Topic
Credit
88 published works
The Bankruptcy Soap Box
What’s So Scary About Bankruptcy?
By Cathy Moran
It’s Halloween and we indulge in make-believe scary moments and call it fun. In real life, fear isn’t so fun. People up to their eyeballs in debt are scared witless…
EU Law Analysis
When Does Credit Stop Being Finance? Debt Collection before the CJEU
By stevepeerseulawanalysis-blogspot-com
Cătălin Gabriel Stănescu, Reader in Law at Newcastle University and member of the European Commission’s Financial Services Users Group. Photo credit: BNP Paribas HQ, by Boubloub, via Wikimedia Commons…
Crunched Credit
Interest Rates Will Be Higher (for Much) Longer
By Rick Jones
I told you, didn't I? Tacky of me to say, to be sure, but I have been harping on this for the better part of a year. Interest rates will remain elevated…
The State AG Report
AG Brown Announces $694 Million Multistate Settlement with Credit Acceptance Corporation
The post AG Brown Announces $694 Million Multistate Settlement with Credit Acceptance Corporation appeared first on The State AG Report.
Global Regulation Tomorrow
Correction to FSMA (Regulated Activities etc) (Amendment) (No 2) Order 2025
By Simon Lovegrove (UK), Charlotte Carnegie
On 18 September 2026, a correction to the Financial Services and Markets Act 2000 (Regulated Activities etc) (Amendment) (No 2) Order 2025 (the Order) was laid before Parliament and published…
Consumer Financial Services Law Monitor
Federal Agencies Jointly Rescind 2022 Interagency Statement on Special Purpose Credit Programs
By Lori Sommerfield, Chris Willis, Taylor Gess, Lane Page
On August 25, seven federal agencies — the Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Consumer Financial Protection Bureau (CFPB or Bureau), National Credit Union Administration, Department…
Consumer Finance Monitor
Interagency Special Purpose Credit Program Statement Rescinded
By Richard J. Andreano, Jr., John L. Culhane, Jr.
As previously reported, in February 2022, eight federal agencies issued an Interagency Statement encouraging the offering of special purpose credit programs (SPCPs) under the Equal Credit Opportunity Act (ECOA). The…
Consumer Finance Monitor
Illinois Enacts Disparate Impact Standard for Credit Decisions: What Lenders Need to Know
By Alan S. Kaplinsky, Richard J. Andreano, Jr., John L. Culhane, Jr.
Introduction Illinois has joined a growing number of states that are expanding fair lending obligations at the state level even as the federal government moves in the opposite direction. On…
Financial Services Perspectives
CFPB Updates ECOA Baseline Review Procedures
By Joe Wilson, Britney M. Crawford
On July 23, 2026, the Consumer Financial Protection Bureau (CFPB) updated its Equal Credit Opportunity Act (ECOA) Baseline Review Procedures. Notably, the updates were issued just two days after the…
The Bankruptcy Soap Box
Better Credit After Bankruptcy: Does Reaffirming A Car Loan Help?
By Cathy Moran
Does reaffirming a car loan after bankruptcy help rebuild your credit? Rebuilding credit is the motivation that drives lots of debtors to waive the benefits of their discharge as to…