Senate Democrats have introduced new legislation aimed at fully restoring and insulating the Consumer Financial Protection Bureau’s (CFPB) funding structure, reigniting a long-running debate over the agency’s independence and future authority. The proposal, unveiled this week by a group of ...

Vermont has joined a growing cohort of states enacting protections against coerced debt, marking a significant development in consumer protection policy and bringing the total number of states with such safeguards to nine. As states continue to fill perceived gaps ...

The Chapel v. AmeriCredit Financial Services, Inc. decision underscores how broadly worded auto finance arbitration clauses can force Fair Credit Reporting Act (FCRA) disputes out of federal court and into private arbitration, even when consumers argue fraud, unconscionability, or lack ...

The Justice Department’s Antitrust Division and the Federal Trade Commission are at a pivotal moment in antitrust enforcement. With the withdrawal of the longstanding 2000 Collaboration Guidelines in December 2024, and the launch of a joint inquiry into new guidance ...

Homes Becoming Commercial Infrastructure The concept of placing mini data centers and distributed AI computer nodes inside residential homes may appear innovative from an energy efficiency perspective, but it introduces significant security, privacy, governance, and liability concerns. What is effectively ...

For decades, debt collection was treated as a numbers game. More dials, more letters, more pressure. That model is breaking down, and not because banks have suddenly become sentimental about it. It is breaking down because the economics no longer ...

Supreme Court Upholds FCC’s Authority to Issue Fines, Preserving Key Enforcement Tool The U.S. Supreme Court has affirmed the Federal Communications Commission’s (FCC) authority to impose monetary penalties for regulatory violations, delivering a significant ruling that preserves one of the ...

Colorado’s Supreme Court has held that debt buyers cannot rely on affidavits to cure missing assignment documentation required by the Colorado Fair Debt Collection Practices Act (CFDCPA), reversing a judgment in favor of Portfolio Recovery Associates (PRA) and remanding for ...

Revolut is expanding its card security offering with the introduction of numberless debit and credit cards across both Visa and Mastercard networks, a move designed to reduce fraud risk and align with growing consumer demand for safer payment credentials. Revolut ...