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Consumer Credit
Australia
Herbert Smith Freehills
Consumer credit providers in Australia have been eagerly awaiting ASIC's updated regulatory guide on the responsible lending laws (RG 209), which landed on 9 December 2019
Worrells Solvency & Forensic Accountants
Article discusses how ASIC is concerned for the risk to consumers creating or exacerbating debt through new B-N-P-L options.
Worrells Solvency & Forensic Accountants
The premise of these arrangements allows consumers to obtain goods/services immediately and to pay for them over time.
Canada
Gowling WLG
Can a consumer enter into a valid credit contract online under Quebec consumer law? Spoiler: The answer is yes.
European Union
GANADO Advocates
On the 19th of December 2019 (C290-19), the European Court of Justice (ECJ or the Court) gave its interpretation by virtue of a preliminary ruling on the interpretation of Article 10
Ireland
Matheson
The Minister for Finance has announced Government approval to draft legislation to provide that all firms which offer personal contract plan ("PCP"),
Malta
GANADO Advocates
Following an early repayment of their loans, the consumers had assigned to Lexitor, a company governed by Polish law, their claims against the banks relating to the early repayment of the loans.
New Zealand
Duncan Cotterill
All lenders of consumer credit in New Zealand need to review and update documentation and procedures by 1 June 2020.
Duncan Cotterill
This act introduces some significant changes which will affect all lenders providing consumer credit in New Zealand.
South Africa
Tabacks
What are we to expect from the Amendments to the National Credit Act 34 of 2005, will this negatively impact the banking industry and how will government look to implement the Amendments?
United States
Cadwalader, Wickersham & Taft LLP
U.S. Representatives Rashida Tlaib (D-MI) introduced H.R. 3622 - Restoring Unfairly Impaired Credit and Protecting Consumers Act to amend the Fair Credit Reporting Act
Seyfarth Shaw LLP
In June 2016, Plaintiff Freshta Nayab discovered that a banking institution had made several inquiries on her Experian credit report.
Cadwalader, Wickersham & Taft LLP
In 2020, the protections of Regulations Z and M will apply to consumer credit transactions and consumer leases of $58,300 or less.
Morrison & Foerster LLP
As expected, California has enacted legislation imposing interest rate caps on larger consumer loans. The new law, AB 539, imposes other requirements relating to credit reporting
Mayer Brown
We expect market participants to use the data provided by the CFPB in the report as a benchmark for evaluating performance and regulatory trends for credit card programs.
Morrison & Foerster LLP
On August 27, 2019, the Consumer Financial Protection Bureau (CFPB or Bureau) released its fourth biennial report on the consumer credit card market (2019 Report or Report)
BakerHostetler
Vineyard Vines accused of including customer expiration date on receipt.
Cadwalader, Wickersham & Taft LLP
The FTC obtained injunctions against a corporation and it's CEO for, among other things, telemarketing violations concerning the National Do Not Call Registry.
Lewis Brisbois Bisgaard & Smith LLP
But the FCRA is, at least in some jurisdictions, not the only game in town
Cadwalader, Wickersham & Taft LLP
The FTC adoption of several rules that will require nationwide consumer reporting agencies ("CRAs") to provide a free electronic credit monitoring service to active-duty military consumers
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