State AGs in the Driver’s Seat: Auto Finance Enforcement in the Trump 2.0 Era — Moving the Metal: The Auto Finance Podcast
New Year, New Surprises? 2026 Resolutions for Dealers and Auto Finance Companies — Moving the Metal: The Auto Finance Podcast
State Law Roundup: Arbitration Changes and Junk Fee Rules in California and Massachusetts — Moving the Metal: The Auto Finance Podcast
Quarterly Insights: Driving Through Q2 Auto Finance Data — Moving the Metal: The Auto Finance Podcast
Driving New Standards With California's CARS Rule — Moving the Metal: The Auto Finance Podcast
The Current State of the Holder Rule: Friend or Foe? — Moving the Metal: The Auto Finance Podcast
Driving Digital Security: The FTC's Safeguards Rule Explained — Moving the Metal: The Auto Finance Podcast
Doc Fees Decoded: The Price of Paperwork in Auto Sales — Moving the Metal: The Auto Finance Podcast
Cruising Through Change: The Auto-Finance Industry’s New Era Under Trump Unveiled — The Consumer Finance Podcast
Cruising Through Change: The Auto-Finance Industry’s New Era Under Trump Unveiled — Moving the Metal: The Auto Finance Podcast
Driven by Data: Auto Finance Trends Uncovered - Moving the Metal: The Auto Finance Podcast
Shifting Gears: Adapting to Regulatory Changes in Auto Finance — Moving the Metal: The Auto Finance Podcast
Dialing In: The TCPA and Auto Finance — Moving the Metal: The Auto Finance Podcast
Requiem for the Rules: The Rise and Fall of the Junk Fee and CARS Rules — Moving the Metal: The Auto Finance Podcast
From Federal to Local: CFPB’s Blueprint for State Regulators — Moving the Metal: The Auto Finance Podcast
2024 Year in Review: Key Developments in Auto Finance — Moving the Metal: The Auto Finance Podcast
Auto Finance Under the Microscope: Unpacking Landmark FTC and AG Settlements — Moving the Metal: The Auto Finance Podcast
2024 Privacy Trends and Their Impact on Auto Finance – Moving the Metal: The Auto Finance Podcast
Lemon Law Shakeup: Rodriguez vs. FCA US Has Unexpected Result – Moving The Metal Podcast
CFPB's Supervisory Highlights on Auto-Finance and Auto-Servicing — Moving the Metal: The Auto Finance Podcast
One of the new deductions available to taxpayers as part of the One Big Beautiful Bill Act signed into law on July 4, 2025, is a new deduction for interest paid on automobile loans....more
In the Dear CEO letter (October 2025) the FCA set out their expectations of firms with regards early preparation. Although they referenced their understanding of the challenges firms may face by stating...more
The UK Financial Ombudsman Service (FOS) has published its Q3 2025/26 complaints data, revealing a notable decline in case volumes to 47,300 complaints, down from 68,400 cases in the same period in 2024/25. This includes a...more
In this article, we share a timeline of monthly "bites" for the past year applicable to consumers protected by nondiscrimination and military protection laws....more
In this episode of Moving the Metal, hosts Brooke Conkle and Chris Capurso are joined by Troutman colleagues Chris Carlson and Nam Kang from the firm’s RISE Practice Group to unpack what “Trump 2.0” really means for dealers...more
In this episode of Moving the Metal: The Auto Finance Podcast, hosts Brooke Conkle and Chris Capurso lay out a practical set of 2026 resolutions for dealers and auto finance companies. Chris breaks down why state law...more
700Credit, a Michigan-based company that runs credit checks and identification verification services for automobile dealerships nationwide, has announced that an “integrated partner” was compromised, allowing a bad actor to...more
We've written before about how the federal government in 2025 appears to be deprioritizing enforcement of consumer protection laws. However, just because the federal government deprioritizes some areas of enforcement doesn't...more
The UK Financial Conduct Authority (FCA) has published a progress statement on its proposed motor finance consumer redress scheme consultation, following the UK Supreme Court ruling on 1 August. In the statement, the FCA...more
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
On October 28, the U.S. Court of Appeals for the 9th Circuit affirmed the lower court’s entry of summary judgment in favor of a law firm in a case alleging violations of the FDCPA related to collection efforts on a used car...more
Colorado Governor Jared Polis signed a special session bill on August 28 moving the effective date of the Colorado Artificial Intelligence Act to June 30, 2026. ...more
On 7 October 2025, the FCA published its much anticipated consultation paper (CP 25/27) on a proposed industry-wide redress scheme for motor finance customers deemed to have been treated unfairly due to inadequate disclosure...more
Late last month, California Attorney General Rob Bonta, along with Democrat attorneys general from 18 other states and the District of Columbia, sent multiple letters to the Consumer Protection Financial Bureau opposing...more
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 an unpublished case, the U.S. Court of Appeals for the Third Circuit held that actions to obtain a judgment and enforce that judgment in a collection lawsuit filed outside the statute of limitations do not create a...more
Shortly after markets closed on 7 October 2025, the FCA published its consultation on a proposed motor finance redress scheme (the Scheme). It is also consulting on extending the deadline for firms to send a final response to...more
On September 22, a coalition of 19 state attorneys general (AGs) issued four letters to the CFPB urging the Bureau to withdraw proposed rules that the AGs allege would “dramatically shrink the Bureau’s supervisorial...more
A group of 19 Democratic AGs sent letters to the CFPB opposing proposals that would narrow the Bureau’s oversight in certain markets and reduce the number of companies subject to regulation. In their letters regarding...more
Tricolor Situation Overview - Tricolor Auto Acceptance, LLC (“Tricolor”), founded in 2007, is a “buy here-pay here” (“BHPH”) subprime auto finance company. This means that it is both an auto dealer and an auto finance...more
On September 16, Oregon Governor Tina Kotek announced the signings of three new consumer protection laws: (i) SB 605, which prohibits medical service providers from reporting the amount or existence of medical debt to a...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
The Supreme Court has recently handed down its much-anticipated judgment in the ‘Motor Finance litigation’. The three joined appeals had become one of the most closely followed cases of this year and last. Overturning the...more
The Consumer Financial Protection Bureau has issued advance notices of proposed rulemaking seeking public comment on whether to revise the thresholds that define “larger participants” in key consumer financial industries....more
Earlier this month, the CFPB issued four separate advance notices of proposed rulemaking with respect to rules that give the CFPB authority over nonbank companies in the auto finance, international money transfer, debt...more