection (the “Bureau“) issued an interpretative and procedural rule to implement and clarify the requirements of section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act, which amended the Home Mortgage Disclosure Act (“HMDA“). [read post]
6 Sep 2018, 8:07 am
The proposed judgment provides that “for the reasons stated in the Court’s June 21, 2018 Order, (ECF No. 80), final judgment is hereby entered pursuant to Rule 54(b) against the Consumer Financial Protection Bureau and in favor of Defendants [RD Legal Funding et al.] [read post]
3 Sep 2018, 6:00 am
library.nclc.orgStudent Loan Repayment Rights: Consumer Debt Advice from NCLC (National Consumer Law Center)by Joanna DarcusClick here for a list linking to all the articles in this series.This article explains rights to cancel, reduce, or delay federal student loan payments. [read post]
31 Aug 2018, 6:59 pm
Consumer Financial Protection Bureau. [read post]
30 Aug 2018, 9:30 pm
The Student Loan Ombudsman of the Consumer Financial Protection Bureau (CFPB) resigned in protest of what he called its “undercutting enforcement of the law” and its “undermining the Bureau’s independence. [read post]
30 Aug 2018, 8:03 am
Consumer Financial Protection Bureau, by Sarah Harrington, Goldstein & Russell, P.C. [read post]
