News & Analysis as of August 19, 2025

Credit Cards

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A repository for the most well-read content on JD Supra at any given time, along with occasional roundups of popular content by specific topic. Also stop by for monthly recaps of hot articles for the previous... more +

2024 Year in Review: Cards, Payments, and Consumer Banking

Goodwin on 3/14/2025

We expect continued scrutiny by regulators on fees, including enforcement actions and rulemakings, with the caveat that the new administration could shift federal priorities away from this fee crackdown....more

CFPB Bites of the Month - January 2025 - June in January with the CFPB

Hudson Cook, LLP on 2/25/2025

In this month's article, we share some of our top "bites" covered during the January 2025 webinar....more

CFPB Releases Final ‘Open Banking’ Rule on Personal Financial Data Rights

Skadden, Arps, Slate, Meagher & Flom LLP on 12/17/2024

On October 22, 2024, the Consumer Financial Protection Bureau (CFPB) issued a final rule (Rule) on personal financial data rights under Section 1033 of the Dodd-Frank Act. The Rule imposes significant new obligations on...more

CFPB’s credit card late fee rule stayed

Orrick, Herrington & Sutcliffe LLP on 5/20/2024

On May 10, the U.S. District Court for the Northern District of Texas entered an opinion and order granting the plaintiffs, comprising several trade organization, its motion for preliminary injunction and placed a stay on the...more

2023 Year in Review: Credit, Debit, or Prepaid Cards and Consumer Banking

Goodwin on 2/15/2024

Welcome to the Credit, Debit, or Prepaid Cards and Consumer Banking chapter of our annual report Consumer Financial Services 2023 Year in Review. Looking Ahead to 2024 - We expect continued focus by the CFPB on “junk”...more

Financial trade groups remind CFPB of the SBREFA requirements for the imminent overdraft and NSF fee rulemaking

Ballard Spahr LLP on 1/5/2024

On January 3, 2023, American Bankers Association, America’s Credit Unions, and Independent Community Bankers of America wrote a letter to CFPB Director Rohit Chopra to address their concerns that the CFPB’s proposal for...more

CFPB Fall 2023 rulemaking agenda indicates imminent issuance of final credit card late fees rule and proposed rules on overdraft...

Ballard Spahr LLP on 12/8/2023

The CFPB has released its Fall 2023 rulemaking agenda as part of the Fall 2023 Unified Agenda of Federal Regulatory and Deregulatory Actions. The agenda’s preamble indicates that “[t]he Bureau reasonably anticipates having...more

Banking Groups Oppose CFPB’s Proposed Changes to Credit Card Late Fee Safe Harbor

Troutman Pepper Locke on 8/10/2022

Bankers are gearing up to oppose an effort by the Consumer Financial Protection Bureau (CFPB or Bureau) to prevent an increase in allowable late charges for credit cards. In letters dated August 1, the American Bankers...more

CFPB Summer 2019 Supervisory Highlights looks at GAP products, credit card practices, debt collection, furnishing to consumer...

Ballard Spahr LLP on 9/23/2019

The CFPB has released the Summer 2019 edition of its Supervisory Highlights. The report discusses the Bureau’s examination findings in the areas of automobile loan originations, credit card account management, debt...more

Consumer financial services: The road ahead: Payment processing

White & Case LLP on 3/15/2019

The CFPB continued to be active in the consumer payments space in 2018, while the Federal Reserve and market participants considered the future of payment processing, including the development of faster payment systems....more

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