Consumer Finance Monitor
Blog
To keep you informed of the latest developments in the rapidly evolving regulation of consumer financial services, we have expanded the scope of our award-winning CFPB Monitor blog. Our new Consumer Finance Monitor features the State CFS Monitor to cover important state agency and attorney general developments and the Federal CFS Monitor to cover important developments at the FTC, the FCC, the DOJ and the federal bank regulatory agencies (OCC, FDIC, FRB, and NCUA). And, of course, it also includes our flagship CFPB Monitor, which continues to provide unparalleled coverage of the CFPB.
You can find news segmented by agency to the right. Or you can follow all new developments below. As always, you can count on us to deliver the breaking news and insightful analysis you need to stay agile and informed. Source
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Media Outlet details
| Scope | National, Trade/B2B |
|---|---|
| Language | English |
| Country | United States of America |
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Recent Articles
Search ArticlesPodcast Release: SpaceX’s Novel Shareholder Dispute-Resolution Bylaws Could Have Far-Reaching Implications
The SpaceX IPO generated enormous attention for obvious reasons. It was the largest IPO in history, and the company’s stock price initially surged after trading began. But an important legal development associated with the IPO has received considerably less attention: SpaceX adopted an unusually comprehensive shareholder dispute-resolution regime (the “Regime”) in its bylaws.
Third District Court Rejects OLC’s Interpretation of CFPB Funding Statute
Judge Aiken Holds That “Combined Earnings” Means Federal Reserve Revenue, Not Profit In a September 25, 2026, decision, Judge Ann Aiken of the U.S. District Court for the District of Oregon became the third federal district judge to reject the Office of Legal Counsel’s interpretation of the statutory mechanism Congress established to fund the Consumer Financial Protection Bureau. In State of New York v.
Rohit Chopra’s California Move: What Has He Done So Far—and What Does It Tell Us About His Agenda?
When Rohit Chopra left the Consumer Financial Protection Bureau earlier this year, there was considerable speculation about what he would do next. In May, Governor Gavin Newsom provided the answer: Chopra would become the inaugural Secretary of California’s newly created Business & Consumer Services Agency (BCSA). Chopra was sworn in on July 1.
FDIC Proposes Rule to Establish Parity Between State and National Banks in Applying Host-State Laws
The FDIC has proposed a rule interpreting Section 24(j) of the Federal Deposit Insurance Act, enacted as part of The Riegle-Neal Interstate Branching and Banking Efficiency Act of 1994, to provide parity between out-of-State state and national banks insofar as preempting host state laws even when the out-of-state, state bank provides services in a host State without maintaining a physical branch.
Podcast Release: AI in Debt Collection: Opportunities, Risks, and the Importance of Data Governance
Artificial intelligence is rapidly transforming consumer financial services, and consumer debt collection is no exception. AI already is being used in a variety of first-party and third-party consumer debt collection activities, ranging from account scoring and communication strategies to payment-plan optimization and compliance monitoring.
House Financial Services Committee Approves Legislation to Place CFPB Under Congressional Appropriations Process
The House Financial Services Committee on September 16 approved H.R. 10184, the Consumer Financial Protection Accountability and Reform Act of 2026, by a 28-21 vote. The legislation, sponsored by Rep. Andy Barr (R-Ky.), would make significant changes to the structure, funding, rulemaking, supervision, enforcement, and other authorities of the Consumer Financial Protection Bureau (CFPB). Most significantly, the bill would place the CFPB under the congressional appropriations process.
Senate Banking, Housing, and Urban Affairs Committee to Vote Tomorrow on Brian Johnson’s Nomination to Become Director of the CFPB
The Senate Banking, Housing, and Urban Affairs Committee (Committee) has scheduled an Executive Session for Thursday, September 17, 2026, at 10:00 a.m. in Dirksen Senate Office Building, Room 538. The agenda expressly includes: The Committee states that the session will not be webcast. A confirmation hearing for Johnson took place on July 23. Thursday’s meeting will be the Committee’s consideration/vote on his nomination, along with the other nominations listed above.
FTC Bureau of Consumer Protection Creates New Mechanism for Industry Input on FTC Rules
The Federal Trade Commission’s Bureau of Consumer Protection has created a new process that could provide businesses and other stakeholders with a meaningful avenue for raising concerns about the FTC’s consumer protection rules. The premise is straightforward. If an FTC rule is unclear, conflicts with another legal requirement, or otherwise presents a significant problem, the agency should know about it.
MBA Sues New Jersey Over Disparate Impact Rule
The Mortgage Bankers Association (MBA) recently filed a lawsuit in the U.S. district court for the district of New Jersey challenging the disparate impact rules adopted by the state. In December 2025, the New Jersey Division on Civil Rights (DCR) adopted Rules Pertaining to Disparate Impact Discrimination under the New Jersey Law Against Discrimination. In a press release announcing the adoption of the Rules, then New Jersey Attorney General Matthew J.
CSBS Supports DIDMCA Legislation as House Committee Prepares to Mark Up Bill
Executive Summary The Conference of State Bank Supervisors (CSBS), the nationwide organization representing state banking and financial regulators, has endorsed legislation that would clarify a critical issue concerning the scope of Section 525 of the Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDMCA).