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Sirote & Permutt PC | USA | 25 Feb 2020
BACK TO BASICS, Continued—What Does “All-In” APR Mean Anyway?
I have written a few times about Annual Percentage Rate (APR) and the role it plays in consumer finance disclosures. I explained here how the…
Sirote & Permutt PC | USA | 3 Dec 2019
BACK TO BASICS, Continued—The Case Against a 36% Rate Cap
The Federal Reserve Board defines APR as the cost of credit over time. The reality is that APR is only meaningful as a measurement tool for comparison…
Squire Patton Boggs | USA | 9 Apr 2019
M&A News: Recent Case Provides Important Lessons For Buyers Acquiring Unionized Businesses (US)
When organizations are seeking to expand their operations, they often will find interesting targets who have union-represented employees. A union's…
Squire Patton Boggs | USA | 8 Apr 2019
Recent Case Provides Important Lessons For Buyers Acquiring Unionized Businesses
When healthcare entities are seeking to expand their operations, they often will find interesting targets who have union-represented employees. A…
Venable LLP | USA | 27 Mar 2019
Regulatory Considerations for Point-of-Sale Financing
For decades, point-of-sale (POS) financing has been a common option for large consumer sales, including for appliances, furniture, and automobiles…
Manatt Phelps & Phillips LLP | USA | 14 Feb 2019
Small-Dollar Lending: State AGs Offer FDIC Advice, CA DBO Takes Action
Small-dollar lending made headlines recently, with a group of 14 Attorneys General responding to the Federal Deposit Insurance Corporation's (FDIC)…
Mayer Brown | USA | 5 Feb 2019
CFPB Requests Legislative Clarification on Its Supervision Authority over Military Lending Act
While most of the federal government remained shuttered in mid-January, the Consumer Financial Protection Bureau (CFPB or the Bureau) was on the job…
Sirote & Permutt PC | USA | 2 Jan 2019
Back to Basics, Continued—maintaining multiple accounts with the same customer.
Generally speaking, it is not a good idea to maintain two or more loans or installment sales contracts with the same customer at the same time. Here…
Manatt Phelps & Phillips LLP | USA | 19 Dec 2018
California DBO Seeks Help With SB 1235
The California Department of Business Oversight (DBO) has started the process of developing regulations to implement SB 1235, which imposes new…
Manatt Phelps & Phillips LLP | USA | 27 Nov 2018
State Update: Enforcement, Oversight by States Continues
State Attorneys General continue to fill the federal enforcement void, with the Pennsylvania attorney general soliciting redlining complaints and the…
