John L. Culhane, Jr.’s articles from Ballard Spahr LLP are most popular: within Consumer Protection topic(s) with Senior Company Executives, HR and Finance and Tax Executives with readers working within the Insurance industries The CFPB has rescinded a December 2020 advisory opinion that addressed Special Purpose Credit Programs (SPCP) offered by for-profit entities that use the common characteristics of race, color, national origin, or sex, or any combination thereof, as eligibility criteria.