Regulating the Cost of Consumer Credit in 2021 and Beyond: How the Tension Between Federal and State Priorities in a Post-Election America May Shape the Consumer Credit Industry for Years to Come [CC]

This program will explore the tension between federal and state regulation of consumer credit.

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Topics include the True Lender and Valid When Made rules, impact of the Fintech Charter and potential rate exportation and preemption, additional state laws imposing interest rate caps on consumer credit products and concurrent federal and state jurisdiction to enforce federal consumer financial protection laws. The focus will be on the potential impact on core consumer credit regulations, including disclosure of the finance charge, what constitutes a finance charge, when a finance charge is "hidden" and how these approaches impact the cost and availability of credit.

This program will also explore how these developments may impact the consumer credit industry, including what products are offered, how and by whom.

Moderators

Lauren E Campisi

Panelists

Brian Johnson, Lisa Madigan, Maria Vullo

Co-sponsors

Consumer Financial Services

Product Code

CL2101CFSW1OLC

Duration

Publication Date

1/27/2021 12:00:00 AM

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Regulating the Cost of Consumer Credit in 2021 and Beyond: How the Tension Between Federal and State Priorities in a Post-Election America May Shape the Consumer Credit Industry for Years to Come [CC]

Regulating the Cost of Consumer Credit in 2021 and Beyond: How the Tension Between Federal and State Priorities in a Post-Election America May Shape the Consumer Credit Industry for Years to Come [CC]

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