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Voluntary Protection Product Refunds: The Buck Stops Where?

USA - November 30 2018 Here's a common situation: A consumer has financed a GAP policy and pays off the financing ahead of schedule. Is the consumer entitled to a refund? If…

L. Jean Noonan

Attacks on Payday Lending: Ballot Initiatives, Legislation, and Attorney General Enforcement

USA - November 30 2018 On October 26, 2018, the Bureau of Consumer Financial Protection issued a public statement announcing that it intends to issue proposed rules in…

K. Dailey Wilson

Implied Warranty Disclaimers: When They Work and When They Don't

USA - May 31 2017 As a compliance attorney, I often advise clients about the need to limit their advertising claims and contractual promises. In a world where such…

South Dakota Adopts Limits on "All-In" 36% Rate Cap

USA - March 31 2017 In March, South Dakota passed two pieces of legislation limiting the application of the "all-in" 36% rate cap approved by South Dakota voters as part…

South Dakota Voters Approve 36% Rate Cap on Money Lender Licensees

USA - November 30 2016 On November 8, 2016, the United States elected Donald Trump to be our next president. In South Dakota, voters also approved a ballot measure imposing…