Michelle Rogers

Dec 11, 2024 | jdsupra.com | Michelle Rogers

On December 3, 2024, the Consumer Financial Protection Bureau (CFPB) issued a notice of proposed rulemaking (NPR) – Protecting Americans from Harmful Data Broker Practices. The CFPB’s proposal would amend Regulation V, which implements portions of the Fair Credit Reporting Act (FCRA), in ways that would materially expand the FCRA’s reach and, in certain circumstances, serve as a reversal of long-standing legal interpretations. Comments on the proposed rules are due to the CFPB by March 3, 2025.

Oct 1, 2024 | clarksvillenow.com | Michelle Rogers

Clarksville Now publishes opinion pieces representing both sides of a variety of topics. Opinions presented do not necessarily reflect those of the newsroom or management. To join the conversation, email your opinion piece to [email protected]. Contributed commentary Michelle Rogers. Are you looking for a great reason to skip the leaf-blowing, raking, and leaf collection hassle of fall? Or a reason to at least reduce your work?

Sep 20, 2024 | jdsupra.com | Joshua Kotin |Obrea Poindexter |Michelle Rogers

On September 17, 2024, the Consumer Financial Protection Bureau (CFPB) issued a circular explaining that financial institutions may violate the Electronic Fund Transfer Act (EFTA) and its implementing regulation, Regulation E, by charging consumers certain overdraft fees without affirmative proof of consumer consent to be charged overdraft fees.

Aug 20, 2024 | jdsupra.com | Jasmine Banks |Joshua Kotin |Michelle Rogers

On August 13, 2024, the Consumer Financial Protection Bureau (CFPB) issued an advisory opinion stating that contracts for deed are “credit” under Regulation Z, and therefore subject to its myriad requirements. Unlike a traditional mortgage, a contract for deed is a home sale directly financed by the seller where the seller retains legal title of the home until the borrower completes the course of payments.

Jul 30, 2024 | jdsupra.com | Joshua Kotin |Miriam Petrillo |Michelle Rogers

On July 24, 2024, the Consumer Financial Protection Bureau (CFPB) issued a circular explaining that confidentiality or nondisclosure agreements may chill whistleblowing activity and therefore violate the CFPB’s whistleblower protection statute in certain circumstances – Section 1057 of the Consumer Financial Protection Act of 2010 (CFPA), 12 USC § 5567.