News & Analysis as of

Consumers

A&O Shearman

BoE Launch Of Three Engagement Forums On Retail Payments

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The Bank of England (BoE) has announced the launch of three new engagement forums under the Retail Payments Infrastructure Board as part of its National Payments Vision, aimed at informing the development of the UK's next...more

Ballard Spahr LLP

CFPB Private Education Loan Ombudsman receives record number of complaints

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The CFPB received about 22,900 complaints about private and federal student loans between July 1, 2024, and June 30, 2025, the highest level the Bureau has received in a one-year period, the CFPB’s Private Education Loan...more

Ballard Spahr LLP

Trump Takes on Swipe Fees: What He Said and Why It Matters

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In a Truth Social post, President Trump backed a bill called the Credit Card Competition Act (sometimes called the Durbin-Marshall credit card mandate), saying it will help put an end to what he calls “out-of-control swipe...more

DLA Piper

2025: A Year In Retrospect - UK Restructuring

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A year ago we were poised for turbulence, cautious of the effect the new US administration, ongoing transformation of post-pandemic consumer behaviours, and conflicts in Europe and the Middle East might have on global...more

Arnall Golden Gregory LLP

Retail 2026 First Look: Flashing Red Lights and Retail Adaptations

Key Takeaways - Redevelopment leads retail strategy in 2026. Owners are prioritizing existing assets and mixed-use projects as new construction costs remain volatile....more

Troutman Pepper Locke

What the CFPB’s New Buy Now, Pay Later Market Report Shows

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The Consumer Financial Protection Bureau (CFPB or Bureau) released a new market “data spotlight” on Buy Now, Pay Later (BNPL) that uses actual transaction data from six large providers of “pay-in-four” BNPL loans. The report...more

Hogan Lovells

UK FCA Discusses Possible Changes to Its Rules Regarding Consumer Access to Investments

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The FCA has published a discussion paper in which it considers possible changes to its rules regarding consumer access to investments and invites feedback from consumers and the industry to help it formulate future policy. ...more

Kelley Drye & Warren LLP

New York’s Algorithmic Pricing Disclosure Law Takes Effect

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New York Attorney General Letitia James recently announced that on November 10, 2025, New York’s Algorithmic Pricing Disclosure Act (the ​“Act”) officially took effect. Codified at N.Y. Gen. Bus. Law § 349-a, the Act requires...more

Sheppard Mullin Richter & Hampton LLP

Pennsylvania Attorney General Secures $750,000 Settlement Over “Negative Option” Collectibles Sales

On October 30, the Pennsylvania Office of Attorney General announced a $750,000 settlement with a collectibles company resolving allegations that the business used deceptive “negative option” subscription features in...more

Ballard Spahr LLP

In Labcorp v. Davis, Supreme Court Passes on Chance to Clarify Issue of Uninjured Class Members

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The U.S. Supreme Court last week declined to resolve a potentially landmark issue in class action law. In the closely watched case of Laboratory Corporation of America Holdings v. Davis, the Court delivered a per curiam...more

Sheppard Mullin Richter & Hampton LLP

FTC and DOJ File Amended Complaint Against Cash Advance Fintech

On December 30, the Department of Justice (DOJ), at the Federal Trade Commission’s (FTC) referral, filed an amended complaint against an online cash advance provider. The complaint now names the company’s CEO as a defendant,...more

Searcy Denney Scarola Barnhart & Shipley

Protecting Yourself from Dangerous Products: Tips for Consumers

Dangerous products are far more common than they should be. Despite manufacturers’ and retailers’ obligations to avoid putting dangerous products on the market, numerous people suffer serious and fatal injuries caused by...more

A&O Shearman

UK Financial Conduct Authority sets out focus areas for Consumer Duty

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The Financial Conduct Authority has set out its priorities under the Consumer Duty for the remainder of 2024 and for 2025. The FCA's priorities include embedding the Consumer Duty and raising standards, enhancing...more

A&O Shearman

UK Financial Conduct Authority publishes guidance on firms' approaches to Consumer Duty board reports

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The Financial Conduct Authority has published its findings following a thematic review into firms' approaches to completing the first annual Consumer Duty board report. Under the Duty, a firm must prepare a report for its...more

White & Case LLP

Navigating the Evolving Era of Greenwashing Regulations in the Fashion Industry

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In recent years, sustainability and ESG compliance have become pivotal factors in consumer purchasing decisions. The fashion industry – from luxury to high street brands to online fast fashion retailers – as a significant...more

Perkins Coie

Senate Bill 940 Changes Consumer Arbitrations in California

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California Senate Bill 940 (SB 940) goes into effect on January 1, 2025.  SB 940 introduces new restrictions and requirements that will change how consumer disputes are arbitrated in California. The law has potentially...more

Davis Wright Tremaine LLP

FCC Issues NOI on Broadband Data Caps

On October 15, 2024, the Federal Communications Commission (FCC) issued a Notice of Inquiry (NOI) seeking information about broadband providers' current use of data caps in both the fixed and mobile broadband service markets...more

Husch Blackwell LLP

Americans’ Growing Appetite for Risk and Shrinking Responsiveness to Potential Product Issues

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Over one-third of Americans (36%) now report that they would continue to use products even after a recall, according to recent data collected by MasterControl, a provider of quality management and manufacturing software. The...more

Bennett Jones LLP

Differences in Consumer Protection Legislation Continue to Deter National Consumer Protection Based Class Actions

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The Supreme Court of British Columbia’s recent December 2023 decision in MacKinnon v Pfizer Canada Inc. (MacKinnon) illustrates that certifying a national class action against product manufacturers based on breaches of...more

Wilson Sonsini Goodrich & Rosati

FCC Issues Notice of Proposed Rulemaking Regarding the Use of AI-Generated Technologies for Consumer Communications

The Federal Communications Commission (FCC) recently issued a unanimous Notice of Proposed Rulemaking and Notice of Inquiry targeting the use of AI-related technologies for communicating with consumers. In the proposed rule,...more

BakerHostetler

Money, Money, Money - How Does the FTC Get Money Back to Consumers?

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For those of you enjoying the summer weather and listening to ABBA on repeat (or maybe that’s just me), you might have missed that earlier this month the Federal Trade Commission (FTC) released its Annual Report on Refunds to...more

Ankura

Ankura Monthly Economic Indicators Overview - April 2024

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The economy grew at a moderate pace in Q4 2023, with inflation ticking up slightly in March, with core CPI rising 3.8%. U.S. consumer sentiment remains stable, with steady spending despite some pockets of weakness. Disposable...more

Shipkevich PLLC

Credit Card Rewards Programs Oversight – The Next Notch in the CFPB’s Payments Space Regulatory Belt

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In another move highlighting the Consumer Financial Protection Bureau's (the “Bureau” or “CFPB”) continued focus on the payments space, the CFPB has issued a new report finding consumers are encountering numerous problems...more

Sheppard Mullin Richter & Hampton LLP

CFPB Targets Credit Card Rewards Programs

On May 9, the CFPB issued a new report highlighting the issues consumers encounter with credit card rewards programs. The report was released in conjunction with a hearing co-hosted with the Department of Transportation and...more

Klein Moynihan Turco LLP

States Revisit Their Continuity Billing Laws

In the wake of increasing continuity billing practice complaints, the Federal Trade Commission (“FTC”) is again taking a hard look at the space. The FTC has once again reviewed its 1973 Negative Option Rule, which was...more

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