Topic
Lending
189 published works
Crunched Credit
A Structured Finance Solution For The Want of Construction Lending Dollars
By Rick Jones
Construction lending is a tough business. Frankly, except for institutions with real expertise in the actual process of constructing a building, who have experience in dealing with owners, contractors, architects, subcontractors…
Consumer Finance Monitor
House Financial Services Committee Advances DIDMCA Opt-Out Clarification Bill
By Alan S. Kaplinsky, Burt M. Rublin
On September 16, 2026, the House Financial Services Committee (Committee) approved H.R. 7866, the American Lending Fairness Act of 2026, legislation introduced by Rep. Warren Davidson (R-Ohio) and Rep. Andy…
Consumer Finance Monitor
Colorado Sues EarnIn, Alleging Its “Earned Wage Access” Product Is Really a High-Cost Loan
By John L. Culhane, Jr., Alan S. Kaplinsky
Colorado Attorney General Philip Weiser and Uniform Consumer Credit Code Administrator Martha Fulford have sued Activehours, Inc., doing business as EarnIn, alleging that EarnIn’s direct-to-consumer “Cash Out” earned-wage-access product is…
Consumer Finance Monitor
House Financial Services Committee to Consider H.R. 7866 and the Intended Scope of DIDMCA’s Opt-Out Provision
By Alan S. Kaplinsky, Burt M. Rublin
Hearing will focus on whether Section 525 permits an opt-out state to regulate loans made by out-of-state state banks On Wednesday, September 2, the House Financial Services Committee will hold…
Thomson Reuters Law Blog
Why losing lenders are still getting paid
By Jamesju
Jump to ↓ When losers still get paid What it means for borrowers and lenders Highlights In an October 2025 boxing match, the loser was guaranteed $150 million versus…
Thomson Reuters Law Blog
Syndicated loans, deal or no deal or wait, where’d my chip go?
By Jamesju
Highlights Only 68% of Q1 2025 capital markets deals required all-lender consent to change pro rata sharing terms. Without unanimous consent, majority lenders could redirect payments away from minority lenders…
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Interagency Special Purpose Credit Program Statement Rescinded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…
Agricultural Law & Rural Practice | Solo Small Firm & General Practice Section
How to Keep Your Business Clients from Becoming Accidental Creditors
The Truth in Lending Act and the Wisconsin Consumer Act are not just for traditional financial institutions. Amy Bentley explains how Wisconsin lawyers can help local businesses avoid inadvertently triggering…
Consumer Finance Monitor
Federal Banking Agencies Issue Joint Guidance on Lending to Individuals Not Legally Authorized to Work in the United States
By Richard J. Andreano, Jr., John L. Culhane, Jr., Alan S. Kaplinsky
On July 13, 2026, the Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC), and National Credit Union Administration (NCUA) issued interagency guidance reminding the financial…
Consumer Financial Services Law Monitor
Regulators Signal Heightened Scrutiny of Lending to Non-Work Authorized Borrowers
By Lori Sommerfield, Chris Willis, Taylor Gess, Lane Page
Yesterday, the federal banking regulators issued new interagency guidance directing supervised financial institutions to take a closer look at credit risk when lending to individuals who are not legally authorized…