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Legal Challenges to Small-Business ‎Data Collection Rule Dwindle as Texas Court Sides With CFPB

On August 26, 2024, a federal district court for the Southern District of Texas granted summary judgment in the Consumer Financial Protection Bureau’s favor and rejected a challenge to the CFPB’s Final Rule regarding section...more

Supreme Court’s Two Arbitration ‎Opinions Prohibit Dismissal of Case Pending Arbitration and ‎Require Court to Assess Conflicting...

The Supreme Court recently issued a pair of unanimous decisions clarifying how arbitration clauses impact litigation. One decision restricts a court’s discretion to dismiss—rather than stay—litigation after ordering the...more

Updated: CFPB Extends Sec. 1071 Compliance Deadlines After Surviving Community Financial

UPDATE: Minutes after the below QuickStudy was published, the CFPB declared that it will issue an interim final rule to extend compliance deadlines for the Final Rule. The earliest compliance date will be extended from...more

Texas Federal Court Enjoins ‎the CFPB’s ECOA Data-Collection Rule for All ‎Covered Institutions

On October 26, 2023, the Southern District of Texas entered a nationwide injunction staying the Consumer Financial Protection Bureau’s recent Final Rule regarding data collection for commercial lenders under the Equal Credit...more

Supreme Court Reinvigorates Forum ‎Shopping in Mallory v. Norfolk Southern Railway Co.‎

On June 27, 2023, the Supreme Court in Mallory v. Norfolk Southern Railway Co., 600 U.S. ___ (2023) substantially broadened (at least temporarily) the bases for general personal jurisdiction over out-of-state corporations in...more

Why Pausing CFPB Small Biz Lending Rule May Be Prudent

Rio Bank, the American Bankers Association and the Texas Bankers Association have sued the Consumer Financial Protection Bureau and have moved for preliminary injunctive relief to suspend the CFPB's recent final rule...more

Texas and American Bankers ‎Associations Sue CFPB to Invalidate ‎Final Rule Amending the ‎ECOA, Seek Preliminary Injunction

On May 14, 2023, the American Bankers Association joined a lawsuit filed by the Texas Bankers Association and a Texas bank, suing the Consumer Financial Protection Bureau to obtain a declaratory judgment invalidating the...more

Illinois Legislature Introduces Bill to ‎‎Adopt TILA-Style ‎Commercial Lending Disclosures

On February 10, 2023, the Illinois General Assembly introduced the “Small Business Truth in Lending Act”, which would require lenders to make TILA-like disclosures for small business commercial loans. If passed, Illinois...more

In Re Grand Jury: U.S. Supreme Court ‎Punts on How to Apply Attorney-Client Privilege to ‎Dual-‎Purpose Communications

On January 23, 2023, the U.S. Supreme Court dismissed In re Grand Jury, which had asked it to expand the scope of attorney-client privilege protection for dual-purpose communications, i.e., communications (particularly those...more

CFPB’s Proposed Rule Would Register ‎and Publish Waiver Provisions Used by Nonbanks in ‎Consumer ‎Contracts

On January 11, 2023, the Consumer Financial Protection Bureau proposed a rule that would require certain nonbanks to disclose provisions in form contracts that waive consumer rights. The CFPB would then make those terms...more

New York Opens Significant New ‎Lending Market by Authorizing Reverse Mortgages Secured ‎by ‎Co-Op Apartments‎

The law does not take effect until mid-2022 and is subject to regulations to be promulgated by the ‎New ‎York Department of Financial Services. ‎ On December 1, 2021, New York Governor Kathy Hochul signed into law a bill...more

Colorable Entitlement: Third District of Florida Confirms That an Evidentiary Hearing Is Not Required to Deny a Motion to Vacate...

On September 15, 2021, Locke Lord obtained an opinion in Florida’s Third District Court of Appeal ‎matter affirming the denial of a motion to vacate a final judgment of foreclosure. In affirming the ‎denial, the Third...more

Taking Stock of Non-Monetary Settlement Provisions

Since the passage of the California Consumer Privacy Act and because of the continued interest in the Illinois Biometric Information Privacy Act, there has been a focus on the amount of money class members may expect to...more

New York to Impose New Foreclosure, Loss Mitigation, and Reporting Requirements for Home Equity Conversion Mortgages

On December 15, 2020, New York Governor Andrew Cuomo signed into law Senate Bill 4408, which amends the Real Property Law by adding a new section 280-d. The amendment will become effective on April 14, 2021, and the...more

When Half a Billion Dollars is Not Enough: What the Facebook Settlement Can Teach Us

On July 23, 2020, the U.S. District Court for the Northern District of California signaled that a $650 million settlement of claims against Facebook, Inc. for alleged violations of the Illinois Biometric Information Privacy...more

Beyond Borders: COVID-19 Highlights the Potential Widespread Impact of the Illinois Biometric Information Privacy Act (“BIPA”)

The COVID-19 pandemic created a new normal for Americans—one where family members of all ages work and go to school from home. Businesses and schools have turned to technology to facilitate remote work and e-learning. ...more

Biometrics: Illinois Supreme Court Allows No-Injury Biometric Information Privacy Act Claims in Complete Victory for Plaintiffs'...

On January 25, 2019, the Illinois Supreme Court held that plaintiffs can assert claims and recover statutory damages under Illinois’s Biometric Information Privacy Act (BIPA) based on a bare violation of the statute without...more

Home Depot U.S.A. v. Jackson: U.S. Supreme Court Confirms Counterclaim and Third-Party Defendants Cannot Remove Cases to Federal...

The U.S. Supreme Court in Home Depot U. S. A., Inc. v. Jackson, No. 17-1471, 2019 WL 2257158 (U.S. May 28, 2019) held that a third-party defendant first named in a counterclaim cannot remove cases under either the general...more

Lamps Plus: U.S. Supreme Court Further Limits Class Arbitration

On April 24, 2019, the U.S. Supreme Court held that ambiguous arbitration provisions cannot be used to compel class arbitration. Lamps Plus v. Varela, No. 17-988, 2019 WL 1780275 (April 24, 2019). This 5-4 decision expands on...more

Biometrics: Illinois Supreme Court Allows No-Injury Biometric Information Privacy Act Claims in Complete Victory for Plaintiffs’...

On January 25, 2019, the Illinois Supreme Court held that plaintiffs can assert claims and recover statutory damages under Illinois’s Biometric Information Privacy Act (“BIPA”) based on a bare violation of the statute without...more

Biometrics: Illinois Appellate Court Potentially Revives “No-Injury” Lawsuits Under The Biometric Information Privacy Act.

On September 28, 2018, an Illinois Appellate Court issued an opinion that will likely increase class-action filings under Illinois’s Biometric Information Privacy Act (“BIPA”). ...more

“Debt Collector” Or “Enforcer of Security Interest”— That Is The Question; Supreme Court To Answer Next Term.

On June 28, 2018, the United States Supreme Court granted certiorari in Obduskey v. McCarthy & Holthus LLP, No. 17-1307. In doing so, the Court decided to resolve a circuit split and further clarify what constitutes debt...more

China Agritech, Inc. v. Resh: Supreme Court Stops Potentially Never-Ending Statute of Limitations, Finds American Pipe Does Not...

The U.S. Supreme Court in China Agritech v. Resh, 2018 WL 2767565 (June 11, 2018) ruled that the American-Pipe doctrine—under which filing a class action tolls the statute of limitations for later-filed individual claims—does...more

Biometrics: Illinois Supreme Court to Decide Whether Injury is Required for Biometric Information Privacy Act Claims

On May 30, 2018, the Illinois Supreme Court accepted an appeal from an Illinois appellate court’s decision rejecting “no-injury” lawsuits under Illinois’s Biometric Information Privacy Act (“BIPA”) [Dkt. No. 123186]. The...more

Biometrics: California Federal Court in Facebook Case Certifies First Class In Illinois Biometric Information Privacy Act Case,...

On April 16, 2018, a California federal court certified a class of individuals suing Facebook for violating Illinois’s Biometric Information Privacy Act, paving the way for potentially billions of dollars in statutory...more

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