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Insight

CFPB Pause: Where From Here?

5 minute read | February.21.2025

Key takeaways from recent developments at the CFPB and how they will shape rulemaking, regulation and enforcement at the federal and state levels.

Insight

Q&A: Will States Take the Lead in Consumer Protection?

by Amanda Lawrence, John Coleman, Clinton Rockwell, John (Jay) Williams, Kathryn Ryan, Jedd Bellman and Olivia Ragoowansi
4 minute read | February.11.2025

With the CFPB on pause for now, we explore key questions about how the consumer financial services regulatory landscape appears to be shifting.

Insight

Will State-Level Consumer Protection Activity Increase Amid CFPB Shakeup?

by Amanda Lawrence, John Coleman, Clinton Rockwell, John (Jay) Williams, Kathryn Ryan, Jedd Bellman and Olivia Ragoowansi
8 minute read | February.10.2025

As the CFPB undergoes significant transition, certain state financial regulators and attorneys general appear poised to step into the Bureau’s shoes.

Insight

Maryland Mortgage Loan Purchasers Face New License Requirement

by Jedd Bellman, Kathryn Ryan, Clinton Rockwell, Daniel Bellovin and Orion Mountainspring
5 minute read | January.27.2025

Tax-Exempt Lending to Governments and Nonprofits; Bank Loans and Direct Purchases of Municipal Securities

Financial institutions that purchase mortgage loans in Maryland face a new requirement to obtain a state license.

Insight

CFPB's RESPA Advisory Addresses Online Mortgage-Comparison Platforms

by John Coleman, Joseph Kolar, John Kromer, Jeffrey Naimon and Clinton Rockwell
7 minute read | February.08.2023

The Consumer Financial Protection Bureau (CFPB) issued guidance yesterday making clear that those who operate or participate in online ...

Insight

Commercial Lenders Brace for Consumer-Style Disclosures in California and Beyond

by Clinton Rockwell and Kathryn Ryan
18 minute read | October.01.2019

In September 2018, California became the first state to enact commercial financing legislation requiring consumer-style disclosures similar to those ...

Insight

Reducing the Regulatory Risk of Merchant Cash Advances and Factoring

by Clinton Rockwell and Lauren Frank
8 minute read | May.17.2019

A growing number of courts and regulators have reached different conclusions on whether factoring and merchant cash advances constitute loans subject ...

Insight

Compliance With RESPA Section 8: The Current State of Play

47 minute watch | February.06.2019

The standards for compliance with Section 8 of the Real Estate Settlement Procedures Act remain unsettled in the wake of the PHH decision and changes ...

Insight

OCC Takes the Next Step Toward a Fintech National Bank Charter

by Clinton Rockwell, Jeremiah Buckley, John Kromer, Walter Zalenski and Jeffrey Naimon
December.13.2016

On December 2, 2016, the Office of the Comptroller of the Currency (“OCC”) announced its plans to move forward with developing a special purpose ...

Insight

Election Results - Preliminary Thoughts and Reactions

November.14.2016

As a result of Tuesday’s election, Republicans will control the White House and both houses of Congress in 2017. It is likely there ultimately will ...

Insight

D.C. Circuit Panel Rejects CFPB's RESPA Interpretation and Alters its Structure in PHH Corp. v. CFPB

by Clinton Rockwell, Jeremiah Buckley, Joseph Kolar, John Kromer, Jon Langlois, Sasha Leonhardt, Sherry-Maria Safchuk, Steven vonBerg and Jeffrey Naimon
October.11.2016

On October 11, a three-judge panel of the U.S. Court of Appeals for the District of Columbia Circuit issued an opinion vacating a $109 million ...

Insight

CFPB Finalizes Amendments to Mortgage Servicing Rules

by Clinton Rockwell, Melissa Klimkiewicz, John Kromer, Christopher Witeck, Jon Langlois, Kathryn Ryan and Jeffrey Naimon
August.09.2016

On Thursday, the CFPB issued its long-awaited final amendments to the mortgage servicing provisions of Regulations X and Z. The Bureau had sought ...