In response to the nation’s consumer, business, and governmental financial woes, a judicial backlash is developing wherein the financial services industry is increasingly being held accountable for strict, rather than substantial, compliance with existing laws. The days of “business as usual” are surely a thing of the past; financial institutions must keep abreast of changes to what their local judiciary once accepted as common practices. The attached client alert is designed to focus your attention on recent judicial pronouncements with respect to these formerly unchallenged common practices.