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Articles by Tom Laser
What CFPB Disparate Impact Proposal Means For Lenders
On Nov. 12, the Consumer Financial Protection Bureau issued a proposed rule to modify various provisions of the Equal Credit Opportunity Act.... To view the full article, register now.
What CFPB Disparate Impact Proposal Means For Lenders
By Tom Laser, Francis Riley and Jason McElroy ( November 26, 2025, 11:30 AM EST) -- On Nov. 12, the Consumer Financial Protection Bureau issued a proposed rule to modify various provisions of the Equal Credit Opportunity Act.... Law360 is on it, so you are, too. A Law360 subscription puts you at the center of fast-moving legal issues, trends and developments so you can act with speed and confidence.
Illinois AI Regulations – The Passing of the Torch From Federal to State Legislatures to Ensure the Safe Expansion of AI Software Into American Life | JD Supra
A Shifting Landscape From Federal to State Leadership Over the past two years, federal efforts to regulate artificial intelligence (AI) have taken two sharply different paths, first toward structured oversight under the Biden administration, then toward deregulation under the Trump administration. The shift toward a free-market deregulation approach has placed responsibility of the future of AI regulation—at least for the near-term—primarily in the hands of the states.
CFPB v. Townstone Financial - 7th Circuit Expands Equal Credit Opportunity Act Claims to “Potential Applicants” in Redlining Victory for Consumer Financial Protection Bureau | Saul Ewing LLP - JDSupra
On July 11, 2024, the U.S. Court of Appeals for the 7th Circuit held in Bureau of Consumer Financial Protection v. Townstone Financial, Inc., that the Equal Credit Opportunity Act (“ECOA”) prohibits discriminatory conduct, comments or remarks directed at both actual and prospective applicants for credit.
CFPB and Other Federal Agencies Enact New Rule to Regulate Use of Automated Valuation Models for Mortgage Transactions | JD Supra
On July 1, 2024, the Consumer Financial Protection Bureau (“CFPB”)—the primary federal watchdog of the consumer finance industry—along with several other federal agencies, approved a new rule to regulate the use of automated valuation models (“AVMs”) affecting the mortgage industry.
U.S. Supreme Court Upholds CFPB’s Funding Mechanism as Constitutional | JD Supra
On May 16, 2024, the United States Supreme Court issued its highly anticipated decision in Consumer Financial Protection Bureau v. Community Financial Services Association of America, determining once and for all that the Consumer Financial Protection Bureau’s (“CFPB”) self-funding mechanism is not unconstitutional.
Mallory v. Norfolk Southern Railway—A Crossroads of Consent and Corporate Jurisdiction | JD Supra
July 20, 2023 To embed, copy and paste the code into your website or blog: On June 27, 2023, the U.S. Supreme Court decided that states can require corporations registered in their state to consent to be sued in the state as a condition of doing business there—even if the facts of a lawsuit occurred several states away and the corporation is not "at home" in the state—without violating the corporation's due-process rights. In Mallory v.
Abusive Policy Statement | JD Supra
Since its inception, the Consumer Financial Protection Bureau (“CFPB”) has issued policy statements around its authority to root out, stop and prevent unfair and deceptive acts pursuant to the Unfair, Deceptive and Abusive (“UDAAP”) provision of the Consumer Financial Protection Act (“CFPA”), specifically 12 U.S.C. 5521(d). These statements have both followed and preceded action by the CFPB which it asserted were consistent with the meaning of those terms and the scope of its related authority.
CFPB v. Law Offices of Crystal Maroney | JD Supra
On March 23, 2023, the U.S. Court of Appeals for the Second Circuit held that the Consumer Financial Protection Bureau’s (the “CFPB”) funding structure is constitutional. The Second Circuit’s three-judge unanimous panel decision in the case, captioned Consumer Financial Protection Bureau v. Law Offices of Crystal Maroney, P.C., represents a split from the October 19, 2022 decision from the Fifth Circuit in Consumer Financial Services Association of America Ltd. v.
United Ruling Helps Shape Force Majeure Scope Amid COVID - Law360
By Tom Laser, Jared Hawk and Elizabeth Thompson Law360 is providing free access to its coronavirus coverage to make sure all members of the legal community have accurate information in this time of uncertainty and change. Use the form below to sign up for any of our weekly newsletters. Signing up for any of our section newsletters will opt you in to the weekly Coronavirus briefing.
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