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CONSUMER FINANCE INSIGHTS (CFI)

The latest on consumer finance regulation, litigation, and enforcement


Goodwin’s Consumer Finance Insights (CFI) monitors, reports, and analyzes the
latest legal news, activity, and developments impacting the consumer finance
industry. Consumer financial services companies—whether banks, fintechs, nonbank
and alternative lenders, payment providers, or industry vendors or service
providers, like digital advertisers and lead generators—face a constantly
shifting and maturing regulatory and legal landscape. Growing from the Financial
Crisis, today more than any time in history the consumer finance industry must
confront a robust and growing body of industry legislation and regulation, all
while under the microscope of sophisticated enforcers, like the Consumer
Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and state
regulators and attorneys general. It is critical for in-house and outside
corporate counsel, compliance departments, and business executives to stay
informed and aware of these developments to navigate institutional,
reputational, and legal risks. Goodwin’s CFI is a singular source of the most
recent industry news and latest enforcement activity for you to leverage. Here,
you will find links to original enforcement documents, enforcement activity
statistics, and reports, analysis, and commentary from Goodwin’s leading
Consumer Financial Services Litigation and Enforcement practitioners.


NINTH CIRCUIT STRIKES MASS ARBITRATION AGREEMENT AS UNENFORCEABLE UNDER
CALIFORNIA LAW

 * November 1, 2024
 * Jasmine Jean-Louis
 * Arbitration Agreements, Class Actions, Consumer Protection



On October 28, 2024, the Ninth Circuit struck a mass arbitration agreement as
unconscionable and unenforceable under California law in Heckman v. Live Nation
Ent., Inc., No. 23-55770.  The three-judge panel affirmed the district court’s
decision holding that the arbitration agreement’s delegation clause was
unconscionable under California law.  The panel…

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CFPB ENTERS INTO $1.5 MILLION CONSENT ORDER WITH CREDIT UNION

 * October 31, 2024
 * Eva Monteiro
 * CFPA, CFPB, Mobile Banking



On October 31, 2024, the CFPB announced that it had entered into a consent
order with a credit union, resolving allegations that the union had
ineffectively rolled out a new online banking platform that left consumers
without adequate access to basic banking functions, and thereby
inflicted financial harm. In May 2022, the credit union attempted to launch…

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CFPB TAKES THE NEXT STEP TOWARDS ESTABLISHING RULES FOR OPEN BANKING

 * October 11, 2024
 * Justine Potter
 * CFPB



In September 2024, the CFPB announced the launch of a public comment process for
the first application for open banking standard setter recognition, marking an
important step towards establishing rules for open banking in the US.   This
development comes in the wake of the CFPB’s June 2024 announcement identifying…

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CFPB ISSUES GUIDANCE EMPHASIZING THE IMPORTANCE FOR BANKS TO MAINTAIN SUFFICIENT
PROOF OF CUSTOMERS’ AFFIRMATIVE CONSENT TO OVERDRAFT SERVICES

 * October 4, 2024
 * Robin Muir
 * CFPB, Consumer Protection, EFTA, Enforcement Trends



In recent discussions surrounding banking practices, the issue of overdraft
fees, particularly for ATM and one-time debit card transactions, has gained
significant attention.  On September 17, 2024, the Consumer Financial Protection
Bureau (Bureau) issued Consumer Financial Protection Circular 2024-05 asserting
that “[a] bank or credit union can be in violation…

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CFPB REVERSE-REDLINING CLAIM SURVIVES DISMISSAL IN COLONY RIDGE

 * September 30, 2024
 * Collin Grier
 * CFPB, Enforcement Actions, Fair Lending / Fair Servicing



On September 13, 2024, the United States District Court for the Southern
District of Texas granted in part and denied in part the defendants’ motion to
dismiss in CFPB v. Colony Ridge, Case No. 4:23-cv-04729.  The Court held that
the Consumer Financial Protection Bureau (CFPB) and the U.S. Department of…

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CONSTITUTIONALITY OF SHORTENED TIME LIMITS ON NEW YORK FORECLOSURES STILL
UNRESOLVED

 * September 23, 2024
 * Christian Fletcher
 * Debt Collection or Settlement, Foreclosure, Lender Law, Litigation, Mortgage
   Orientation or Servicing



On September 12, 2024, New York’s highest court dismissed an appeal challenging
the constitutionality of the retroactive application of the Foreclosure Abuse
Prevention Act (“FAPA”), a law that amended certain New York rules to strictly
cabin the time limits for commencing mortgage foreclosures.  The Court of
Appeals, on its own motion,…

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CFPB PERMANENTLY BANS LARGE STUDENT LOAN SERVICER FROM MARKET AND ORDERS REDRESS
OF $120 MILLION

 * September 12, 2024
 * Julia Stamper
 * CFPA, CFPB, FCRA, FDCPA, Student Loans



On September 12, 2024, the CFPB announced that it entered into a stipulated
proposed order with a large student loan servicer resolving allegations that the
servicer forced borrowers into costly repayment options. Under the proposed
order, the servicer would cease its servicing federal direct loans.   In a
January 2017 complaint, the CFPB accused the servicer of steering…

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CFPB ENTERS INTO $28 MILLION CONSENT ORDER RESOLVING ALLEGATIONS OF CONSUMER
CREDIT MISREPORTING

 * September 11, 2024
 * Julia Stamper
 * CFPA, CFPB, FCRA



On September 11, the CFPB announced that it had entered into a consent
order with a national bank resolving allegations that the
bank reported inaccurate information to consumer reporting companies.  The bank
agreed to pay nearly $28 million to resolve these allegations. The CFPB alleged
the bank violated the Fair Credit Reporting Act (FCRA) and the Consumer…

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CFPB REPORT SPOTLIGHTS CONSUMER RISKS WITH PRIVATE, SOLAR-SPECIFIC LOANS

 * August 30, 2024
 * Jasmine Jean-Louis
 * CFPB, Consumer Protection, Enforcement Trends, Lender Law, UDAP/UDAAP



On August 7, 2024, the Consumer Financial Protection Bureau (CFPB) issued a
report spotlighting four marketing and financing practices relating to solar
financing that it claims pose significant consumer risks (the Report).  The CFPB
noted that solar-powered electricity is a growing industry—suggesting that these
risks may become an enforcement priority. …

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FTC PUBLISHES NEW RULE BANNING FAKE REVIEWS AND TESTIMONIALS

 * August 24, 2024
 * Varun Bhatnagar
 * FTC, Online, UDAP/UDAAP



On August 14, 2024, the Federal Trade Commission (FTC) announced a final rule
banning fake reviews and testimonials.  The rule follows a notice and comment
process that began in November 2022, and covers a wide range of consumer reviews
and testimonials including “consumer ratings regardless of whether they include
any…

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CFPB ENTERS INTO CONSENT ORDER WITH MORTGAGE SERVICER RESOLVING ALLEGATIONS OF
IMPROPER FORECLOSURE PRACTICES

 * August 21, 2024
 * Jordan Wenik
 * CFPA, CFPB, Mortgage Orientation or Servicing, RESPA



On August 21, 2024, the Consumer Financial Protection Bureau (CFPB)  announced
 that it entered into a consent order with a Florida-based mortgage servicer,
resolving allegations related to the mortgage servicer’s foreclosure practices.
The consent order  resolves allegations  that the mortgage servicer’s
foreclosure practices violated the Consumer Financial Protection Act of 2010
(CFPA), 12 U.S.C. §§ 5531, 5536; the…

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ONLINE TICKET EXCHANGE SUED FOR ALLEGED “DRIP PRICING” AND HIDDEN FEES

 * August 5, 2024
 * Richard Sillett
 * Consumer Protection, Litigation



On June 30, 2024, the Office of the Attorney General for the District of
Columbia filed an action against an online ticket exchange and resale website
alleging violations of the District of Columbia’s Consumer Protection Procedures
Act (D.C. Code §28-3904(e)).  The complaint alleges that the company used
deceptive and unfair…

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FCC PROPOSES NEW RULES REGARDING AI-GENERATED ROBOCALLS AND ROBOTEXTS

 * July 29, 2024
 * Robin Muir
 * FCC, TCPA, Telecommunications



In response to the rise of the use of artificial intelligence (AI) technologies
in telecommunications, on July 17, 2024, the Federal Communications Commission
(FCC) issued a Notice of Proposed Rulemaking (Notice), CG Docket No. 23-362,
outlining certain proposed restrictions on AI-generated calls and text messages.
The Telephone Consumer Protection Act…

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CFPB FILES SUIT AGAINST "RENT-TO-OWN" BUSINESS ALLEGING ILLEGAL LENDING
PRACTICES

 * July 26, 2024
 * Eva Monteiro
 * CFPA, CFPB, Consumer Protection, EFTA, FCRA, TILA



On July 26, 2024, the Consumer Financial Protection Bureau (CFPB) announced that
it filed a complaint against a point-of-sale financing company and its former
chief executive officer in the United States District Court for the District of
Utah. The complaint alleges that defendants’ “virtual rent-to-own” product uses
misleading marketing and abusive enrollment practices that target consumers
with…

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FEDERAL COURT GRANTS TRO AGAINST DEBT RELIEF COMPANY TARGETING SPANISH-SPEAKING
STUDENT LOAN BORROWERS

 * July 22, 2024
 * Marie Anne MacCune
 * FTC, Student Loans



On July 22, 2024, the Federal Trade Commission announced that the U.S. District
Court for the Middle District of Florida had granted its motion for a temporary
restraining order against a debt relief company that allegedly targeted
Spanish-speaking consumers in Puerto Rico, among others. The FTC has alleged
that the company “pretended to…

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FRB FINES UTAH PREPAID DEBIT CARD COMPANY $44 MILLION FOR UNFAIR AND DECEPTIVE
PRACTICES

 * July 19, 2024
 * Marie Anne MacCune
 * Consumer Protection, Credit, Debit, or Prepaid Card, FRB



On July 19, 2024, the Federal Reserve Board announced it had fined a Utah-based
company that offers prepaid debit cards $44 million for alleged unfair and
deceptive practices as well as an alleged deficient consumer compliance risk
management program. In its Order to Cease and Desist and Order of Assessment of…

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SEVENTH CIRCUIT REVIVES CFPB’S ECOA ACTION ALLEGING DISCRIMINATION AGAINST
PROSPECTIVE APPLICANTS AGAINST NONBANK LENDER

 * July 16, 2024
 * Isabel Marin
 * CFPB, ECOA, Fair Lending / Fair Servicing, Litigation



On July 11, the Seventh Circuit held that the Equal Credit Opportunity Act, 15
U.S.C. § 1691 et seq. (ECOA) authorizes the imposition of liability for the
discouragement of prospective applicants. See CFPB v. Townstone Financial, Inc.,
___ F.4th ___ (7th Cir. 2024), 2024 WL 3370023. As anticipated in Goodwin’s…

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CALIFORNIA DFPI REVOKES COMPANY'S LENDING LICENSE FOR FAILING TO COMPLY WITH
REGULATORY EXAM

 * July 15, 2024
 * Lauren Jackson
 * Bankruptcy, Consumer Protection, Enforcement



On July 10, 2024, the California Department of Financial Protection and
Innovation (DFPI) issued an order revoking the California Financing Law license
of a company that had offered both individual and business loans in the state,
following that company’s alleged failure to provide information during the
DFPI’s attempt to conduct a regulatory examination….

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CFPB FILES PROPOSED JUDGMENT IN BANK SUIT REGARDING THE OPENING OF UNAUTHORIZED
ACCOUNTS

 * July 15, 2024
 * Lauren Jackson
 * CFPA, CFPB, Consumer Protection, Enforcement Actions, Litigation, TILA



On July 9, 2024, the Consumer Financial Protection Bureau (CFPB) announced that
it filed a proposed stipulated final judgment and  order in its suit against a
national bank accused of allegedly opening unauthorized accounts on behalf of
consumers .  The proposed judgment would resolve allegations that the bank
opened unauthorized accounts in the names of its customers.  As…

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CFPB ENTERS INTO CONSENT ORDER WITH BANK RESOLVING ALLEGATIONS OF
FORCE-PLACED-INSURANCE

 * July 15, 2024
 * Lauren Jackson
 * Auto Finance, CFPB, Consumer Protection, Debt Collection or Settlement,
   Enforcement Actions



On July 9, 2024, the Consumer Financial Protection Bureau (CFPB) announced that
it entered into a consent order with a national bank, resolving allegations
related to the bank’s auto lending practices. The consent order   related to
auto lending practices resolves allegations that the bank’s practices related
to force-placed insurance policies violated the Consumer Financial Protection
Act of 2010 (CFPA), 12…

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1234 ›Last »


2023 CONSUMER FINANCE YEAR IN REVIEW

THE 2023 EDITION IS AVAILABLE HERE.


INDUSTRY INSIGHTS

WEBINARS

Consumer Financial Services: Emerging Issues for 2024 | Goodwin Webinar

Fee-ling the Impact: Increased Regulatory Scrutiny of ‘Junk’ Fees and Other Top
Challenges for Consumer Credit Card Pricing Strategies | Goodwin Webinar

RESOURCES

A Guide to CFPB Investigations

A View From Inside: A Guide To NYDFS Investigations

Bank Failure Knowledge Center

CFPB Departs From Precedent and Reverses Itself by Proposing Novel Interpretive
Rule That Applies TILA and Regulation Z to Nonrecourse Earned Wage Access
Services

South Carolina Becomes Fifth State to Enact Law Regulating Earned Wage Access
Services

Kansas Becomes Fourth State to Enact Law Regulating Earned Wage Access Services

Wisconsin Becomes Third State to Enact Law Regulating Earned Wage Access
Services

FCC Proposes New, Stricter TCPA Rules That Would Limit Lead Generation to
One-Company Consent

Internet Privacy Litigation Continues to Create Uncertainty for Websites Using
Third-Party Technology while Expanding to More States

Proactive Measures While NY Foreclosure Law Is in Limbo – Law360

CRA Plays Role In DOJ Fight Against Redlining - Law360

Nevada Enacts First-Of-Its-Kind Licensing Law For Earned Wage Access Services

Missouri Becomes Second State To Enact Law Regulating Earned Wage Access
Services

Supreme Court Hears Oral Argument on the Constitutionality of the Funding of the
CFPB

FTC and CFPB Announce $15 Million Settlement Against Credit Reporting Agency For
Alleged Inaccuracies In Tenant Screening Reports

CFPB Files Complaint Against Mortgage Originator For Allegedly Inaccurate HMDA
Reporting

Expect CFPB Scrutiny On AI In Lending

CFPB Announces Informal Dialogue with the European Commission Aimed at Policy
and Regulatory Cooperation

Florida Amends Mini-TCPA, Clarifies Confusion

CFPB Reports Highlight Medical Financing And Billing Risks - Law360

CFPB Affirms Banks Risk UDAAP for Unilaterally Re-Opening Consumer Accounts
After Account Closure

CFPB Deems Merchant Cash Advances to Be “Credit” Under ECOA

CFPB Finalizes Small Business Lending Data Rule


RELATED SITES

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Consumer Financial Services Enforcement & Government Investigations

Consumer Financial Services Litigation Practice

Financial Services Weekly News Roundup


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Matt Riffee

Sabrina Rose-Smith

Levi Swank

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