For the latest installment of our series of practical insights on emerging Federal Trade Commission (FTC) consumer protection and data privacy priorities, we discuss coverage and requirements under the Fair Credit Reporting...more
8/21/2025
/ Class Action ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Privacy Rights ,
Consumer Protection Laws ,
Consumer Reporting Agencies ,
Consumer Reports ,
Data Brokers ,
Data Privacy ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
Federal Trade Commission (FTC) ,
Regulatory Requirements
As part of our series to provide practical insights into emerging Federal Trade Commission (FTC) priority areas for consumer protection and data privacy enforcement, we are taking a deep dive into the Protecting Americans’...more
8/13/2025
/ Compliance ,
Corporate Counsel ,
Cross-Border Transactions ,
Data Brokers ,
Data Privacy ,
Data Protection ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
National Security ,
New Legislation ,
Personal Data ,
Protecting Americans Data from Foreign Adversaries Act (PADFA) ,
Regulatory Requirements ,
Risk Management ,
Sensitive Personal Information
The Federal Communications Commission (FCC) has taken significant steps to institutionalize national security within its regulatory framework through the creation of the Council on National Security (CNS). Chaired by Chairman...more
7/16/2025
/ America First Trade Policy ,
China ,
Communications Act of 1934 ,
Critical Infrastructure Sectors ,
Cyber Espionage ,
Cyber Threats ,
Cybersecurity ,
Enforcement Actions ,
FCC ,
Foreign Adversaries ,
Foreign Investment ,
Intellectual Property Protection ,
National Security ,
Regulatory Reform ,
Risk Management ,
Supply Chain ,
Technology Sector ,
Telecommunications
On June 22, 2025, Texas Governor Greg Abbott signed the Texas Responsible Artificial Intelligence Governance Act (TRAIGA or the Texas AI Act) into law. The new law goes into effect January 1, 2026. The law places obligations...more
6/24/2025
/ Algorithms ,
Artificial Intelligence ,
Biometric Information ,
Corporate Counsel ,
Data Privacy ,
Enforcement ,
Enforcement Actions ,
Governance Standards ,
Government Agencies ,
Governor Abbott ,
Machine Learning ,
New Legislation ,
NIST ,
Privacy Laws ,
Regulatory Requirements ,
State and Local Government ,
State Attorneys General ,
State Privacy Laws ,
Texas
On June 2, the New Jersey Division of Consumer Affairs (Division) published proposed regulations to implement the New Jersey Data Privacy Act (NJDPA). Of note, these rules were proposed months after the NJDPA went into effect...more
6/17/2025
/ Comment Period ,
Compliance ,
Consumer Privacy Rights ,
Corporate Counsel ,
Data Privacy ,
Data Protection ,
Data Protection Impact Assessments (DPIAs) ,
New Jersey ,
Notice Requirements ,
Personal Data ,
Proposed Legislation ,
Proposed Rules ,
Regulatory Requirements ,
State Privacy Laws
The Federal Communications Commission (FCC) has proposed adding certain connected vehicle technologies to its list of equipment and services covered By Section 2 of the Secure Networks Act – an unprecedented step that, if...more
6/16/2025
/ Automotive Industry ,
Bureau of Industry and Security (BIS) ,
China ,
Connected Cars ,
Executive Orders ,
FCC ,
National Security ,
Proposed Rules ,
Public Safety ,
Russia ,
Supply Chain ,
U.S. Commerce Department
Regulatory Announcements-
FTC Announces MOU with NLRB to Address Employment-Based Consumer Protection Issues. On July 19, the FTC announced that it entered into a memorandum of understanding (MOU) with the National Labor...more
7/26/2022
/ Consumer Financial Protection Bureau (CFPB) ,
Data Collection ,
EFTA ,
Federal Trade Commission (FTC) ,
FTC Act ,
Geolocation ,
Gig Economy ,
Memorandum of Understanding ,
Military Lending Act ,
NLRB ,
Non-Compete Agreements ,
OCC ,
Truth in Lending Act (TILA)
Regulatory Announcements-
CFPB Issues Advisory Opinion on FCRA Permissible Purposes for Providing Consumer Reports. On July 7, the CFPB issued an Advisory Opinion on the Fair Credit Reporting Act (FCRA) that outlines...more
7/12/2022
/ Advertising ,
Advisory Opinions ,
CARD Act ,
Consumer Financial Products ,
Consumer Financial Protection Bureau (CFPB) ,
Convenience Fees ,
Coronavirus/COVID-19 ,
Debt Collectors ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
FDCPA ,
Federal Trade Commission (FTC) ,
Financial Services Industry ,
Fraud ,
FTC Act ,
Internet Marketing ,
Interpretive Rule ,
Minors ,
Money Transfer ,
Notice of Proposed Rulemaking (NOPR) ,
Request For Information ,
Sandbox ,
Telemarketing Sales Rule ,
Wal-Mart
Account security and digital identity have been hot topics for regulators and at the National Institute of Standards and Technology (NIST). The government has been promoting multifactor authentication (MFA) and innovation in...more
7/1/2022
/ Authentication ,
Consumer Privacy Rights ,
Cybersecurity ,
Email ,
Federal Trade Commission (FTC) ,
Financial Institutions ,
Multi-Factor Authentication ,
NIST ,
Online Advertisements ,
Passwords ,
Personal Information ,
Privacy Policy ,
Social Media
The Federal Trade Commission (FTC or Commission) now has a full slate of Commissioners with the confirmation and swearing-in of Commissioner Alvaro Bedoya, who brings an extensive background in privacy issues....more
6/29/2022
/ Algorithms ,
Artificial Intelligence ,
CafePress ,
COPPA ,
Data Collection ,
Data Security ,
Federal Trade Commission (FTC) ,
FTC Act ,
Notice Requirements ,
Personal Information ,
Surveillance
The European Commission has reached a provisional political agreement on two legislative proposals that will upend current rules governing digital services, the Digital Markets Act (DMA) and the Digital Services Act (DSA)....more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). In this newsletter, we analyze recent regulatory...more
6/22/2022
/ Advanced Notice of Proposed Rulemaking (ANPRM) ,
Artificial Intelligence ,
Congressional Reports ,
Consumer Financial Products ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Leasing Act (CLA) ,
Credit Reports ,
CROA ,
Cryptocurrency ,
Debt Collection ,
Department of Veterans Affairs ,
Drug Pricing ,
EFTA ,
Enforcement Actions ,
Fake Reviews ,
Federal Trade Commission (FTC) ,
Financial Services Industry ,
Hate Crimes ,
Military Service Members ,
Misleading Statements ,
No-Action Letters ,
Online Advertisements ,
Pharmacy Benefit Manager (PBM) ,
Popular ,
Request For Information ,
Telemarketing Sales Rule ,
Truth in Lending Act (TILA)
Regulatory Announcements-
CFPB Releases Guidance on ECOA Requirements for Algorithmic Credit-Related Decisions. On May 26, the CFPB published a Consumer Financial Protection Circular addressing creditors’ requirements...more
6/1/2022
/ Algorithms ,
Breach Notification Rule ,
Competition ,
Consumer Financial Protection Act (CFPA) ,
Consumer Financial Protection Bureau (CFPB) ,
COPPA ,
Data Breach ,
ECOA ,
Endorsements ,
Federal Trade Commission (FTC) ,
FTC Act ,
Innovation ,
Notice of Proposed Rulemaking (NOPR) ,
Online Education ,
Substance Abuse ,
Targeted Digital Advertising ,
Twitter
On May 10, 2022, Connecticut became the fifth state in the nation to pass its own omnibus privacy legislation, joining California, Virginia, Colorado, and Utah. While Senate Bill 6, the Personal Data Privacy and Online...more
5/23/2022
/ Attorney General ,
California Privacy Rights Act (CPRA) ,
Connecticut ,
Data Controller ,
Data Privacy ,
Gramm-Leach-Blilely Act ,
Health Insurance Portability and Accountability Act (HIPAA) ,
Opt-Outs ,
Right To Cure ,
Right To Know ,
State Privacy Laws
Alvaro Bedoya Sworn in as FTC Commissioner Following Senate Confirmation. On May 16, Alvaro Bedoya was sworn in as FTC Commissioner. The U.S. Senate confirmed Bedoya to the FTC’s open Commissioner on May 11. ...more
5/17/2022
/ Advisory Opinions ,
Amicus Briefs ,
Automotive Loans ,
Balloon Payments ,
Bank of America ,
California Consumer Privacy Act (CCPA) ,
Consumer Financial Protection Act (CFPA) ,
Consumer Financial Protection Bureau (CFPB) ,
COPPA ,
Coronavirus/COVID-19 ,
Credit Reports ,
CROA ,
Discrimination ,
ECOA ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
Federal Trade Commission (FTC) ,
FinTech ,
Garnishment ,
Injunctive Relief ,
Internet Service Providers (ISPs) ,
Labeling ,
Made in the USA ,
Misleading Statements ,
Popular ,
Senate Confirmation Hearings ,
Technology ,
Telemarketing Sales Rule
Regulatory Announcements-
FTC Holds April 2022 Open Commission Meeting and Launches Rulemaking Proceedings on Telemarketing. On April 28, the FTC held a virtual Open Commission Meeting to consider a Notice of Proposed...more
5/3/2022
/ Advanced Notice of Proposed Rulemaking (ANPRM) ,
AMG Capital Management LLC v FTC ,
Consumer Financial Protection Act (CFPA) ,
Consumer Financial Protection Bureau (CFPB) ,
Department of Justice (DOJ) ,
Do Not Call List ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
Federal Trade Commission (FTC) ,
FinTech ,
FTC Act ,
Misleading Statements ,
Notice of Proposed Rulemaking (NOPR) ,
Senate Committees ,
Telemarketing ,
Telemarketing Sales Rule
As artificial intelligence (AI) becomes increasingly embedded into products, services, and business decisions, state and local lawmakers have been considering and passing a range of laws addressing AI....more
Under federal law, much of the health data recorded from wearable devices, health care applications, and health IoT devices is beyond the reach of the Health Insurance Portability and Accountability Act (HIPAA), which...more
On April 21, 2022, the Federal Communications Commission (FCC or Commission) adopted a Notice of Inquiry on Promoting Efficient Use of Spectrum through Improved Receiver Interference Immunity Performance (NOI or Notice)....more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). In this newsletter, we analyze recent regulatory...more
4/19/2022
/ Advanced Notice of Proposed Rulemaking (ANPRM) ,
Consent Order ,
Consumer Financial Protection Act (CFPA) ,
Consumer Financial Protection Bureau (CFPB) ,
Credit Cards ,
Credit Practices Rule ,
Credit Reporting Agencies ,
ECOA ,
Employee Training ,
False Advertising ,
False Claims Act (FCA) ,
Federal Family Education Loan Program (FFEL) ,
Federal Trade Commission (FTC) ,
For Profit Colleges ,
FTC Act ,
Holder Rule ,
Human Trafficking ,
Labeling ,
Late Fees ,
Made in the USA ,
Popular ,
Telemarketing Sales Rule ,
Unfair or Deceptive Trade Practices
On Wednesday, March 30, the Consumer Financial Protection Bureau (CFPB) announced that it fined student loan servicer Edfinancial Services (Edfinancial) $1 million for allegedly misrepresenting Federal Family Education Loan...more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). In this newsletter, we analyze recent regulatory...more
3/29/2022
/ Abusive Acts ,
Advanced Notice of Proposed Rulemaking (ANPRM) ,
CafePress ,
Consent Agreements ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Review Fairness Act (CRFA) ,
Credit Cards ,
Credit Reports ,
Dietary Supplements ,
E-Cigarettes ,
E-Commerce ,
ECOA ,
Electronic Payment Transactions ,
Fake Reviews ,
False Statements ,
Federal Trade Commission (FTC) ,
FTC Act ,
Gig Economy ,
Horse Racing ,
Money Laundering ,
Sensitive Personal Information ,
Telemarketing Sales Rule ,
Vaping
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). In this newsletter, we analyze recent regulatory...more
2/23/2022
/ Advanced Notice of Proposed Rulemaking (ANPRM) ,
Consumer Financial Protection Bureau (CFPB) ,
Digital Assets ,
EFTA ,
Federal Trade Commission (FTC) ,
Fraud ,
FTC Act ,
Loan Forgiveness ,
Public Service Loan Forgiveness program (PSLF program) ,
Rulemaking Process ,
Scams ,
Social Media ,
Stablecoins ,
Student Loans ,
Telemarketing ,
Telemarketing Sales Rule ,
Unfair or Deceptive Trade Practices
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). In this newsletter, we analyze recent regulatory...more
2/8/2022
/ Advanced Notice of Proposed Rulemaking (ANPRM) ,
Bureau of Consumer Protection ,
Consumer Financial Products ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Reporting Agencies ,
Coronavirus/COVID-19 ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
False Advertising ,
False Reporting ,
Federal Trade Commission (FTC) ,
Financial Products ,
Financial Stimulus ,
Fraud ,
FTC Act ,
Marketing ,
Minorities ,
Online Reviews ,
Popular ,
Scams ,
Social Media ,
Student Loans ,
Telemarketing
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). In this newsletter, we analyze recent regulatory...more
1/25/2022
/ Breach Notification Rule ,
Cease and Desist ,
Certiorari ,
Comment Period ,
Consumer Financial Protection Act (CFPA) ,
Consumer Financial Protection Bureau (CFPB) ,
Coronavirus/COVID-19 ,
Credit Cards ,
Credit Reporting Agencies ,
Debt Collection ,
Diversity and Inclusion Standards (D&I) ,
ECOA ,
Electronic Protected Health Information (ePHI) ,
False Claims Act (FCA) ,
FDCPA ,
Federal Trade Commission (FTC) ,
Financial Institutions ,
Financial Services Industry ,
For Profit Colleges ,
Fraud ,
Health Information Technologies ,
Health Insurance Portability and Accountability Act (HIPAA) ,
HIPAA Breach Notification Rule ,
Identity Theft ,
Lenders ,
OMWI ,
Payday Loans ,
Payment Processors ,
Popular ,
Religious Discrimination ,
SCOTUS ,
Student Loans ,
Telemarketing and Consumer Fraud and Abuse Prevention Act (TCFAPA) ,
Truth in Lending Act (TILA) ,
Unfair or Deceptive Trade Practices