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Consumer Finance Monitor
OCC Doubles Down on Its Challenge to States’ Lawsuit Over Interest-on-Mortgage Escrow Rules, Urging Dismissal or Transfer to D.C.
The Office of the Comptroller of the Currency (OCC) has filed on November 2,2026 its reply brief in support of its motion to dismiss, or alternatively transfer to the District…
Consumer Financial Services Law Monitor
Troutman Pepper Locke Weekly Consumer Financial Services Newsletter – November 3, 2026
To keep receiving your weekly insights, all you need to do is subscribe to our new Consumer Financial Services Weekly Newsletter — it's quick and easy. We'll see you there!…
Global Financial Regulatory Blog
Eighth Circuit Affirms Vacatur of Federal Reserve Debit Interchange Fee Cap
The decision requires a different cost methodology for regulated debit interchange fees but preserves the FRB’s discretion to develop workable replacement standards within the boundaries of the authorizing statute. By…
Consumer Finance Monitor
Eighth Circuit Invalidates Federal Reserve’s 21-Cent Debit Card Interchange Fee Cap, Holding That the Durbin Amendment Requires a Transaction-Specific Cost Analysis
The Eighth Circuit’s October 26, 2026 unanimous decision in Corner Post, Inc. v. Board of Governors of the Federal Reserve System delivers a significant victory for merchants challenging the Federal…
Consumer Finance Monitor
State AGs Oppose OCC’s Bid to Pause Challenge to Rules Preempting State Mortgage Interest-on-Escrow Laws
The ten states challenging the Office of the Comptroller of the Currency’s (OCC) new interest-on-escrow rules are urging a federal district court to reject the agency’s attempt to delay judicial…
Truth on the Market
Why Corner Post’s Merchant Victory May Not Ring Up Savings
By Ben Sperry
Merchants persuaded a federal appeals court to throw out the Federal Reserve’s debit-card fee cap. They might want to hold the applause until they see its replacement. A ruling aimed…
Consumer Finance Monitor
States Oppose OCC Bid to Dismiss Mortgage Interest-on-Escrow Lawsuit Challenging New OCC Regulations
Oregon and nine other states argue that the OCC unlawfully preempted state interest-on-escrow laws, that Oregon is a proper venue, and that their challenge to the agency’s authority should proceed.…
Consumer Financial Services Law Monitor
Point-of-Sale Finance Series: Beyond Credit – Deposit Accounts, Prepaid Cards, Overdraft, and Surcharges (Crossover Episode With <em>Payments Pros – The Payments Law Podcast</em>)
By Jason Cover, Taylor Gess, Carlin McCrory
In this crossover episode of The Consumer Finance Podcast and Payments Pros, Taylor Gess is joined by colleagues Jason Cover and Carlin McCrory for another installment of the "Point-of-Sale Finance"…
Financial Services Observer
CFTC Final Rule Establishes 30% Presumption for Some Whistleblower Awards
By Jeffry M. Henderson, Ryan M. Hayden, Douglas E. Arend, Kyle L. Flynn
The CFTC’s final rule establishes a 30% presumption for certain whistleblower awards and revises the agency’s award determination process.
Consumer Finance Monitor
The CFPB Needs Reform, But Not More Regulatory Whiplash
The future of the Consumer Financial Protection Bureau (CFPB or Bureau) has rarely been more uncertain. Since its creation, the CFPB has been at the center of intense political and…