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’s Rule to Limit Credit Card Late Fees Effective May 14

CFPB Increases Focus on Mortgage Loan Closing Costs

Wyoming Enacts Law Governing Notice to Lienholders of Towed Vehicles

Virginia Revises Common Interest Community Foreclosure Laws

Utah Requires New Disclosure by Credit Services Organizations

New York AG Sues Companies and Individuals over Alleged Illegal Small Business Financing Scheme

CFPB Finalizes Rule to Limit Late Fees on Credit Cards

Texas Finance Commission Amends Credit Access Business Rules

New Hampshire Enacts Comprehensive Consumer Data Privacy Law

Washington Legislature Passes Predatory Loan Prevention Act

CFPB Issues Its First Risk-Based Supervision Order

House Financial Services Committee Chairman Reintroduces Financial Services Innovation Act

FTC Announces Tentative Agenda for PrivacyCon Event

Missouri Department of Revenue Sets Maximum Dealer Administrative Fee

CFPB Issues Circular on How Comparison-Shopping Tools Can Violate CFPA

Hudson Cook Insights

Today's Trends in Credit Regulation

New York Amends Credit Card Surcharge Statute

By Jay Harris, Thomas P. Quinn, Jr., and Ryan Stinneford

As the Kansas City Chiefs were winning the big game, New York made a big change to its law governing credit card surcharges.

While definitions of the term may vary, a "surcharge" is generally understood to mean a higher price that applies when a consumer uses a credit card instead of paying in cash. article continued

Breaking Barriers: Language Access Programs and the New Landscape for Businesses

By Charles F. Dodge, Jr., Jason F. Esteves, and Gabriela I. Chambi

Hoy en día, en los Estados Unidos, el número de personas que habla el español u otro idioma que no sea inglés está creciendo rápidamente. De acuerdo al Censo de los Estados Unidos, unos 68 millones de personas no hablan inglés en sus casas. article continued

CFPB Bites of the Month - February 2024 - "I Got You, CFPB".

By Justin B. Hosie, Eric L. Johnson and Laura J. Bacon

In this month's article, we share some of our top "bites" covered during the February 2024 webinar. article continued

Arkansas Limits Use of License Plate Readers for Repossession

By Clayton C. Swears

Recovering collateral after default is rarely easy. In addition to the physical and practical difficulties of repossession, compliance is often a costly and complex issue. And, as is often the case, technological innovations that help with the practical piece may unfortunately implicate the compliance piece. article continued

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