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Articles by Jeffrey Hare
California AB 2116: Licensing Requirements Extended To Small Business Commercial Financing Providers Including Factoring Companies; Unlicensed Agreements Are Unenforceable
Beginning January 1, 2028, covered commercial financing agreements will be unenforceable unless the provider is licensed or has submitted a complete license application and is awaiting a decision. Beginning July 1, 2028, providers and brokers of small business commercial financing (offers of $500,000 or less) generally may not engage in that business without a license under the California Financing Law (CFL), subject to the pending-application exception.
California AB 2116:Licensing Requirements Extended To Small Business Commercial Financing Providers Including Factoring Companies; Unlicensed Agreements Are Unenforceable | JD Supra
Key points Beginning January 1, 2028, covered commercial financing agreements will be unenforceable unless the provider is licensed or has submitted a complete license application and is awaiting a decision. Beginning July 1, 2028, providers and brokers of small business commercial financing (offers of $500,000 or less) generally may not engage in that business without a license under the California Financing Law (CFL), subject to the pending-application exception.
Bank Regulatory News and Trends - September 2025 | JD Supra
This regular publication from DLA Piper focuses on helping banking and financial services clients navigate the ever-changing regulatory landscape. In this edition: Board and policy changes possible at the Federal Reserve. CFPB puts data-sharing rule on hold, seeks public input on redraft. President Trump signs Executive Order on debanking. New Texas law on sales-based financing takes effect September 1, 2025.
“Fair Banking” Executive Order Targets Politicized Debanking and Reputational Risk | JD Supra
On August 7, 2025, President Donald Trump issued an Executive Order entitled “Guaranteeing Fair Banking for all Americans” (EO).
“Fair banking” Executive Order targets politicized debanking and reputational risk: Compliance steps for financial institutions
On August 7, 2025, President Donald Trump issued an Executive Order entitled “Guaranteeing Fair Banking for all Americans” (EO).
Bank Regulatory News and Trends - May 2025 | JD Supra
This regular publication from DLA Piper focuses on helping banking and financial services clients navigate the ever-changing regulatory landscape. In this edition: “De-Banking” and the elimination of reputational risk. Fed rescinds guidance on bank crypto-related activities, joining FDIC and OCC. CFPB staffing “back and forth.” Lawmakers seek CFPB budget cuts in budget reconciliation. House Financial Services Republicans call for Biden-era regulations to be withdrawn.
Bank Regulatory News and Trends | JD Supra
This regular publication from DLA Piper focuses on helping banking and financial services clients navigate the ever-changing regulatory landscape. In this edition: CFPB issues final rule on personal financial data rights causing mixed reactions from trade groups. FDIC approves guidance on bank mergers as Justice Department withdraws from 1995 Bank Merger Guidelines; major industry group expresses opposition to FDIC policy statement.
Bank Regulatory News and Trends
This regular publication from DLA Piper focuses on helping banking and financial services clients navigate the ever-changing regulatory landscape. In this edition: Community Reinvestment Act final rule published. Treasury announces CDFI certification application updates. Financial Services Chair Patrick McHenry will not seek re-election. Fed to gather more data, agencies extend comment period on large bank capital proposals. Comment period extended on long-term debt proposal for large banks.
A Breakdown Of The OCC's New Venture Lending Pointers
ADVERTISEMENT Don't want ads? Subscribe or login now. By Matt Schwartz and Jeffrey Hare (November 30, 2023, 10:36 AM EST) -- On Nov. 1, the Office of the Comptroller of the Currency issued a bulletin to all banks under its regulations that are involved, or are considering involvement, in venture lending, or what the OCC refers to as "commercial loans to early-, expansion-, and late-stage companies."[1]...
Bank Regulatory News and Trends
This regular publication from DLA Piper focuses on helping banking and financial services clients navigate the ever-changing federal and state regulatory landscape. In this edition: FinCEN releases proposed rule on beneficial ownership access. OCC releases bank supervision operating plan. OCC announces new fintech office. FDIC proposes rule on signage and advertising requirements. Arizona Attorney General opinion on earned wage access. OCC warns banks on cyber, crypto, climate and other risks.
Buy-now-pay-later: what do I need to know?
What is BNPL? Buy now, pay later (BNPL) is point-of-sale finance that allows consumers to spread payments for single purchases over a few installments. It is typically available for lower-value purchases and allows payments to be spread across a few months. This differentiates it from more traditional forms of point-of-sale credit for large one-off payments or store cards that offer a credit line. BNPL has been offered on digital channels but is becoming available for in-store use.
New York Department of Financial Services calls on financial institutions to consider climate change risk
Scott R. Wilson | Jeffrey L. Hare | Jesse Medlong | Dante Alessandri In a recent letter, the New York State Department of Financial Services (NYDFS) called on state-regulated financial institutions to integrate climate-related financial risks into their governance frameworks, risk management processes, and business strategies. Investors increasingly view climate as an area of business risk, and this confirms regulators are beginning to view it as a supervisory risk as well.
Bank Regulatory News And Trends
To print this article, all you need is to be registered or login on Mondaq.com. This regular publication from DLA Piper focuses on helping banking and financial services clients navigate the ever-changing federal regulatory landscape. FDIC issues deposit insurance application guidelines for banks that are not traditional community banks.
Bank Regulatory News And Trends
To print this article, all you need is to be registered or login on Mondaq.com. This regular publication from DLA Piper focuses on helping banking and financial services clients navigate the ever-changing federal regulatory landscape. FDIC issues deposit insurance application guidelines for banks that are not traditional community banks.
Agencies Propose Amendments To Volcker Rule's Coverage Over Covered Funds
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Bank Regulatory News And Trends
Mondaq Ltd requires you to register and provide information that personally identifies you, including your content preferences, for three primary purposes (full details of Mondaq’s use of your personal data can be found in our Privacy and Cookies Notice): Mondaq hopes that our registered users will support us in maintaining our free to view business model by consenting to our use of your personal data as described below. Mondaq has a "free to view" business model.
Bank Regulatory News and Trends
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Fintech regulation in the USA | Lexology
Use the Lexology Navigator tool to compare the answers in this article with those from other jurisdictions. Regulatory issues Regulatory approach How would you describe the regulatory policy for fintech products and services in your jurisdiction? While the US government generally supports fintech innovation, it heavily regulates financial products and services provided to consumers – although this generally focuses on the contracting process and the delivery of information.
Fintech financing, investment and government support in the USA | Lexology
Global, USA
January 24 2019 Use the Lexology Navigator tool to compare the answers in this article with those from other jurisdictions. Financing, investment and government support Government support Does the government provide any incentives or support programmes to promote fintech innovation in your jurisdiction (eg, tax incentives, grants and regulatory sandboxes)?
Fintech in the USA | Lexology
Use the Lexology Navigator tool to compare the answers in this article with those from other jurisdictions. General climate and trends General innovation climate What is the general state of fintech innovation in your jurisdiction, including any notable trends, innovations, innovators and future prospects? The United States is home to a vast variety of fintech companies and initiatives.
Bank Regulatory News and Trends | JD Supra
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Bank Regulatory News and Trends | JD Supra
Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra: Already signed up? Log in here By using the service, you signify your acceptance of JD Supra provides users with access to its legal industry publishing services (the "Service") through its website (the "Website") as well as through other sources.
Treasury's framework to relax and "improve" the Volcker Rule: key recommended changes
On Monday, the US Treasury Department issued a fairly detailed report ("A Financial System That Creates Economic Opportunities – Banks and Credit Unions") of proposed changes to financial regulation primarily stemming from the Dodd-Frank Act.
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