25th Annual Consumer Financial Services Institute

13-Hour Program

See Credit Details Below

Overview

2020 marks the 25th year of this exceptional program, which is considered the premier consumer financial services CLE program in the country.

The leadership and priorities of the CFPB, FTC, OCC and FDIC and federal banking agencies have changed under the Trump Administration. While these entities are still active in enforcing consumer financial services laws, state regulators and attorneys general have increased their enforcement activity to fill any void created by decline in activity at the Federal level. The volume of private litigation, particularly under the TCPA and FCRA, also remains high. At the same time, the improved economy prior to Covid-19, the deregulatory atmosphere at the Federal level, and the increase in technological innovation (including artificial intelligence, data aggregation and Blockchain) has resulted in new entrants into the consumer financial services industry and the offering of new products by existing players in the industry.

This popular two-day event will bring together faculty representing a wide range of perspectives ranging from Federal and State regulatory and enforcement agency representatives to experienced defense, in house counsel and consumer advocates who will bring you up to speed on what they are focusing on now and the areas in which the risk of private litigation, including class actions, remains high. They will focus on how the panoply of Federal and State laws applies to the broad range of consumer financial services, including mortgages; auto finance; credit, debit and prepaid cards; student loans; marketplace lending and fintech; payday, auto title and installment lending; and deposit accounts.

Join us and our esteemed faculty for an insightful review of the intersection between new technologies and new products and existing regulatory frameworks.

What You Will Learn

Hear directly from the sources about priorities at the CFPB, FTC, FDIC and OCC
Understand the implications of the U.S. Supreme Court’s decision to review the SEILA Law LLC case dealing with the constitutionality of the CFPB
Analyze regulatory and enforcement initiatives of the state regulators and attorneys general
Explore the latest wave of private litigation, including class actions, against banks and other consumer financial services companies
Evaluate regulatory and litigation priorities of consumer advocates this year
Get the latest updates on debt collection, privacy and data security
Gain insights on the use cases technological innovation (including artificial intelligence, data aggregation and Blockchain) on the consumer financial services industry

Special Features

Earn up to one full hour of Ethics credit exploring the unique professional responsibility challenges practitioners face in the consumer financial services space
Satisfy your Diversity and Inclusion/Elimination of Bias credit requirements

Program Level: Overview

Intended Audience: All professionals involved in consumer financial services, including lawyers, legal and compliance professionals, bankers, lenders, debt collectors, credit bureaus, consumer advocates and professors, will gain many practical takeaways from this program.

Prerequisites: None.

Advanced Preparation: None.

Lecture Topics [Total time 00:13:08]

Segments with an asterisk (*) are available only with the purchase of the entire program.

Opening Remarks* [00:11:17]
Alan S. Kaplinsky, John J. Roddy, Julia B. Strickland, Beth E. Terrell
Keynote Address [00:45:42]
Richard Cordray
Federal Regulators Speak (Part I – The CFPB and the FTC) [01:00:40]
Nessa E. Feddis, Deborah Morris, Peggy L. Twohig (Invited), Lisa Cole, Nikhil S. Singhvi
Federal Regulators Speak (Part II – OCC and FDIC) [01:08:03]
Nessa E. Feddis, Donna M. Murphy, Leonard N. Chanin
State Regulatory Activism Update [01:31:57]
Nicklas A. Akers, Thomas P. James, Shennan A. Kavanagh, Shannon E. Smith, Jane M. Azia
The Rapidly Evolving Landscape for FinTech [01:00:37]
Veronica K. McGregor, Christopher J. Willis
Diversity/Inclusion in the Legal Profession – Consumer/Financial Services [00:59:47]
Beth E. Terrell, Kalpana Kotagal
What’s Trending Now: Cutting Edge Consumer Financial Services Updates [01:16:47]
Jennifer Bennett, Toby J. Marshall, Arjun P. Rao
Consumer Advocates Speak [00:59:35]
Jennifer Bennett, Arthur H. Bryant, Toby J. Marshall
Data Security and Privacy Issues [01:01:08]
Katherine E. McCarron, Andre M. Mura, Aravind Swaminathan
Class Actions and UDAP Litigation Update [01:23:05]
Katrina S. Christakis, Melissa Gardner, Leah M. Nicholls
Fair Credit Reporting Act/ Debt Collection Issues [00:59:21]
Andrew J. Guzzo, Stacey Tutt, Christopher J. Willis
Ethical Issues Unique to the Consumer Space [01:01:55]
Amy L. Bomse, Arthur H. Bryant

The purchase price of this Web Program includes the following articles from the Course Handbook available online:

Complete Course Handbook
Book Abstract, WATCHDOG: How Protecting Consumers Can Save Our Families, Our Economy, and Our Democracy
Richard Cordray
Consumer Financial Protection Bureau, Supervisory Highlights, Consumer Reporting Special Edition, Issue 20, Fall 2019 (December 2019)
Peggy L. Twohig,Allison Brown
Consumer Financial Protection Bureau, Supervisory Highlights, Issue 19, Summer 2019 (September 2019)
Peggy L. Twohig,Allison Brown
Selected Blog Posts: CFPB, Ballard Spahr LLP, Consumer Finance Monitor, available at: www.consumerfinancemonitor.com
Alan S. Kaplinsky
Selected Blog Posts: FDIC and FTC, Ballard Spahr LLP, Consumer Finance Monitor, available at: www.consumerfinancemonitor.com
Alan S. Kaplinsky
Selected Blog Posts: OCC and FDIC, Ballard Spahr LLP, Consumer Finance Monitor, available at: www.consumerfinancemonitor.com
Alan S. Kaplinsky
State Regulatory Activism Update, Background Materials
Julia B. Strickland
Reyes v. Experian Info. Sols., Inc., No. SACV-16-00563 (AFMx), 2019 WL 4854849 (C.D. Cal. Oct. 1, 2019)
Kristi C. Kelly
DeAndrade v. Trans Union, LLC, 523 F.3d 61 (1st Cir. 2008)
Kristi C. Kelly
Burke v. Experian Info. Sols., Inc., No. 1:10-1064 (AJT/TRJ), 2011 WL 1085874 (E.D. Va. Mar. 18, 2011)
Kristi C. Kelly
Saunders v. Branch Banking & Tr. Co. of Va., et al., 526 F.3d 142 (4th Cir. 2008)
Kristi C. Kelly
Padgett v. Clarity Servs., Inc., No. 8:18-1918-T-30CPT, 2018 WL 6628274 (M.D. Fla. Dec. 13, 2018)
Kristi C. Kelly
Denan v. Trans Union, LLC, No. 18 C 5027, 2019 WL 911270 (N.D. Ill. Feb. 22, 2019)
Kristi C. Kelly
First Amended Class Action Complaint, Heath, et al. v. Trans Union, LLC, No. 3:18-cv-720 (JAG) (E.D. Va. 2018)
Kristi C. Kelly
Defendant Trans Union LLC’s Brief in Support of Its Motion to Dismiss, Heath, et al. v. Trans Union, LLC, No. 3:18-cv-720 (JAG) (E.D. Va. 2019)
Kristi C. Kelly
Plaintiffs’ Opposition to Defendant Trans Union LLC’s Motion to Dismiss, Heath, et al. v. Trans Union, LLC, No. 3:18-cv-720 (JAG) (E.D. Va. 2019)
Kristi C. Kelly
Trans Union LLC’s Reply in Support of the Motion to Dismiss, Heath, et al. v. Trans Union, LLC, No. 3:18-cv-720 (JAG) (E.D. Va. 2019)
Kristi C. Kelly
Order Denying Motion to Dismiss, Heath, et al. v. Trans Union, LLC, No. 3:18-cv-720 (JAG) (E.D. Va. 2019)
Kristi C. Kelly
Appellants’ Opening Brief, Denan, et al. v.Trans Union, LLC, No. 19-1519 (7th Cir. 2019)
Kristi C. Kelly
Appendix, Denan, et al. v. Trans Union, LLC, No. 19-1519 (7th Cir. 2019)
Kristi C. Kelly
Brief of Amici Curiae National Consumer Law Center and National Association of Consumer Advocates in Support of Plaintiff-Appellants Joseph W. Denan, et al., and in Support of Reversing the District Court’s Decision, Denan, et al. v. Trans Union, LLC, No. 19-1519 (7th Cir. 2019)
Kristi C. Kelly
Brief of Amicus Curiae Consumer Data Industry Association in Support of Defendant-Appellee Transunion, LLC and in Support of Affirmance, Denan, et al. v. Trans Union, LLC, No. 19-1519 (7th Cir. 2019)
Kristi C. Kelly
Brief of Defendant-Appellee, Denan, et al. v. Trans Union,LLC, No. 19-1519 (7th Cir. 2019)
Kristi C. Kelly
Appellants’ Reply Brief, Denan, et al. v. Trans Union, LLC, No. 19-1519 (7th Cir. 2019)
Kristi C. Kelly
Consumer Bankers Association, Comment Letter to Director Kathy Kraninger, CFPB, in Response to the CFPB’s Notice of Proposed Rulemaking under Regulation F, Docket No. CFPB-2019-0022
Christopher J. Willis
Gina M. Calabrese, et al., 31 Consumer Law Scholars’ Response to CFPB’s Proposed Rules on Debt Collection Practices (Reg F), Docket No. CFPB-2019-0022/RIN 3170-AA41
Christopher J. Willis
232 National and State Groups, Comment Letter to Director Kathy Kraninger, CFPB, on the CFPB’s Proposed Debt Collection Rules, Docket No. CFPB-2019-0022, Debt Collection Practices (September 18, 2019)
Christopher J. Willis
Staff of the Federal Trade Commission’s Bureau of Consumer Protection, Before the Bureau of Consumer Financial Protection, In the Matter of Proposed Rule with Request for Public Comment, Debt Collection Practices (Regulation F), Docket No. CFPB-2019-0022; RIN 3170-AA41 (September 18, 2019)
Christopher J. Willis
National Consumer Law Center, et al., Comments to the Consumer Financial Protection Bureau on Its Proposed Debt Collection Rule, Docket No. CFPB-2019-0022, RIN 3170-AA41 (September 18, 2019)
Leonard McKenzie,Christopher J. Willis
28 State Attorneys General, Comment Letter to Director Kathy Kraninger, CFPB, On the CFPB’s Proposed Rule Concerning Debt Collection Practices (Regulation F) (Docket No. CFPB-2019-0022) (September 18, 2019)
Christopher J. Willis
The Commonwealth of Massachusetts, Office of the Attorney General, Letter to Director Kathy Kraninger, Director, CFPB, Re: Proposed Regulation F Implementing the Fair Debt Collection Practices Act (Docket No. CFPB-2019-0022) (September 17, 2019)
Christopher J. Willis
The Association of Credit and Collection Professionals, Letter to Comment Intake—Debt Collection, CFPB, Re: ACA International, the Association of Credit and Collection Professionals Comment to Docket No. CFPB-2019-0022, RIN 3170-AA41 (September 17, 2019)
Christopher J. Willis
Ariel Nelson and Jon Sheldon, National Consumer Law Center, Fertile Ground for FCRA Claims: Employee and Tenant Background Checks (December 16, 2019)
Chi Chi Wu
Data Gatherers Evading the FCRA May Find Themselves Still in Hot Water (June 14, 2019)
Chi Chi Wu
Testimony of Chi Chi Wu, National Consumer Law Center, Before the U.S. House of Representatives Committee on Financial Services, Task Force on Financial Technology Regarding “Examining the Use of Alternative Data in Underwriting and Credit Scoring to Expand Access to Credit” (July 25, 2019)
Chi Chi Wu
Fair Credit Reporting Act/ Debt Collection Issues (Substantive Outline)
Stacey Tutt
Stimpson v. Midland Credit Management, Inc., et al., 944 F.3d 1190 (9th Cir. 2019)
Stacy M. Bardo,Stacey Tutt
Rotkiske v. Klemm, et al., 140 S.Ct. 355 (2019)
Stacy M. Bardo,Karla Gilbride,Jennifer Bennett,Stacey Tutt
Tex. Fin. Code Ann. § 392.307, Collection of Certain Consumer Debt by Debt Buyers (2019)
Stacy M. Bardo,Stacey Tutt
M.R. 3140, Modified Rule 280.2, Complaint in Credit Card or Debt Buyer Collection Actions and Corresponding Part of Forms Appendix (Ill. Nov. 1, 2019)
Stacy M. Bardo,Stacey Tutt
Conn. Gen. Stat. Ann. § 36a-805, Prohibited Practices. Exception (2018)
Stacy M. Bardo,Stacey Tutt
Cal. Civ. Code § 1788.52, Debt Buyer Written Statements to Debtor to Attempt Debt Collection; Information That Must Be Provided to Debtor; Timing Requirements; Written Notice; Form; Conflict of Laws (2014)
Stacy M. Bardo,Stacey Tutt
Tatis v. Allied Interstate, LLC, 882 F.3d 422 (3d Cir. 2018)
Stacey Tutt
Portfolio Recovery Associates, LLC v. Sanders, 292 Or. App. 463 (2018)
Stacey Tutt
Nyberg v. Portfolio Recovery Associates, LLC, No. 3:15-cv-01175-PK, 2017 WL 1055962 (D. Or. Mar. 20, 2017)
Stacey Tutt
Midland Funding, LLC v. Johnson, No. 16-348, Slip Op. (U.S. 2016)
Stacey Tutt
Consumer Financial Protection Bureau Consent Order, In re: Encore Capital Group Inc., et al., File No. 2015-CFPB-0022 (September 9, 2015)
Stacey Tutt
Boon v. Professional Collection Consultants, 978 F.Supp.2d 1157 (S.D. Cal. 2013)
Stacey Tutt
Selected Blog Posts (Fintech) (May 13, 2019–December 5, 2019)
Christopher J. Willis
Zabriskie v. Federal National Mortgage Association, 940 F.3d 1022 (9th Cir. 2019)
Karla Gilbride,Jennifer Bennett
Food Marketing Institute v. Argus Leader Media, 139 S.Ct. 2356 (2019)
Karla Gilbride,Jennifer Bennett
Kidd v. Thomson Reuters Corporation, 925 F.3d 99 (2d Cir. 2019)
Karla Gilbride,Jennifer Bennett
Home Depot U.S.A., Inc. v. Jackson, 139 S.Ct. 1743 (2019)
Karla Gilbride,Jennifer Bennett
Obduskey v. McCarthy & Holthus LLP, 139 S.Ct. 1029 (2019)
Karla Gilbride,Jennifer Bennett
Frank v. Gaos, 139 S.Ct. 1041 (2019)
Karla Gilbride,Jennifer Bennett
Schein, Inc., et al. v. Archer and White Sales, Inc., 139 S.Ct. 524 (2019)
Karla Gilbride,Jennifer Bennett
Selected Arbitration Decisions Since January 1, 2018 (October 2019)
Karla Gilbride,Jennifer Bennett
Transcript Proceedings, Abernathy, et al., v. DoorDash, Inc., No. C 19-7545 WHA (N.D. Cal. 2019)
Karla Gilbride,Jennifer Bennett
Data Security and Privacy Issues
Amy E. Keller
Patel v. Facebook, Inc., 932 F.3d 1264 (9th Cir. 2019)
Amy E. Keller
In Re: U.S. Office of Personnel Management Data Security Breach Litigation, et al., 928 F.3d 42 (D.C. Cir. 2019)
Amy E. Keller
Rosenbach v. Six Flags Entertainment Corporation, et al., 129 N.E.3d 1197 (Ill. Jan. 25, 2019)
Amy E. Keller
Adkins v. Facebook, Inc., No. C 18-05982-WHA, 2019 WL 7212315, Slip Op. (N.D. Cal. Nov. 26, 2019)
Amy E. Keller
In Re: Target Corporation Customer Data Security Breach Litigation, 892 F.3d 968 (8th Cir. 2018)
Amy E. Keller
In Re Anthem, Inc. Data Breach Litigation, No. 15-MD-02617-LHK, 327 F.R.D. 299 (N.D. Cal. Aug. 15, 2018)
Amy E. Keller
Federal Trade Commission, Cybersecurity for Small Business, Cybersecurity Basics
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Understanding the NIST Cybersecurity Framework
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Physical Security
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Ransomware
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Phishing
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Business Email Imposters
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Tech Support Scams
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Vendor Security
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Cyber Insurance
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Email Authentication
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Hiring a Web Host
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Secure Remote Access
Shameka L. Walker,Miles Plant
Federal Trade Commission, Cybersecurity for Small Business, Talking Cybersecurity with Your Employees
Shameka L. Walker,Miles Plant
The Unwaivable Public Enforcement Claim
Myriam Gilles
Federal Trade Commission, Staff Report, Consumers and Class Actions: A Retrospective and Analysis of Settlement Campaigns (September 2019)
John Albanese
Anna-Katrina S. Christakis, et al., Class Action Developments, The Business Lawyer, Vol. 74, No. 2 (Spring 2019)
Anna-Katrina S. Christakis
Professional Conduct Issues Arising from High-Volume Practice: Consumer Debt Collection Litigation
Gina M. Calabrese
Ethical Limitations on NDA’s, Settlements, and Secrecy Agreements (PowerPoint slides)
Arthur H. Bryant

Presentation Material

The Rapidly Evolving Landscape for FinTech, PowerPoint Slides
Veronica K. McGregor
Understanding Cryptocurrencies, Blockchain Technology and Regulations
Veronica K. McGregor
10 Big Issues Women Face At Work and What Leaders Can Do To Help (January 19, 2017)
Why Diversity and Inclusion Matter: Quick Take (August 1, 2018)
Appendix: Why Diversity and Inclusion Matter: Financial Performance (August 1, 2018)
Ask Catalyst Express The Gender Pay Gap (August 26, 2019)
What’s Trending Now: Cutting Edge Consumer Financial Services Updates, PowerPoint Slides
Jennifer Bennett, Toby J. Marshall, Arjun P. Rao
ACLU, In For A Penny, The Rise of America’s New Debtors’ Prisons (October 2010)
Consumer Advocates Speak, PowerPoint Slides
Jennifer Bennett, Arthur H. Bryant, Toby J. Marshall
Class Actions and UDAP Litigation Update, PowerPoint Slides
Katrina S. Christakis, Melissa Gardner, Leah M. Nicholls
Fair Credit Reporting Act/Debt Collection Issues, PowerPoint Slides
Andrew J. Guzzo, Stacey Tutt, Christopher J. Willis
Ethical Issues Unique to the Consumer Space, PowerPoint Slides
Amy L. Bomse, Arthur H. Bryant

Why You Should Attend

2020 marks the 25th year of this exceptional program, which is considered the premier consumer financial services CLE program in the country.

Join us and our esteemed faculty for an insightful review of the intersection between new technologies and new products and existing regulatory frameworks.

What You Will Learn

Hear directly from the sources about priorities at the CFPB, FTC, FDIC and OCC
Understand the implications of the U.S. Supreme Court’s decision to review the SEILA Law LLC case dealing with the constitutionality of the CFPB
Analyze regulatory and enforcement initiatives of the state regulators and attorneys general
Explore the latest wave of private litigation, including class actions, against banks and other consumer financial services companies
Evaluate regulatory and litigation priorities of consumer advocates this year
Get the latest updates on debt collection, privacy and data security
Gain insights on the use cases technological innovation (including artificial intelligence, data aggregation and Blockchain) on the consumer financial services industry

Special Features

Earn up to one full hour of Ethics credit exploring the unique professional responsibility challenges practitioners face in the consumer financial services space
Satisfy your Diversity and Inclusion/Elimination of Bias credit requirements

Who Should Attend

All professionals involved in consumer financial services, including lawyers, legal and compliance professionals, bankers, lenders, debt collectors, credit bureaus, consumer advocates and professors, will gain many practical takeaways from this program.

Program Level: Overview

Prerequisites: None.

Advanced Preparation: None.

Topics

Banking and finance Consumer finance Regulation and compliance (Banking and finance) Litigation

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Overview

Topics

Credit Details