Searching Content indexed under Consumer Protection by Melanie Brody ordered by Published Date Descending.
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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
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
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
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
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
New York Revives Rescinded Fair Lending Policy On Indirect Auto Lending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
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
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
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
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
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
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
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
CFPB Calls for Comment on Alternative Data
The Consumer Financial Protection Bureau ("CFPB") announced a Request for Information ("RFI") about alternative data on February 16, 2017, seeking insights into the benefits and risks of using unconventional financial data in assessing a consumer's creditworthiness.
United States
20 Feb 2017
Redlining Revelations: DOJ Lawsuit Alleges Discriminatory Practices By Bank
The DOJ is seeking damages for aggrieved persons, civil money penalties, and injunctive relief.
United States
19 Jan 2017
CFPB Publishes Updated Small Entity Compliance Guide For Mortgage Servicing Rules
The existing guide is still relevant for compliance before the new amendments take effect.
United States
5 Dec 2016
CFPB Enters The Fray: Agency Solicits Information About "Screen Scraping"
On November 17, 2016, the CFPB announced a request for information to better understand the benefits and risks associated with market developments that rely on access to consumer financial records.
United States
21 Nov 2016
CFPB Sends Warning Letters Regarding HMDA Reporting
Today, the Consumer Financial Protection Bureau (CFPB) announced that it is sending warning letters to 44 mortgage lenders and mortgage brokers
United States
27 Oct 2016
CFPB To Publish Servicing Rule; Requirements Effective October 19, 2017
The Consumer Financial Protection Bureau has offered its new mortgage servicing rule for public inspection today, meaning it is scheduled to be published in the Federal Register on October 19, 2016.
United States
19 Oct 2016
Servicing With A Smile Comes At A Cost—What Servicers Should Know About The CFPB's New Servicing Rule
On August 4, 2016, the Consumer Financial Protection Bureau issued a comprehensive 900-page final rule that amends the mortgage servicing rules under the Real Estate Settlement Procedures Act.
United States
29 Sep 2016
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