The California Consumer Privacy Act (CCPA) went into effect on January 1, 2020. Although enforcement cannot begin until July, private plaintiffs have started to bring claims under the law’s limited private right of action since the beginning of the year. Despite the CCPA going into effect just three months ago, it is already having an impact on litigation with two high profile cases alleging violations of the CCPA. This privacy quick tip aims to paint…

As companies across all industries including consumer finance, prepare to face the widespread economic effects of the coronavirus (COVID-19) pandemic, ensuring access to liquidity during this time is a key strategy in addressing the challenges posed by COVID-19. This update provides guidance to companies evaluating whether and when to borrow on an existing line of credit. Read the full update here.…

California Governor Newsom issued Executive Order N-28-20 (order) on March 16, 2020, to assist Californians experiencing financial hardship. The order implements measures specifically aimed at helping those that have lost their source of income due to business closures or layoffs in the wake of COVID-19. The governor’s directives focus on freezing evictions and foreclosures through May 31, 2020. Read the full update here.…

As the world reacts to the continued spread of the coronavirus (COVID-19), employers including mortgage lenders and servicers, are rightfully concerned about what, if anything, they should be doing to respond to this global health crisis in relation to their workforce. How companies respond to the COVID-19 pandemic may implicate several areas of employment law, including occupational health and safety regulations, anti-discrimination laws, immigration regulations, employee leave laws, and employee privacy considerations. In this article…

On Friday the 13th of September 2019—the last day of California’s Legislative Session—California lawmakers updated, finalized and sent six bills that would amend the California Consumer Privacy Act (CCPA) to Governor Newsom’s desk for signature. Despite months of efforts from various groups, the CCPA made it through the legislative session with relatively fewer changes than expected. This update provides a brief overview of the six bills that made it out of both houses and how they…

In Casillas v. Madison Avenue Associates, Inc., 926 F.3d 329, 333 (7th Cir. 2019), the Seventh Circuit upheld the district court’s holding that a plaintiff lacked standing to pursue a claim under the Fair Debt Collection Practices Act (FDCPA) against a debt collector because the plaintiff could not establish that any damages were caused by the FDCPA violation. The FDCPA requires a debt collector to give written notice to a consumer within five days…

The CCPA exempts processing of personal information “pursuant to” the Gramm-Leach-Bliley Act (GLBA). Businesses must analyze their processing activities, including the types of personal information collected and how they are used, to determine which activities are conducted “pursuant to” the GLBA and which fall outside this limited scope and assess how to mitigate risk. Join us for a webinar that will explore the contours of this exemption and examines activities to which financial institutions might…