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Searching Content by Melanie Brody ordered by Published Date Descending.
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1
Prospect For Innovation Or Dust From The Litterbox? The Public Sifts Through Product Sandbox
A catastrophic end to consumer protection to some, and a long overdue attempt to reconcile law with technology to others, former CFPB Acting Director Mick Mulvaney's parting gift stirred up the financial services industry.
United States
18 Mar 2019
2
Third Circuit Holds That Debt Purchasers Can Qualify As Debt Collectors
On February 22, the Third Circuit sidestepped the Supreme Court's 2017 holding in Henson v. Santander Consumer USA Inc. and found that a purchaser of defaulted debt ...
United States
12 Mar 2019
3
An Unconventional Circular Letter: NYDFS Provides The Nation's First Directive On The Proper Use Of Unconventional And Alternative Data
Last month, the New York State Department of Financial Services became the first US regulator to impose specific, substantive requirements on the use of "unconventional sources or types of external data" in financial services.
United States
20 Feb 2019
4
How Appealing: OCC Ombudsman Shuts Down Appeal Of Fair Lending Referral
Possibly hinting toward a revival of fair lending enforcement following a recent lull.
United States
16 Jan 2019
5
Bureau Proposes Improvements To Its No-Action Letter Process And A New Product Sandbox
Innovative companies face stiff challenges when trying to comply with moribund US consumer protection rules that have not kept pace with technological advancements in the financial services industry.
United States
4 Jan 2019
6
Consumer Groups Sue Connecticut Bank For Allegedly Redlining
Federal redlining enforcement has waned in recent years, but redlining risk has not disappeared. On October 4, two consumer advocacy groups ...
United States
17 Oct 2018
7
Enforcement Of Controversial Connecticut Law Targeting Motor Vehicle Sales Finance Companies On Hold For Now
To the relief of motor vehicle sales finance companies active in Connecticut, Connecticut Banking Commissioner Jorge L. Perez ...
United States
17 Oct 2018
8
New York Reins In The Use Of Automobile Kill Switches
On October 2, 2018, New York Governor Andrew Cuomo signed into law legislation limiting the use of remote disabling devices by automobile lenders.
United States
11 Oct 2018
9
New York Revives Rescinded Fair Lending Policy On Indirect Auto Lending
The recent rollback of Obama-era fair lending enforcement does not mean that fair lending risk has disappeared.
United States
12 Sep 2018
10
BCFP's Latest Supervisory Highlights
The Summer 2018 edition of Supervisory Highlights –the first one the BCFP has issued under Mick Mulvaney's leadership – is much the same as previous editions.
United States
12 Sep 2018
11
State Attorneys General Blast BCFP's Rumored Plan To "Reexamine" Disparate Impact Under ECOA
On September 5, 2018, a coalition of 14 state attorneys general, led by North Carolina's attorney general, Josh Stein, wrote to Acting BCFP Director Mick Mulvaney to express "grave concerns" that the BCFP may seek to abandon the federal government's longstanding position that ECOA provides for disparate impact liability.
United States
11 Sep 2018
12
If Only: US Treasury Department Report Creates A Wish Tree Of Financial Reform For Fintech
Regardless of whether its recommendations are achievable in whole or in part or merely aspirational, the US Department of Treasury's ("Treasury") report issued on July 30, 2018...
United States
10 Sep 2018
13
Key Takeaways From The Fed's July 2018 Consumer Compliance Supervision Bulletin
On July 26, 2018, the Federal Reserve Board ("FRB") announced the launch of a new publication called the Consumer Compliance Supervision Bulletin.
United States
7 Aug 2018
14
Treasury Report On Fintech Regulation
On July 30, 2018, the U.S. Department of the Treasury issued its much-anticipated report on reshaping Fintech regulation.
United States
6 Aug 2018
15
HUD Seeks Public Comment On Disparate Impact Rule
On June 20, the U.S. Department of Housing and Urban Development published an advance notice of proposed rulemaking that seeks public comment on whether and how to amend its 2013 rule under the Fair Housing Act.
United States
2 Jul 2018
16
Trump DOJ Settles Its First Redlining Case
On May 8, 2018, the United States Department of Justice and KleinBank reached a settlement agreement resolving allegations that the bank engaged in mortgage lending discrimination by failing to adequately serve ...
United States
14 May 2018
17
The Uncertain Future Of Fair Lending Enforcement At Mick Mulvaney's CFPB
Since the Consumer Financial Protection Bureau's inception in 2011, the Office of Fair Lending and Equal Opportunity has been a powerful force within the agency.
United States
5 Feb 2018
18
CFPB Issues Two HMDA-Related Items
Yesterday, the CFPB issued two HMDA-related items – a final rule amending federal Regulation B's information collection provisions and a proposed policy document addressing which HMDA data fields...
United States
25 Sep 2017
19
CFPB Issues No-Action Letter To Alternative Credit Lending Platform
The Consumer Financial Protection Bureau ("CFPB") has issued its first No-Action Letter ("No-Action Letter" or "Letter") in response to a request from Upstart Network, Inc. ("Upstart").
United States
19 Sep 2017
20
PHH, CFPB, and DOJ Tangle over Constitutionality of the Bureau
The long awaited en banc oral argument in the PHH v. CFPB appeal was heard this morning. Based upon the questions asked by the judges, and with the caveat that such questioning is not always an indicator of how a court will rule, it seems likely that the D.C. Circuit will not find the CFPB to be unconstitutionally structured.
United States
25 May 2017
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