Searching Content indexed under Consumer Credit by Morrison & Foerster LLP ordered by Published Date Descending.
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CFPB Releases Fourth Report On The Consumer Credit Card Market
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)
United States
6 Sep 2019
Treatment Of Educational ISAs Under Federal And Select State Anti-Discrimination Statutes
In an earlier paper, we considered whether ISAs should be subject to federal consumer credit statutes, including the Truth in Lending Act ("TILA")
United States
20 Aug 2019
CFPB Initiates Fourth Review Of The Consumer Credit Card Market
On January 31, 2019, the Consumer Financial Protection Bureau (CFPB or Bureau) published a Request for Information (2019 RFI) ...
United States
7 Feb 2019
CFPB Requests Information On Supervision Processes
On February 14, 2018, the CFPB issued a Request for Information seeking comments on improvements to the CFPB's supervision program and "how best to achieve meaningful burden reduction."
United States
22 Feb 2018
CFPB's Third Request For Information Broadly Seeks Feedback On Enforcement
In its third Request for Information to "ensure the Bureau is fulfilling its proper and appropriate functions to best protect consumers," the Consumer Financial Protection Bureau seeks comments...
United States
9 Feb 2018
PHH v. CFPB: Beyond The Headlines, A Big Win For Industry
There was something for everyone in yesterday's long-awaited decision from the en banc D.C. Circuit in PHH Corp. v. CFPB.
United States
2 Feb 2018
CFPB Releases The 2017 CARD Act Report: Early Takeaways From The New CFPB's First Report On The Consumer Credit Card Market
Yesterday, the Consumer Financial Protection Bureau ("CFPB" or "Bureau") released its biennial report on the consumer credit card market ("2017 Report" or "Report"), which summarizes its views...
United States
4 Jan 2018
A First Time for Everything—CFPB Issues Its First No-Action Letter
The CFPB recently announced the issuance of its first no-action letter ("NAL") to Upstart Network, Inc., an online lending platform that uses alternative data to model consumer credit decisioning and pricing.
United States
27 Sep 2017
CFPB And Card Issuers Resolve ECOA Action Involving Cards Offered In U.S. Territories And Cardholders With Spanish Language Preference
On August 23, 2017, the CFPB announced the resolution of an administrative action under the Equal Credit Opportunity Act and its implementing regulation...
United States
7 Sep 2017
Court Finds CFPB Case Against Payment Processor Lacking
On March 17, 2017 the United States District Court for the District of North Dakota granted the motion of Intercept Corporation and its senior executives to dismiss the complaint filed almost a year ago by the CFPB.
United States
30 Mar 2017
RESPA Two-Step: CFPB Shows Continued Expansive Interpretation Of Section 8
On January 31, 2017, the Consumer Financial Protection Bureau announced a Consent Order with a mortgage lender and certain of its affiliates ("Lender").
United States
14 Mar 2017
CFPB Makes FinTech Headlines
The Consumer Financial Protection Bureau (the "CFPB" or "Bureau") made headlines in FinTech on October 24, 2016.
United States
9 Nov 2016
CFPB Hit By Major Setback In D.C. Circuit
In a decision eagerly awaited by the financial services industry, the D.C. Circuit this week handed the Consumer Financial Protection Bureau (CFPB) a major defeat...
United States
20 Oct 2016
D.C. Circuit Rules CFPB Unconstitutional, And Wrong On RESPA
The D.C. Circuit held that the single-director structure of the CFPB violates Article II of the United States Constitution, and added important substantive rulings on the Real Estate Settlement Procedures Act.
United States
19 Oct 2016
CFPB Forgoes Traditional Rulemaking Process In Announcing That The Equal Credit Opportunity Act And Regulation B Prohibit Discrimination Based On Gender Identity And Sexual Orientation
Richard Cordray, director of the CFPB, issued a letter expressing the CFPB's views on whether credit discrimination on the basis of gender identity and sexual orientation violates the ECOA and Regulation B.
United States
17 Oct 2016
CFPB Finalizes Sweeping Prepaid Account Rule
On October 5, 2016, the Consumer Financial Protection Bureau ("CFPB") issued its long-awaited final rule to further regulate prepaid card products, or "prepaid accounts".
United States
14 Oct 2016
CFPB And California Announce Enforcement Actions Against Online Lender
The CFPB and the California DBO announced separate enforcement actions against Flurish, Inc., an online lender that does business as "LendUp" in California and two dozen other states.
United States
29 Sep 2016
CFPB Levies Largest Civil Money Penalty In Agency History, Alleges "Abusive" Conduct
On September 8, 2016, the CFPB, the OCC and the City and County of Los Angeles entered into a Consent Order with Wells Fargo, with civil money penalties totaling $185 million.
United States
13 Sep 2016
CFPB, OCC, And Federal Reserve Propose Clarifications To Small Loan Exemption From HPML Appraisal Requirements
On August 4, 2016, the Consumer Financial Protection Bureau, the "OCC", and the Board of Governors of the Federal Reserve System jointly published in the Federal Register a notice of proposed rulemaking.
United States
9 Sep 2016
What You Need To Know Now About The CFPB's Debt Collection Proposal
On July 28, 2016, the Consumer Financial Protection Bureau ("CFPB" or "Bureau") issued its outline of proposals under consideration for the regulation of debt collection.
United States
10 Aug 2016
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