Consumer Protection

CFPB Rulemaking: Auto Financing, Debt Collection, Consumer Reporting

The CFPB is considering new rules to define larger participants in the automobile financing, consumer debt collection, and international money transfer markets. These actions are part of the Bureau's rulemaking process to address key consumer financial markets.

CFPB, FRB, OCC Announce 2026 Higher-Priced Mortgage Loan Appraisal Exemption Threshold

The CFPB, Federal Reserve Board, and OCC announced the 2026 threshold for higher-priced mortgage loan appraisal exemptions will increase to $34,200 from $33,500. This annual adjustment reflects changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers.

Truth in Lending and Leasing Rules: 2026 Dollar Thresholds Announced

The CFPB and Federal Reserve announced the 2026 dollar thresholds for Truth in Lending (Regulation Z) and Consumer Leasing (Regulation M) rules. These thresholds, adjusted annually based on CPI-W, determine which consumer credit and lease transactions are subject to federal protections. For 2026, the general threshold is $73,400 or less.

CFPB Final Rules and Regulatory Adjustments

The Consumer Financial Protection Bureau (CFPB) has issued final rules and regulatory adjustments, including updates to the Rules of Practice for Adjudication Proceedings and adjustments to exemption thresholds for higher-priced mortgage loans and consumer leases under TILA and Regulation M. These changes are effective in late 2025 and early 2026.

FTC v. Kids Project - Petition to Quash Civil Investigative Demand

The Federal Trade Commission (FTC) has filed a petition to quash a Civil Investigative Demand (CID) in the matter of Kids Project (Matter Number P264800). This action relates to an ongoing FTC investigation concerning consumer protection practices.

FTC v. World Professional Association for Transgender Health - Civil Investigative Demand

The FTC has issued a Civil Investigative Demand (CID) to the World Professional Association for Transgender Health (WPATH). WPATH has filed a petition to quash this demand, asserting it is overly broad and unduly burdensome. The FTC is seeking information related to WPATH's standards of care and data collection practices.

FTC and States Sue Cancer Recovery Foundation for Donor Deception

The FTC and 10 states have filed a lawsuit against the Cancer Recovery Foundation International, also known as Women's Cancer Fund, and its operator for allegedly deceiving donors. The charity is accused of collecting over $18 million from 2017 to 2022, with only a small fraction going to support cancer patients and the majority used for fundraisers and the operator.

FTC and States Stop Kars-R-Us.com Deceptive Fundraising Scheme

The FTC and 19 states have stopped Kars-R-Us.com, Inc. and its operators from continuing a deceptive charity fundraising scheme. The operators made false claims to donors, and under a proposed settlement, face restrictions on future fundraising, with one operator permanently banned.

FTC v. XCL Resources Holdings, LLC - Antitrust Enforcement

The FTC has filed a gun jumping case against XCL Resources Holdings, LLC, Verdun Oil Company II LLC, and EP Energy, LLC. The companies will pay a record $5.6 million civil penalty to settle allegations of illegal pre-merger coordination in violation of the Hart-Scott-Rodino Act.

CFPB Supervisory Highlights Issue 32 - Consumer Reporting

The Consumer Financial Protection Bureau (CFPB) has released its Supervisory Highlights Issue 32, focusing on consumer reporting companies and furnishers. The report details supervisory observations and remedial actions related to accuracy and identity theft requirements under the FCRA and Regulation V.