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Gotcha-free exams

Ballard Spahr LLP
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USA
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January 7 2013

I am at the ABA Consumer Financial Services Committee's meeting in Naples, Florida. (There is record attendance at this year's meetingnearly 225

Let’s hear from Academic Research Council members

Ballard Spahr LLP
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USA
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October 4 2012

The first meeting of the CFPB’s new Academic Research Council, which was held on July 27, 2012, was not open to the public

Either way, we all pay

Ballard Spahr LLP
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USA
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October 17 2011

In an article in this weekend’s Cleveland Plain Dealer entitled Congress Fiddles While Anger at Wall Street Burns: Plain Dealing, business columnist Sheryl Harris takes Senate Republicans to task for not confirming Richard Cordray to lead the Bureau

Dodd-Frank clarifies limited reach of FCRA

Ballard Spahr LLP
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USA
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August 2 2011

Dodd-Frank’s definition of “financial product or service” clarifies that those offering public records information retrieval or fraud prevention services are not only outside the reach of the Bureau, but also not subject to the FCRA

Consumer Financial Protection Bureau launches Web site

Ballard Spahr LLP
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USA
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February 4 2011

The Consumer Financial Protection Bureau (CFPB), created by the Dodd-Frank Wall Street Reform and Consumer Protection Act, which does not have official authority until the designated transfer date, July 21, 2011, has launched its Web site at

CFPB supervision of non-banks will not begin after July 21, 2011, unless and until a director is confirmed

Ballard Spahr LLP
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USA
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January 26 2011

On January 10, 2011, the Inspectors General of the Department of the Treasury and Federal Reserve Board wrote to Rep. Spencer Bachus (R-Ala.), Chair of the House Committee on Financial Services, and Rep. Judy Biggert (R-Ill.), Chair of the Subcommittee on Insurance, Housing and Community Opportunity, to respond to their numerous questions about Treasury’s activities to establish the Consumer Financial Protection Bureau

U.S. Supreme Court rules card issuer not required to send TILA notice to charge discretionary default rate

Ballard Spahr LLP
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USA
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January 26 2011

Resolving a conflict in the circuits, on January 24, 2011, a unanimous U.S. Supreme Court ruled, in Chase Bank USA, N.A. v. McCoy, that under the Truth in Lending Act (TILA) and Regulation Z as they existed at the time, Chase Bank was not required to notify its cardholder when it increased the interest rate on his account because of his default

Third Circuit rules FDCPA applies to communications with a debtor’s attorney

Ballard Spahr LLP
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USA
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January 13 2011

The U.S. Court of Appeals for the Third Circuit has ruled that the federal Fair Debt Collection Practices Act (FDCPA) applies to a debt collector’s communications with the debtor’s attorney

FDIC announces final supervisory expectations for overdraft programs

Ballard Spahr LLP
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USA
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November 30 2010

The Federal Deposit Insurance Corporation has issued Final Overdraft Payment Supervisory Guidance through Financial Institution Letter FIL-81-2010

Banks should expect more scrutiny of relationships with payment processors, telemarketers, internet merchants

Ballard Spahr LLP
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USA
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April 22 2010

It is no surprise

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