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CFPB Issues Bulletin About Auto Repossession, Congressional Republicans Respond

March 24, 2022 By John Redding and Patrick Eagan-Van Meter

CFPB logo on screen

A&B Abstract: The Consumer Financial Protection Bureau (“CFPB” or the “Bureau”) recently released a Bulletin addressing the repossession of vehicles and alerting market participants to what it views as those market participants’ legal obligations … [Continue reading] about CFPB Issues Bulletin About Auto Repossession, Congressional Republicans Respond

Filed Under: Consumer Financial Protection Bureau (CFPB), Repossession, Unfair, Deceptive and Abusive Acts or Practices (UDAAP) Tagged With: #CFPB, UDAAP

New York Amends Contact Requirements for Certain Delinquent Borrowers

March 10, 2022 By Morey Barnes Yost

Home mortgage

A&B ABstract: On February 24, Governor Kathy Hochul signed into law Assembly Bill 8771 (2022 N.Y. Laws 48), amending single point of contact requirements for certain delinquent borrowers.  What changes does the measure require for servicer … [Continue reading] about New York Amends Contact Requirements for Certain Delinquent Borrowers

Filed Under: Mortgage Loans, Mortgage Servicing, State Law Tagged With: #New York

CFPB’s SBREFA Outline on Automated Valuation Models Rekindles Debate over Disparate Impact Liability under the ECOA

February 26, 2022 By Brian Johnson and Melissa Malpass

CFBP on google search result

Section 1473(q) of the Dodd-Frank Act (now codified at 12 U.S.C. § 3354(q)) amended the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (“FIRREA”) to instruct the CFPB, Fed, OCC, FDIC, NCUA, and FHFA (collectively, the … [Continue reading] about CFPB’s SBREFA Outline on Automated Valuation Models Rekindles Debate over Disparate Impact Liability under the ECOA

Filed Under: Consumer Financial Protection Bureau (CFPB), Dodd-Frank Act, Equal Credit Opportunity Act (ECOA), Supreme Court Decisions Tagged With: #CFPB, Fair Lending

Fourth Circuit Rules That a Mortgage Servicer Can Be Liable for FDCPA Violations Even if Not Subject to the FDCPA

February 24, 2022 By Josh Dhyani

FDCPA book on a table.

A&B ABstract: Putative class action plaintiffs recently prevailed on appeal in a case involving mortgage servicing fees charged to Maryland borrowers. In doing so, the opinion opens the door for FDCPA liability for all mortgage servicing … [Continue reading] about Fourth Circuit Rules That a Mortgage Servicer Can Be Liable for FDCPA Violations Even if Not Subject to the FDCPA

Filed Under: Circuit Court Decisions, Debt Collection, Fair Debt Collection Practices Act (FDCPA), Mortgage Servicing, State Law Tagged With: #FDCPA, #mortgageservicing

Update regarding the BrightSpeed payment processor case

January 19, 2022 By Brian Johnson

On January 18, after approximately fourteen months of settlement negotiations, the CFPB announced that it secured a settlement agreement with BrightSpeed Solutions, Inc., a third-party payment processor that had ceased operations nearly three years … [Continue reading] about Update regarding the BrightSpeed payment processor case

Filed Under: Consumer Financial Protection Bureau (CFPB), Dodd-Frank Act Tagged With: #CFPB

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