In this episode of Moving the Metal: The Auto Finance Podcast, Brooke Conkle and Chris Capurso break down recent state-law developments affecting auto dealers and finance companies in California and Massachusetts. The...more
11/11/2025
/ Arbitration Agreements ,
Automotive Loans ,
California ,
Consumer Protection Laws ,
Disclosure Requirements ,
Fees ,
Financial Services Industry ,
New Legislation ,
Preemption ,
Regulatory Requirements ,
State Legislatures
In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso dive into the latest Experian auto finance quarterly report to explore the latest trends in auto finance for the second...more
In this episode of Moving the Metal: The Auto Finance Podcast, Brooke Conkle and Chris Capurso delve into recent legislative changes affecting the auto finance industry in Connecticut and Oregon. They discuss Connecticut's...more
On October 6, Governor Gavin Newsom signed into law the California Combating Auto Retail Scams (CARS) Act. This legislation aims to fortify consumer protections and enhance transparency in the car-buying process. The...more
10/9/2025
/ Add-ons ,
Advertising ,
Automotive Industry ,
California ,
Car Dealerships ,
CARS Rule ,
Disclosure Requirements ,
Federal Trade Commission (FTC) ,
Marketing ,
Motor Vehicles ,
New Legislation ,
Regulatory Reform ,
Regulatory Requirements ,
Transparency ,
Unfair or Deceptive Trade Practices
On September 15, Oregon Governor Tina Kotek signed into law House Bill 3178, introducing new requirements for auto dealers in the state. This legislation aims to standardize certain aspects of auto finance transactions,...more
10/1/2025
/ Auto Lease ,
Automotive Industry ,
Buyers ,
Car Dealerships ,
Dealers ,
Disclosure Requirements ,
Financial Regulatory Reform ,
Financial Services Industry ,
Financing ,
Motor Vehicles ,
New Legislation ,
Oregon ,
Retail Installment Sales Contracts ,
Transparency
In this episode of Moving the Metal, hosts Brooke Conkle and Chris Capurso from Troutman Pepper Locke's Consumer Financial Services Practice Group are joined by Chris Willis to explore the Consumer Financial Protection...more
On September 15, the Court of Appeals of the State of Washington reversed a lower court’s decision in Aaland v. CRST Home Solutions, LLC (CRST), holding that unsolicited text messages sent to recruit independent contractors...more
In this episode of Moving the Metal: The Auto Finance Podcast, Brooke Conkle and Chris Capurso discuss California SB 766, known as the California CARS Rule. They explore the bill's amendments, including changes to...more
On July 28, the New Jersey Division of Consumer Affairs issued a reminder to more than 3,000 auto dealerships regarding their obligations under the New Jersey data deletion law, N.J.S.A. § 56:12-18.1. This law, enacted and...more
8/14/2025
/ Automotive Industry ,
Car Dealerships ,
Consumer Privacy Rights ,
Data Deletion ,
Data Management ,
Data Privacy ,
Internet of Things ,
Motor Vehicles ,
New Jersey ,
NIST ,
Office of Consumer Affairs ,
Regulatory Requirements
In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso are joined by Brian Casey, a partner in Troutman Pepper Locke's Insurance, Transactional, and Regulatory Practice Group....more
On July 24, Oregon Governor Tina Kotek signed House Bill 3865 (HB 3865) into law, introducing significant changes to the regulation of telephone solicitations within the state. This new legislation narrows the permissible...more
8/1/2025
/ Consumer Privacy Rights ,
Debt Collectors ,
Financial Services Industry ,
New Legislation ,
Opt-Outs ,
Regulatory Reform ,
Robocalling ,
State and Local Government ,
State Privacy Laws ,
Telecommunications ,
Telemarketing ,
Telephone Privacy Protection Acts ,
Text Messages ,
Unsolicited Phone Calls
In this episode of Moving the Metal: The Auto Finance Podcast, Brooke Conkle and Chris Capurso from Troutman Pepper Locke's Consumer Financial Services Practice Group examine the current status of the Federal Trade...more
On July 8, a panel for the U.S. Court of Appeals for the Eighth Circuit issued a significant decision in the case of Custom Communications, Inc. v. Federal Trade Commission (FTC). The panel vacated the FTC’s amended Negative...more
In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso are joined by colleagues Kim Phan and Aileen Ng for a deep dive into the Federal Trade Commission's (FTC) Safeguards Rule...more
7/8/2025
/ Automotive Industry ,
Automotive Loans ,
Biden Administration ,
Cybersecurity ,
Data Breach ,
Data Security ,
Federal Trade Commission (FTC) ,
Financial Institutions ,
Gramm-Leach-Blilely Act ,
Safeguards Rule ,
Trump Administration
Yesterday, Federal Communications Commissioner Olivia Trusty announced the appointment of several members to her team stating, “I am pleased to announce the talented individuals who will be joining my team. Each brings a...more
In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso delve into the intricacies of "doc" fees in vehicle transactions, focusing on recent legislative developments in California...more
6/24/2025
/ Automotive Industry ,
Automotive Loans ,
California ,
Consumer Protection Laws ,
Dealerships ,
Disclosure Requirements ,
Fees ,
Financial Services Industry ,
Louisiana ,
New Legislation ,
Regulatory Reform
In this special crossover episode between Moving the Metal and The Consumer Finance Podcast, Brooke Conkle, Chris Capurso, and Chris Willis analyze the first 100 days of the second Trump administration, focusing on its impact...more
In response to the Federal Communications Commission’s (FCC) request for input on unnecessary compliance burdens, the debt collection industry, led by ACA International, is advocating for significant reforms to the Telephone...more
6/13/2025
/ Debt Collection ,
Deregulation ,
FCC ,
FDCPA ,
Proposed Rules ,
Regulatory Agenda ,
Regulatory Reform ,
Regulatory Requirements ,
Robocalling ,
TCPA ,
Telecommunications ,
Wireless Industry
On June 5, the U.S. Supreme Court dismissed a writ of certiorari as improvidently granted, leaving unresolved a significant question regarding class-action certification under Federal Rule of Civil Procedure 23. The question...more
6/12/2025
/ Americans with Disabilities Act (ADA) ,
Appeals ,
Appellate Courts ,
California ,
Civil Rights Act ,
Class Action ,
Class Members ,
Damages ,
Disability Discrimination ,
Dissenting Opinions ,
FRCP 23 ,
Mootness ,
Petition for Writ of Certiorari ,
SCOTUS ,
Uninjured Class Members ,
Unruh Civil Rights Act
In this special crossover episode between Moving the Metal and The Consumer Finance Podcast, Brooke Conkle, Chris Capurso, and Chris Willis analyze the first 100 days of the second Trump administration, focusing on its impact...more
In a recent decision, the U.S. Court of Appeals for the Second Circuit clarified the expectations for furnishers when investigating consumer disputes under the Fair Credit Reporting Act (FCRA). In Suluki v. Credit One Bank,...more
6/5/2025
/ Appeals ,
Consumer Complaint Management ,
Consumer Financial Products ,
Credit Cards ,
Credit Reporting Agencies ,
Credit Reports ,
Fair Credit Reporting Act (FCRA) ,
Financial Services Industry ,
Identity Theft ,
Investigations ,
Lenders ,
Summary Judgment
On May 16, Florida Governor Ron DeSantis signed into law CS/CS/SB 232, aimed at refining debt collection practices within the state. Among other things, the amendment to the Florida Consumer Collection Practices Act clarifies...more
In this episode of Moving the Metal: The Auto Finance Podcast, Brooke Conkle and Chris Capurso explore the Consumer Financial Protection Bureau's (CFPB) recent memo detailing its supervision and enforcement priorities for...more
On May 2, Virginia Governor Glenn Youngkin signed Senate Bill 1212 (SB 1212) into law, introducing new requirements and prohibitions under the Virginia Consumer Protection Act. Specifically, SB 1212 targets the disclosure of...more
5/8/2025
/ Consumer Financial Products ,
Disclosure Requirements ,
Federal Trade Commission (FTC) ,
Fees ,
Financial Regulatory Reform ,
Financial Services Industry ,
New Legislation ,
Popular ,
Regulatory Reform ,
Regulatory Requirements ,
State and Local Government ,
Suppliers ,
Surcharges ,
Virginia
As of April 27, 2025, the Federal Trade Commission (FTC) had not filed a petition for a writ of certiorari to appeal the Fifth Circuit’s decision vacating the Combating Auto Retail Scams Trade Regulation Rule (CARS Rule). The...more
5/6/2025
/ Administrative Procedure Act ,
Appeals ,
Automotive Industry ,
Car Dealerships ,
CARS Rule ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
Motor Vehicles ,
Regulatory Agenda ,
Regulatory Reform ,
Rulemaking Process ,
Scams ,
Statute of Limitations ,
Unfair or Deceptive Trade Practices ,
Vacated