Home equity products enable homeowners to unlock the value of their homes through a variety of financing contracts. Each product has distinct features, benefits, and risks. In this post, we compare and contrast common home...more
10/21/2025
/ Borrowers ,
Closed-End Loans ,
Consumer Financial Products ,
Consumer Protection Laws ,
HELOC ,
Home Equity Line of Credit ,
Homeowners ,
Loans ,
Mortgage Servicers ,
Mortgages ,
Real Estate Transactions ,
Regulation Z ,
RESPA ,
Reverse Mortgages ,
Truth in Lending Act (TILA)
The Consumer Financial Protection Bureau’s (CFPB) latest proposed rule to define risks to consumers may appear technical, but its implications reach far beyond the narrow mechanics of supervisory designation. By binding...more
A new Mississippi law, known as the Walker Montgomery Protecting Children Online Act, has prompted several companies to block Mississippi IP addresses from accessing their platforms. In fact, social media company Bluesky...more
9/5/2025
/ Constitutional Challenges ,
Enforcement ,
First Amendment ,
New Legislation ,
Online Platforms ,
Online Safety for Children ,
Parental Consent ,
Penalties ,
Regulatory Requirements ,
SCOTUS ,
Social Media ,
State Privacy Laws ,
Verification Requirements
July 1 marked the official enforcement date of the Tennessee Information Protection Act (TIPA), the state’s comprehensive consumer privacy law. Signed into law in 2023, TIPA grants consumers specific rights concerning their...more
8/8/2025
/ Consumer Privacy Rights ,
Data Controller ,
Data Privacy ,
Data Processors ,
Data Protection Impact Assessments (DPIAs) ,
New Legislation ,
Personal Information ,
Privacy Laws ,
Regulatory Requirements ,
Sensitive Personal Information ,
State Privacy Laws ,
Tennessee
Encryption is one of several cornerstones of a robust information security program. Articles on quantum computing often include the compelling narrative that encryption is at risk, but as with any revolutionary technology,...more
In this week’s installment of our blog series on the U.S. Department of Health and Human Services’ (HHS) HIPAA Security Rule updates in its January 6 Notice of Proposed Rulemaking (NPRM), we are exploring the proposed updates...more
In this week’s installment of our blog series on the U.S. Department of Health and Human Services’ (HHS) HIPAA Security Rule updates in its January 6 Notice of Proposed Rulemaking (NPRM), we are exploring the proposed updates...more
2/13/2025
/ Cybersecurity ,
Data Privacy ,
Data Security ,
Department of Health and Human Services (HHS) ,
Electronic Protected Health Information (ePHI) ,
Health Insurance Portability and Accountability Act (HIPAA) ,
HIPAA Security Rule ,
NPRM ,
Popular ,
Privacy Laws ,
Regulatory Agenda ,
Regulatory Requirements ,
Risk Management
Proposed regulations may require employers to invest additional resources to safeguard group health plan participants’ protected health information.
In this installment of our blog series on the U.S. Department of Health...more
1/30/2025
/ Benefit Plan Sponsors ,
Business Associates ,
Cybersecurity ,
Data Privacy ,
Data Security ,
Department of Health and Human Services (HHS) ,
Electronic Protected Health Information (ePHI) ,
Health Insurance Portability and Accountability Act (HIPAA) ,
HIPAA Security Rule ,
NPRM ,
PHI ,
Reporting Requirements
The final text of the amended Negative Option Rule, featuring the new “Click to Cancel” program, goes into effect this week on Wednesday, January 15, 2025, and should become enforceable approximately four months later on...more
1/14/2025
/ Amended Rules ,
California ,
Compliance ,
Consumer Protection Laws ,
Corporate Counsel ,
Enforcement Actions ,
Federal Trade Commission (FTC) ,
Final Rules ,
FTC Act ,
Regulatory Reform ,
State Attorneys General ,
Unfair or Deceptive Trade Practices