Point-of-Sale Finance Series: Understanding the Development and Regulation of Buy Now, Pay Later Products â The Consumer Finance Podcast
Enhancing Card Partnerships and Compliance: A Conversation With Matthew Goldman â Payments Pros â The Payments Law Podcast
Regulatory Rollback: CFPBâs Withdrawal of Informal Guidance Sparks New Litigation Dynamics â The Consumer Finance Podcast
Sunday Book Review: August 10, 2025, The More Books from The Ethicsverse Library Edition
AI Today in 5: August 6, 2025, The Rethinking Compliance Episode
Wild Times for the Community Reinvestment Act
Suluki Secrets: Behind the Scenes of Reasonable Investigations â FCRA Focus Podcast
The Current State of the Holder Rule: Friend or Foe? â Moving the Metal: The Auto Finance Podcast
Regulatory Rollback: Legal Challenges and Opportunities in Earned-Wage Access â Payments Pros â The Payments Law Podcast
Regulatory Rollback: Legal Challenges and Opportunities in Earned-Wage Access â The Consumer Finance Podcast
Daily Compliance News: July 22, 2025, The I-9 Hell Edition
Compliance Tip of the Day: Avoiding CCO Liability
2 Gurus Talk Compliance: Episode 55 â The From Worse to Worser Edition
Balchâs Consumer Finance Compass: How Standing Can Make or Break Certification for Class Action Lawsuits in Debt Collection
Top challenges with Compliance Management
Sittenfeld v. United States â Campaign Contributions as Crimes?
From Banks to FinTech: The Evolution of Small Business Lending â The Consumer Finance Podcast
From Banks to FinTech: The Evolution of Small Business Lending â Payments Pros â The Payments Law Podcast
The Capital Ratio Podcast | Entering the US Banking Market
Daily Compliance News: July 7, 2025 the Disaster on the River Edition
Unsecured lending remains a dynamic, fast-evolving segment of the consumer finance market â drawing increasing attention from regulators, litigators, and market participants alike. In this next installment of our Deep Dives...more
An initiative designed to add significant regulatory obligations to the home improvement and solar financing industries is progressing through the California legislature. Senate Bill 784 (SB 784) passed the California Senate...more
On July 14, the Office of the Comptroller of the Currency (OCC) issued Bulletin 2025-16, announcing the removal of references to disparate impact liability from the âFair Lendingâ booklet of the Comptrollerâs Handbook and...more
Recently the U.S. Department of Housing and Urban Development (HUD) rescinded various FHA mortgage loan requirements in a series of five Mortgagee Letters....more
Connecticut has enacted a law (the amendment) amending the stateâs existing small loan act (the act). In this alert, we focus on the amendmentâs application of the act to âearned but unpaid wage or salary income advancesâ...more
On June 20, the Texas Legislature passed H.B. 700, which introduces several new regulatory requirements for providers and brokers of commercial sales-based financing operating within the state. The law applies to merchant...more
On June 3, HUD published Mortgagee Letter (ML) 2025-14, âUpdates to Modernization of Engagement with Borrowers in Default and Loss Mitigation,â which revised requirements for mortgagee interviews with FHA borrowers in default...more
The House Financial Services Committee has approved a bill that would restrict the use of âtrigger leadsâ in the mortgage industry. ...more
In an earlier alert, we described the potential impact of the One Big Beautiful Bill on withholding taxes imposed on loans made by foreign banks to U.S. borrowers. ...more
The continued growth and diversification of the regional economies, coupled with significant advancements in the legal frameworks, have made the United Arab Emirates and the Kingdom of Saudi Arabia increasingly attractive...more
The UK Financial Conduct Authority (FCA) has published a consultation paper (CP25/11) on simplifying its rules on mortgage lending and increasing flexibility, with an updated webpage and press release. This is the first set...more
As previously reported, last year the U.S. Department of Veterans Affairs (VA) launched a Veterans Affairs Servicing Purchase (VASP) program, which VA characterized as a âlast-resort toolâ for VA home loan borrowers facing...more
In January 2025 the U.S. Department of Housing and Urban Development (HUD) issued Mortgagee Letter 2025-06 revising servicing and claims requirements and loss mitigation options for FHA insured mortgage loans effective...more
On March 28, the CFPB announced that it will not prioritize enforcement or supervision of the remaining provisions of its Payday, Vehicle Title, and Certain High-Cost Installment Loans Regulation, which were set to take...more
The U.S. Department of Veterans Affairs (VA) recently proposed rules to modify the requirements for the reporting of VA guaranteed mortgage loans, and the rules regarding when the VA would assert a defense for a partial or...more
The scenario is common enough: following a slow quarter, a borrower misses a debt service coverage ratio (DSCR), fixed charge coverage ratio (FCCR), or other financial covenant test required under its revolving credit...more
In another move highlighting the Consumer Financial Protection Bureau's (the âBureauâ or âCFPBâ) continued focus on the payments space, the CFPB has issued a new report finding consumers are encountering numerous problems...more
As creditors continue to look across the global market for strategic opportunities, the United Arab Emirates (the "UAE") is primed to emerge as a relatively untapped well of potential for private credit providers....more
Nearly 14 years ago, guidance was provided by federal regulators to facilitate commercial real estate loan work-outs. Rather than âextend & pretend,â regulators had encouraged, and are encouraging, banks to work with...more
On March 2, the CFPB published a report analyzing the financial profiles of consumers who borrow through buy now, pay later (BNPL) lending products. The report found that BNPL borrowers on average are more likely to be active...more
The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) requires lenders on all government-backed loans to provide forbearance agreements on residential loan payments for a period of 180 days to any borrower that...more
On August 3, 2020, the Federal Financial Institutions Examination Council (FFIEC) issued a Joint Statement on Additional Loan Accommodations Related to COVID-19 regarding loans  that are near the end of an initial loan...more
In This Issue. The Securities and Exchange Commissionâs (SEC) Office of Compliance Inspections and Examinations (OCIE) issued a Risk Alert about the scope and content of examinations OCIE plans to conduct of various...more
In this Issue: Senate Votes to Expand Paycheck Protection Program; FHFA (Finally) Addresses Liquidity Concerns for Mortgage Servicers. Yesterday, the U.S. Senate unanimously passed legislation providing $484 billion in...more
When the federal Consumer Financial Protection Bureau (âCFPBâ) last summer issued its Advance Notice of Proposed Rule Making (âANPRâ) to revise the definition of a âQualified Mortgageâ (âQMâ) under the Dodd-Frank Actâs...more