Montoya Ho-Sang

Montoya Ho-Sang

Baker Donelson

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CFPB's October Complaint Snapshot Focuses on Credit Card Complaints

The Consumer Financial Protection Bureau (CFPB) has been taking complaints from consumers about all financial service products, including credit cards, since its inception on July 21, 2011. As of October 1, 2015, the CFPB has...more

11/16/2015 - CFPB Consumer Complaint System Consumer Financial Products Credit Cards Financial Institutions Popular

CFPB Shifts Focus to Auto Lending Industry

Auto lenders and servicers be advised: the Consumer Financial Protection Bureau (CFPB) turns its lonely eyes to you. On June 17, 2015, the CFPB brought an action in the Southern District of Ohio against Security National...more

7/16/2015 - Automotive Industry Automotive Loans CFPA CFPB Compliance Debt Collection Deceptive Intent Financial Institutions Lenders Military Service Members Non-Bank Lenders Predatory Lending Third-Party Service Provider US Bank

Have You Checked Your Vendor Agreements Lately?

In April 2012, the CFPB released a bombshell on financial institutions – not only could they be held responsible for any violations of consumer protection laws, but now they could also be held responsible for the actions of...more

4/10/2015 - CFPB Consumer Lenders Financial Institutions Third-Party Liability Third-Party Service Provider

State Attorneys General Bringing Actions Under Dodd-Frank

As the CFPB celebrates its three-year anniversary, the current trend appears to be lawsuits brought by state attorneys general or state regulators pursuant to their authority under Dodd-Frank Section 1042. Under Section 1042,...more

8/5/2014 - Attorney Generals Automotive Loans CFPB Credit Reporting Agencies Dodd-Frank Enforcement Experian For Profit Colleges Interest Rates Marketing Popular State Regulators Student Loans UDAAP Unfair or Deceptive Trade Practices

Fidelity Mortgage Consent Order Sends Strong Message the CFPB Will Enforce Laws, No Matter Size of Violator

On January 16, 2014, the CFPB issued a Consent Order resolving a claim that Fidelity Mortgage Corporation (Fidelity), a mortgage lender, and its president, Mark Figert, violated RESPA Section 8 by paying illegal kickbacks to...more

3/21/2014 - CFPB Consent Order Enforcement Actions Fidelity Bank Mortgages

CFPB Mortgage Servicing and Origination Examining Procedures

The beginning of 2014 marked the implementation of new rules for mortgage servicers, lenders and brokers. According to CFPB Director Richard Cordray in his testimony before the House Financial Services Committee, the goal...more

2/26/2014 - CFPB Mortgage Loan Originators Mortgage Loan Servicing Standards Mortgages

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