Topic
Consumer Reporting
77 published works
Consumer Financial Services Law Monitor
Missouri Federal Court Finds Plaintiff Lacks Standing to Challenge Compliance Condition Code on Consumer Report
By Zachary A. Turk, Alan D. Wingfield, Stefanie Jackman, David N. Anthony
A U.S. District Court in the Eastern District of Missouri recently granted a defendant's summary judgment motion in a Fair Debt Collection Practices Act (FDCPA) case, holding that the plaintiff…
Consumer Financial Services Law Monitor
CFPB’s Spring Edition of Its Supervisory Highlights Focuses on Consumer Reporting
By David N. Anthony, David M. Gettings, Ethan G. Ostroff
Last week, the Consumer Financial Protection Bureau (CFPB or Bureau) released the spring edition of its Supervisory Highlights report, providing a high-level overview of alleged unfair, deceptive, or abusive acts…
Consumer Financial Services Law Monitor
CFPB Annual Report Sees Continued Increase in Consumer Reporting Complaints and Complaints Involving Fraudulent Activity, Student Loan Repayment Difficulties, and Auto Finance
By Brooke Conkle, Ethan G. Ostroff, Lori Sommerfield, Chris Willis, Chris Capurso, David N. Anthony
On March 29, the Consumer Financial Protection Bureau (CFPB or Bureau) released its Consumer Response Annual Report, providing a high-level overview of the 1,657,600 consumer complaints received by the Bureau…
Consumer Financial Services Law Monitor
CFPB Continues Focus on Consumer Reporting and the FCRA With New “Guidance” on Background Checks and Consumer Disclosures
By David N. Anthony, Chris Capurso, David M. Gettings, Tim J. St. George, Ethan G. Ostroff, Alan D. Wingfield, Cindy D. Hanson
On January 11, the Consumer Financial Protection Bureau (CFPB or Bureau) issued two "advisory opinions" addressing the CFPB's views of the obligations of consumer reporting agencies (CRAs) under the Fair…
Consumer Financial Services Law Monitor
CFPB and FTC File Amicus Brief Urging Second Circuit to Find FCRA Requires Unverified Information to be Deleted from Consumer Report
By David N. Anthony, Chris Capurso, Cindy D. Hanson, Ethan G. Ostroff, Tim J. St. George, Alan D. Wingfield
Yesterday, the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC) (collectively, the agencies) filed an amici curiae brief urging the U.S. Court of Appeals for the Second Circuit…
Consumer Financial Services Law Monitor
Washington Federal Court Reiterates Distinction Between Furnishers’ and CRAs’ FCRA Investigatory Obligations and the Necessity of Alleging an Inaccuracy in a Consumer Report
By Ethan G. Ostroff, David N. Anthony, Zachary A. Turk
A district court in the Western District of Washington held that the Fair Credit Reporting Act (FCRA) does not require a consumer reporting agency (CRA), as part of its investigative…
A Lawyer's Blog
TENANT BACKGROUND CHECKS
"WASHINGTON, D.C. – Today (November 15, 2022), the Consumer Financial Protection Bureau (CFPB) issued two reports on the tenant background check industry. The reports describe how errors in these background…
Inside Class Actions
Third Circuit Further Refines Its Ascertainability Requirement
The Third Circuit recently vacated an order denying class certification, and in the process provided more clarity on what plaintiffs must do to satisfy Rule 23’s predominance and ascertainability requirements.…
WilmerHale Privacy and Cybersecurity Law
CFPB Targets Consumer Report Protections with an Advisory Opinion
By WilmerHale Privacy and Cybersecurity Lawyers
On July 7, 2022, the Consumer Financial Protection Bureau issued an advisory opinion, “Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports” to outline certain privacy obligations of consumer reporting…
Consumer Financial Services Law Monitor
Eastern District of Pennsylvania Analyzes CRA Definition Under the FCRA
By Julie D. Hoffmeister, David N. Anthony
On February 25, the U.S. District Court for the Eastern District of Pennsylvania held that a purported public records vendor (Credit Lenders Service Agency or CLSA) is a consumer reporting…