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Information Reports Consumer Financial Protection Bureau

Smith Debnam Narron Drake Saintsing & Myers,...

CFPB Issues Semi Annual Report to Congress

The CFPB has issued its Semi-Annual Report to Congress for the time period beginning April 1, 2018 and ending September 30, 2018. The Report is the first issued by newly confirmed Director Kathy Kraninger and outlines the...more

Weiner Brodsky Kider PC

CFPB Publishes 2019 Reportable HMDA Data Reference Chart

by Weiner Brodsky Kider PC on

The CFPB recently published the Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart for HMDA Data Collected in 2019. While not binding, the chart is meant to be used as a helpful reference tool with...more

Goodwin

CFPB Releases Assessment Reports Analyzing the Ability to Repay and RESPA Servicing Rules

by Goodwin on

On January 10, 2019, the CFPB issued a press release regarding two recently-released reports, which analyze the efficacy of the Ability to Repay Rule (ATR), and the RESPA Servicing Rule (Servicing Rule). The assessment...more

Weiner Brodsky Kider PC

The CFPB Announces Addition to the 2017 HMDA Dynamic National Loan-Level Dataset and the Aggregate & Disclosure Reports

by Weiner Brodsky Kider PC on

The CFPB recently announced the availability of the 2017 HMDA Dynamic National Loan-Level Dataset and the Aggregate & Disclosure reports, which are now available on the FFIEC HMDA Platform Data Publication web page....more

Dorsey & Whitney LLP

CFPB Publishes Semiannual Report to Congress: Dorsey Partner Quoted in American Banker Article, “It ‘Would Stab a Knife’ into...

by Dorsey & Whitney LLP on

American Banker quoted Dorsey & Whitney partner Jenny Lee in an article reporting on the legal community’s response to the Consumer Financial Protection Bureau’s latest semiannual report to Congress. In the report, CFPB...more

Goodwin

CFPB Publishes State-by-State Snapshot of Consumer Complaints

by Goodwin on

On June 27, 2017, the Consumer Financial Protection Bureau (CFPB) published a state-by-state breakdown of consumer complaints that have been filed with the CFPB. The snapshot—which is contained in the June 2017 edition of the...more

Nutter McClennen & Fish LLP

Nutter Bank Report, June 2017

by Nutter McClennen & Fish LLP on

Supreme Court: Bank That Buys Debt for Its Own Account Is Not Debt Collector - The U.S. Supreme Court recently held that a bank that collects on debts it has bought and holds “for its own account” is not a debt collector...more

Goodwin

CFPB Examines Complaints Filed By Older Consumers

by Goodwin on

On May 31, 2017, the Consumer Financial Protection Bureau (CFPB) issued its Monthly Complaint Report, this month complaints by consumer aged 62 and older. The CFPB drew its analysis of more than 103,100 complaints from its...more

Goodwin

CFPB’s Monthly Complaint Report Spotlights Debt Collection Issues, Trends in Credit Card Complaints

by Goodwin on

On March 28, 2017, the Consumer Financial Protection Bureau (CFPB) released Volume 21 of its Monthly Complaint Report (the “Report”). The purpose of the Report is, in part, to educate consumers and financial institutions on...more

Smith Debnam Narron Drake Saintsing & Myers,...

CFPB Complaint Report Returns to Debt Collection

The CFPB recently issued its monthly report of consumer complaints and turned its focus back to debt collection. The Report is a high level snapshot of trends in consumer complaints and provides a summary of the volume of...more

Ballard Spahr LLP

CFPB issues tenth Semi-Annual Report

by Ballard Spahr LLP on

The CFPB has issued its tenth Semi-Annual Report to the President and Congress covering the period April 1, 2016 through September 30, 2016....more

Goodwin

CFPB Releases Status Update Regarding Fall 2016 Rulemaking Agenda

by Goodwin on

On December 2, 2016, the Consumer Financial Protection Bureau (CFPB) released a status update regarding various initiatives that were proposed in its fall 2016 rulemaking agenda. The update provides readers with an overview...more

Ballard Spahr LLP

CFPB issues 2016 Plain Writing Act Compliance Report

by Ballard Spahr LLP on

The CFPB has issued its 2016 Plain Writing Act Compliance Report. Under the PWA, federal “executive agencies,” including the CFPB, are required to use plain language in documents that: are necessary for obtaining information...more

Ballard Spahr LLP

ABA challenges CFPB use of generic clearance for overdraft research

by Ballard Spahr LLP on

The American Bankers Association has sent a comment letter to the CFPB challenging the Bureau’s use of the generic clearance process to conduct research in connection with its overdraft rulemaking. The letter was submitted...more

Dorsey & Whitney LLP

The Beginning of the End of Arbitration Clauses in Consumer Finance Contracts?

by Dorsey & Whitney LLP on

Are contractual arbitration clauses harmful to consumers of financial products and services? The Consumer Financial Protection Bureau (the “CFPB”) appears to think so. On March 10, 2015, the CFPB released its 2015 Arbitration...more

Ballard Spahr LLP

CFPB supervisory report highlights violations in consumer reporting, debt collection, student loan servicing, mortgage origination...

by Ballard Spahr LLP on

In its Summer 2015 Supervisory Highlights, which covers supervision work generally completed between January and April 2015, the CFPB highlights legal violations resolved using non-public supervisory actions involving...more

Ballard Spahr LLP

CFPB update on student loan complaints continues to highlight co-signer release issues

by Ballard Spahr LLP on

The CFPB has issued a “Mid-year update on student loan complaints” that analyzes the approximately 3,100 private student loan complaints received by the CFPB betweenOctober 1, 2014 and March 31, 2015. The update also analyzes...more

Ballard Spahr LLP

CFPB issues seventh Semi-Annual Report

by Ballard Spahr LLP on

The CFPB has issued its seventh Semi-Annual Report to the President and Congress covering the period from October 1, 2014 through March 31, 2015. The 190-page report recycles information from previously-issued CFPB reports...more

MoFo Reenforcement

CFPB Again Reports on Reports

by MoFo Reenforcement on

Just last week we posted about the CFPB’s report on consumers without credit reports or with limited credit histories. This week, the CFPB has turned its attention to consumers with reports — specialty consumer reports....more

Davis Wright Tremaine LLP

CFPB: The “Credit Invisibles” and Alternative Data

by Davis Wright Tremaine LLP on

On May 5, 2015, the CFPB published a report, Data Point: Credit Invisibles, finding that 26 million Americans (as of December 2010, and out of 189 million Americans with scorable credit records), or one in every ten, do not...more

Ballard Spahr LLP

CFPB Issues Study on Credit Reports; Next Steps are Unknown

by Ballard Spahr LLP on

The CFPB recently released a report that documents the results of a research project undertaken by the CFPB’s Office of Research to better understand the demographic characteristics of consumers without traditional credit...more

Ballard Spahr LLP

Report from SBREFA Panel on Payday, Title and Installment Loans

by Ballard Spahr LLP on

Wednesday, I had the opportunity to participate as an advisor to a small entity representative (“SER”) at the small business review panel on payday, title and installment loans. The meeting was held in the Treasury Building’s...more

Ballard Spahr LLP

CFPB issues third servicemembers complaints report and suggests practices for handling servicemember accounts

by Ballard Spahr LLP on

The CFPB has issued its third snapshot of complaints received from servicemembers, veterans and their families (“servicemember complaints”). The report covers complaints received from July 21, 2011 through December 31,...more

Morrison & Foerster LLP

CFPB Releases Reverse Mortgage Report; Issues Advisory In Response to Complaints

by Morrison & Foerster LLP on

On February 9th, the CFPB released a report highlighting consumer complaints regarding reverse mortgages. The report covers 1,200 reverse mortgage complaints received between December 1, 2011, and December 31, 2014, or...more

Ballard Spahr LLP

CFPB Report Explores Consumers’ Mortgage Shopping Experience

by Ballard Spahr LLP on

In a report released on January 13, 2015, the Consumer Financial Protection Bureau announced that nearly half of consumers do not shop among multiple lenders before applying for a mortgage loan. Even fewer—about one of every...more

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