CFPB Issues Interpretive Rule Preempting State Medical Debt Reporting Bans. On October 28, the CFPB issued an interpretive rule expressing that the Fair Credit Reporting Act (FCRA) generally preempts state laws that touch on...more
11/5/2025
/ California Consumer Privacy Act (CCPA) ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Reporting Agencies ,
Cryptocurrency ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
Medical Debt ,
New Regulations ,
Notice of Proposed Rulemaking (NOPR) ,
Online Safety for Children ,
Preemption ,
Regulatory Requirements ,
State Attorneys General ,
Subscription Services
FTC and Nevada AG Obtain Temporary Restraining Order and Asset Freeze Against Tax Debt Relief Company, Its Affiliates, and Its Operators for Allegedly Deceptive Practices. On October 6, the FTC and Nevada Attorney General...more
10/22/2025
/ Asset Freeze ,
California Consumer Privacy Act (CCPA) ,
Consumer Protection Laws ,
Data Breach ,
Debt Relief ,
Debt-Relief Industry ,
Department of Financial Protection and Innovation (DFPI) ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
FTC Act ,
Non-Compete Agreements ,
Request For Information ,
State Attorneys General ,
Telemarketing ,
Telemarketing Sales Rule ,
Unfair or Deceptive Trade Practices
FTC Seeks Comment on Proposed Strategic Plan. On September 26, the FTC announced that it is seeking public comment on the agency’s Draft Strategic Plan for Fiscal Years 2026-2030. The FTC’s strategic plan is updated every...more
10/9/2025
/ Comment Period ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Protection Act ,
Consumer Protection Laws ,
COPPA ,
Department of Justice (DOJ) ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
Final Rules ,
Non-Compete Agreements ,
Online Safety for Children ,
Proposed Rules ,
Reporting Requirements ,
Request For Information ,
ROSCA ,
State Attorneys General
On September 24, 2025, the White House Office of Science and Technology Policy (OSTP) issued a Request for Information (RFI), Regulatory Reform on Artificial Intelligence, seeking comment on federal statutes and regulations...more
9/30/2025
/ Artificial Intelligence ,
Comment Period ,
Emerging Technologies ,
Government Agencies ,
Innovation ,
Innovative Technology ,
OSTP ,
Public Comment ,
Regulatory Agencies ,
Regulatory Reform ,
Regulatory Requirements ,
Request For Information ,
Trump Administration
CFPB Publishes Semiannual Regulatory Agenda. On September 22, the CFPB published its Semiannual Regulatory Agenda as part of the Spring 2025 Unified Agenda of Federal Regulatory and Deregulatory Actions, which is coordinated...more
9/24/2025
/ Artificial Intelligence ,
Bots ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Privacy Rights ,
Consumer Protection Laws ,
Data Privacy ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
FTC Act ,
Non-Compete Agreements ,
Online Safety for Children ,
Proposed Rules ,
Regulation V ,
Regulatory Agenda ,
Scams ,
State Attorneys General ,
State Privacy Laws ,
Unfair or Deceptive Trade Practices
Since returning from its August recess, Congress’ flurry of activity has included a focus on artificial intelligence (AI), among other priorities. In particular, last week saw two key developments that illustrate a desire on...more
9/16/2025
/ Artificial Intelligence ,
China ,
Congressional Committees ,
Government Agencies ,
Innovation ,
Innovative Technology ,
Machine Learning ,
National Security ,
New Legislation ,
OSTP ,
Popular ,
Regulatory Oversight ,
Regulatory Reform ,
Senate Committees ,
Technology Sector
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), and the state level. Check out our new FTC Consumer...more
9/10/2025
/ Artificial Intelligence ,
Automatic Renewals ,
California ,
Cease and Desist Orders ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Protection Laws ,
COPPA ,
Data Privacy ,
Department of Justice (DOJ) ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
Fraudulent Marketing ,
FTC Act ,
Misleading Impressions ,
Non-Compete Agreements ,
Online Marketplace ,
Popular ,
State Attorneys General ,
Unfair or Deceptive Trade Practices
FTC Chairman Sends Warning Letters to Technology Companies Regarding Data Security and Censorship. On August 21, FTC Chairman Andrew Ferguson sent warning letters to thirteen technology companies that provide cloud computing,...more
8/27/2025
/ Censorship ,
Cloud Computing ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Privacy Rights ,
Consumer Protection Laws ,
Data Privacy ,
Data Security ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
Regulatory Requirements ,
Scams ,
State Attorneys General ,
Technology Sector ,
Unfair or Deceptive Trade Practices
Federal and State Regulatory Announcements-
CFPB Seeks Comment on New Thresholds for Larger Participants in the Automobile Financing, Consumer Reporting, International Money Transfer, and Debt Collection Markets. On August...more
8/13/2025
/ Advanced Notice of Proposed Rulemaking (ANPRM) ,
Automotive Industry ,
Comment Period ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Reporting Agencies ,
Coronavirus/COVID-19 ,
Debt Collection ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
FTC Act ,
Money Transfer ,
Paycheck Protection Program (PPP) ,
Robocalling ,
Scams ,
State Attorneys General ,
Unfair or Deceptive Trade Practices
FTC Obtains Temporary Restraining Order and Asset Freeze Against Seven Debt Relief Companies and Their Owners for Allegedly Deceptive Practices. On July 14, the FTC filed a complaint and motion for temporary restraining order...more
7/30/2025
/ Asset Freeze ,
Consumer Protection Laws ,
Debt Relief ,
Disclosure Requirements ,
Employee Training ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
Federal Trade Commission (FTC) ,
Financial Institutions ,
Financial Services Industry ,
Fraud ,
FTC Act ,
Reimbursements ,
State Attorneys General ,
Telemarketing ,
Unfair or Deceptive Trade Practices
On July 23, 2025, the White House released the much anticipated AI Action Plan (Action Plan), along with three accompanying Executive Orders (EO). The Action Plan—entitled Winning the Race: America’s AI Action...more
7/25/2025
/ Artificial Intelligence ,
Cybersecurity ,
Cybersecurity Information Sharing Act (CISA) ,
Data Centers ,
Department of Homeland Security (DHS) ,
Executive Orders ,
Exports ,
Federal Trade Commission (FTC) ,
Infrastructure ,
Innovation ,
National Security ,
OSTP ,
Popular ,
Regulatory Reform ,
Trump Administration ,
U.S. Commerce Department
On July 18, President Trump signed into law the Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025 (the GENIUS Act) establishing a regulatory framework for digital assets classified as payment...more
7/24/2025
/ Anti-Money Laundering ,
Compliance ,
Cryptocurrency ,
Digital Assets ,
Enforcement ,
Federal Reserve ,
Financial Institutions ,
Financial Regulatory Reform ,
FinTech ,
New Legislation ,
Regulatory Requirements ,
Stablecoins ,
The GENIUS Act ,
Trump Administration
FTC Sends Warning Letters Regarding Potential Noncompliance With “Made in USA” Requirements. On July 8, the FTC sent letters to a flagpole retailer, footwear maker, football equipment company, and personal care products...more
7/16/2025
/ Advertising ,
California ,
California Consumer Privacy Act (CCPA) ,
Compliance ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Protection Laws ,
Data Privacy ,
Enforcement Actions ,
False Advertising ,
Federal Trade Commission (FTC) ,
Financial Institutions ,
Made in the USA ,
Manufacturers ,
Military Lending Act ,
Product Labels ,
Regulatory Requirements ,
Retailers ,
State Attorneys General ,
Telecommunications ,
Telemedicine ,
Unfair or Deceptive Trade Practices ,
Warning Letters
New York Legislature Passes FAIR Business Practices Act. On June 18, the New York state legislature passed the Fostering Affordability and Integrity through Reasonable Business Practices Act (FAIR Business Practices Act),...more
7/2/2025
/ Advertising ,
Algorithms ,
Artificial Intelligence ,
California ,
Consumer Protection Laws ,
Cryptocurrency ,
Department of Financial Protection and Innovation (DFPI) ,
Enforcement Actions ,
FTC Act ,
New Legislation ,
New York ,
State Attorneys General ,
Telecommunications ,
Texas ,
Unfair or Deceptive Trade Practices
On June 22, 2025, Texas Governor Greg Abbott signed the Texas Responsible Artificial Intelligence Governance Act (TRAIGA or the Texas AI Act) into law. The new law goes into effect January 1, 2026. The law places obligations...more
6/24/2025
/ Algorithms ,
Artificial Intelligence ,
Biometric Information ,
Corporate Counsel ,
Data Privacy ,
Enforcement ,
Enforcement Actions ,
Governance Standards ,
Government Agencies ,
Governor Abbott ,
Machine Learning ,
New Legislation ,
NIST ,
Privacy Laws ,
Regulatory Requirements ,
State and Local Government ,
State Attorneys General ,
State Privacy Laws ,
Texas
Wiley also has launched a Trump Administration Resource Center and Resource Guide to track Executive branch priorities during the second Administration of President Trump. With Wiley’s deep-rooted understanding of Washington...more
6/18/2025
/ Consumer Financial Protection Bureau (CFPB) ,
Consumer Protection Laws ,
Debt Collection ,
Enforcement Actions ,
False Advertising ,
Federal Trade Commission (FTC) ,
New Legislation ,
Settlement ,
Social Media ,
State Attorneys General ,
Unfair or Deceptive Trade Practices
Wiley also has launched a Trump Administration Resource Center and Resource Guide to track Executive branch priorities during the second Administration of President Trump. With Wiley’s deep-rooted understanding of Washington...more
Wiley also has launched a Trump Administration Resource Center and Resource Guide to track Executive branch priorities during the second Administration of President Trump. With Wiley’s deep-rooted understanding of Washington...more
5/22/2025
/ Consumer Financial Products ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Protection Laws ,
EFTA ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
Federal Trade Commission (FTC) ,
Filing Deadlines ,
Proposed Rules ,
Regulatory Agenda ,
Regulatory Requirements ,
State Attorneys General
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and at the state level. CFPB activity continues to be...more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and at the state level. CFPB activity continues to be...more
4/24/2025
/ California ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Privacy Rights ,
Consumer Protection Laws ,
Data Privacy ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
Financial Services Industry ,
Privacy Laws ,
Regulatory Reform ,
Regulatory Requirements ,
Scams ,
State Attorneys General ,
Trump Administration
In a significant shift in enforcement strategy, the U.S. Department of Justice (DOJ) disbanded its National Cryptocurrency Enforcement Team (NCET), effective immediately. According to the April 7 memo announcing the decision,...more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and at the state level. CFPB activity continues to be...more
4/10/2025
/ Consumer Financial Protection Bureau (CFPB) ,
Consumer Protection Laws ,
Cryptocurrency ,
Data Privacy ,
Debt Collection ,
Department of Financial Protection and Innovation (DFPI) ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
Regulatory Requirements ,
State Attorneys General ,
Unfair or Deceptive Trade Practices
On April 3, the Office of Management and Budget (OMB) released two much-anticipated memos that will impact the use and procurement of artificial intelligence (AI) by the federal government, signaling an appetite to move...more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). CFPB activity continues to be scaled back in the...more
Welcome to Wiley’s update on recent developments and what’s next in consumer protection at the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC). In this newsletter, we analyze recent regulatory...more
2/27/2025
/ Comment Period ,
Consumer Financial Protection Bureau (CFPB) ,
Consumer Protection Laws ,
Data Brokers ,
Data Privacy ,
Enforcement Actions ,
Fair Credit Reporting Act (FCRA) ,
Federal Trade Commission (FTC) ,
Mergers ,
Proposed Rules ,
Regulatory Agenda ,
Rulemaking Process ,
Trump Administration