United States: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

VA Announces Launch Of New Partial Claim Program To Help Protect Veterans From Foreclosure With VA Home Loans

Congress has passed legislation to reauthorize partial claims with VA-guaranteed home loans, providing relief options for veterans facing foreclosure. The VA has announced implementation timelines for servicers to integrate this program into their systems, with the program opening for submissions in mid-2026.

United States Consumer

BS

Ballard Spahr LLP

CFPB Sued Over Fair Lending Rule Under Equal Credit Opportunity Act

Nonprofit and for-profit organizations have filed suit against the Consumer Financial Protection Bureau challenging its final rule that eliminates disparate impact liability under the Equal Credit Opportunity Act...

United States Consumer

MB

Mayer Brown

Consumer Finance Monitor Podcast Ranks Among The Top Business And Financial Services Podcasts In The Nation And Number One In Pennsylvania

We are proud to announce that podcast database service Million Podcasts has ranked Ballard Spahr’s Consumer Finance Monitor podcast among the top business and financial services podcasts in the country.

United States Finance

BS

Ballard Spahr LLP

Round Two In Cantero: New Cert Petition Seeks Supreme Court Resolution Of Mortgage Escrow Interest Circuit Split Regarding National Bank Act Preemption

As recently predicted in our May 8, 2026 blog, a new cert petition was filed on May 22, 2026 in Cantero v. Bank of America, asking the U.S. Supreme Court to revisit, again, the increasingly important question...

United States Finance

BS

Ballard Spahr LLP

California Set To Launch Business And Consumer Services Agency In July

United States Consumer

FK

Frankfurt Kurnit Klein & Selz

Maryland Prohibits Tipping In Earned Wage Access Programs

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

NYDFS Says Disparate Impact Remains In Effect

United States Finance

BS

Ballard Spahr LLP

Almost One-Third Of Insured Americans Still Accumulating Medical Debt

United States Healthcare

HB

Hall Benefits Law

CFPB Final Rule Revises ECOA Framework, Narrows Disparate Impact And Discouragement Standards

United States Finance

GT

Greenberg Traurig, LLP

CFPB Scales Back The Small Business Credit Data Collection Rule - But Also Indicates Future Expansion Is Possible

United States Finance

MV

Moore & Van Allen

Wiley Consumer Protection Download (May 19, 2026)

United States Consumer

WR

Wiley Rein

President Trump Signs Executive Order Directing Federal Financial Regulators To Address Risks To US Financial System Presented By Customer Immigration Status

United States Finance

MB

Mayer Brown

CFPB Narrows Small Business Lending Rule

United States Finance

GP

Goodwin Procter LLP

Debt Sales 101 Mini-Series — Episode 6: After The Close: Compliance, Oversight, And Ongoing Risk (Podcast)

United States Finance

BS

Ballard Spahr LLP

Federal Court Vacates $100K H-1B Payment Requirement

United States Immigration

FL

Fennemore

U.S. Supreme Court Narrows Government-Contractor Defense – What Federal Construction And Infrastructure Contractors Must Know

United States Government

DM

Duane Morris LLP

What Ebola Outbreaks Mean To U.S. Businesses

United States Employment

DM

Duane Morris LLP

Tennessee Limits Non-Compete Agreements With Lower Compensated Employees While Presuming That Restrictive Covenants Of Up To Two Years Are Reasonable In Duration

United States Employment

CL

Carter Ledyard & Milburn

New Laws Are Changing Connecticut Employers’ Pay, Accommodation, AI Obligations In ’26/27

United States Employment

JL

Jackson Lewis P.C.

Today’s Podcast Episode: Debt Sales 101 Mini-Series — Episode 6: After The Close: Compliance, Oversight, And Ongoing Risk

In the final episode of our Debt Sales 101 mini-series, we focus on what happens after a debt sale closes and how sellers manage ongoing compliance, oversight, and risk.

United States Finance

BS

Ballard Spahr LLP

CFPB’s Final Rule Recalibrates Fair Lending Enforcement: A Return To Clarity And Core Statutory Principles

On April 22, 2026, the Consumer Financial Protection Bureau (CFPB), under Acting Director Russell Vought, issued a significant final rule reshaping the agency’s approach to fair lending enforcement...

United States Finance

BS

Ballard Spahr LLP

CFPB Substantially Scales Back Section 1071 Small Business Lending Rule And Resets Compliance Timeline

The Consumer Financial Protection Bureau has issued a final rule substantially narrowing the scope of small business lending data collection requirements under Section 1071 of the Equal Credit Opportunity Act.

United States Finance

SJ

Steptoe LLP

Introducing The Institute For Consumer Financial Choice: A New Voice For Research, Policy, And Consumer Choice

At a time when consumer financial regulation is both rapidly evolving and deeply contested, the launch of the Institute for Consumer Financial Choice (ICFC) represents a significant and timely development.

United States Consumer

BS

Ballard Spahr LLP

CFPB Revised Fair Lending Enforcement Framework Under ECOA

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

NYDFS Reaffirms State Fair Lending Obligations

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Michigan Court Grants Final Approval To Debt Collection Interest-Rate Settlement

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

Today’s Podcast Episode: Debt Sales 101 Mini-Series — Episode 3: Who Buys Debt And How Deals Are Structured

United States Finance

BS

Ballard Spahr LLP

Debt Sales 101 Mini-Series — Episode 3: Who Buys Debt And How Deals Are Structured (Podcast)

United States Finance

BS

Ballard Spahr LLP

FTC Blog Updates (April 13 – 17, 2026)

United States Consumer

CM

Crowell & Moring LLP

Mortgage Banking Update - April 16, 2026

United States Finance

BS

Ballard Spahr LLP

FTC Moves To Halt Alleged Student Loan Debt Relief Operation

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Impacts Of Maine’s New Shared Appreciation Mortgage Loan Law

United States Finance

BA

Bradley Arant Boult Cummings LLP

Maine Passes Law To Regulate Home Equity Investment Contracts

United States Real Estate

MB

Mayer Brown

Mortgage Banking Update - April 16, 2026

Ballard Spahr's Consumer Financial Services Group provides comprehensive analysis of the latest regulatory developments affecting mortgage banking and consumer finance, including CFPB workforce restructuring, state DIDMCA opt-outs, debanking regulations, and emerging payment technologies. The newsletter features expert insights on enforcement priorities, compliance obligations, and strategic implications for financial institutions navigating an evolving regulatory landscape.

United States Finance

BS

Ballard Spahr LLP

FTC Moves To Halt Alleged Student Loan Debt Relief Operation

The FTC has obtained a temporary restraining order against a debt relief operation accused of targeting consumers seeking student loan relief through deceptive marketing practices. The enforcement action alleges the company misrepresented its ability to secure loan forgiveness, falsely implied government affiliation, and charged prohibited upfront fees while instructing consumers to stop making loan payments.

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Impacts Of Maine’s New Shared Appreciation Mortgage Loan Law

Maine's new shared appreciation mortgage loan law imposes comprehensive restrictions on lenders and servicers, including limitations on loan terms, mandatory borrower counseling, and strict disclosure requirements.

United States Finance

BA

Bradley Arant Boult Cummings LLP

Maine Passes Law To Regulate Home Equity Investment Contracts

Maine has enacted groundbreaking legislation regulating home equity investments (HEIs) and shared appreciation mortgage loans, imposing strict licensing requirements, contract restrictions, and consumer protections. The law requires homeowners to obtain independent legal counsel and HUD-approved counseling before entering these agreements. How will these comprehensive regulations reshape the HEI market and what challenges will providers face in complying with Maine's new framework?

United States Real Estate

MB

Mayer Brown

Payday And Small-Dollar Lending

United States Consumer

GP

Goodwin Procter LLP

Mortgage Banking Update - March 19, 2026

March 19 – Read the newsletter below for the latest Mortgage Banking and Consumer Finance industry news, written by Ballard Spahr attorneys. In this issue, our lawyers discuss the SHIELD...

United States Finance

BS

Ballard Spahr LLP

Credit Card Rate Caps And The Credit Card Competition Act: The Right Problem, The Wrong Tools? (Podcast)

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now...

United States Finance

BS

Ballard Spahr LLP

Florida District Court Upholds CFPB's Residential PACE Rule

On February 12, the U.S. District Court for the Middle District of Florida upheld the CFPB's final rule applying mortgage-style requirements to Residential Property Assessed Clean Energy...

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

Moving Forward To The Past

Now, at least in the Fifth Circuit, so long as a business has a consumer's prior express consent, written or not, it may place any type of prerecorded message call to the consumer.

United States Media & IT

SJ

Steptoe LLP

The Consumerization Of Small Business Lending: Federal And State Regulations Accelerate (Podcast)

United States Finance

BS

Ballard Spahr LLP

Credit Bureau Pulls In Employment: State Law Limitations And Their Effect On Motor Vehicle Records

United States Employment

FB

FBT Gibbons

Amended Law Bans Use Of Credit Checks In Hiring, Managing Employees

United States Employment

GS

Gross Shuman P.C.

New York State Amends Law To Limit Use Of Credit Reports In Employment (Video)

United States Employment

BS

Bond, Schoeneck & King PLLC

Banning Credit Checks In The Workplace: New York's Latest Compliance Challenge

United States Employment

M

Mintz

New York Employers Beware: Credit Checks Are Being Banned Statewide

United States Employment

FH

Ford & Harrison LLP

Trump Signals Credit Card Interest Rate Cap And Backs Credit Card Competition Act Of 2026

United States Consumer

SM

Sheppard, Mullin, Richter & Hampton LLP

Ringing In The New Year For New York Employers: What's Next For Compliance In 2026?

United States Employment

DM

Duane Morris LLP

New York Is The Eleventh State To Restrict Employers' Use Of Credit History

United States Employment

LM

Littler Mendelson

ACA Files Suit Challenging Colorado Law That Omits Medical Debts From Credit Reports

United States Finance

BS

Ballard Spahr LLP

FTC Permanently Bans Small-Business Financing Firm And CEO For Alleged UDAP And Telemarketing Violations

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

New Concerns For Bank Fintech Partnerships: 10th Circuit's DIDMCA Decision Is The First Ripple In An Anticipated Wave

United States Finance

KM

Katten Muchin Rosenman LLP

Colorado's Attack On State-Bank Lending Partnerships Gets New Life

United States Consumer

MP

Manatt, Phelps & Phillips LLP

Colorado's Medical Debt Reporting Law Challenged In Federal Court

United States Finance

SM

Sheppard, Mullin, Richter & Hampton LLP

West Virginia Federal Court Certifies Class Action Challenging "Pay-To-Pay" Fees

United States Litigation

SM

Sheppard, Mullin, Richter & Hampton LLP

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Latest Videos

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New York State Amends Law To Limit Use Of Credit Reports In Employment (Video)

BS

Bond, Schoeneck & King PLLC

Consumer Credit In Focus—DP 25/2 Mortgage Rule Review: The Future Of The Mortgage Market (Podcast)

AO

A&O Shearman

Changing The Landscape Of Private Credit Deals (Video)

PR

Proskauer Rose LLP

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