Tom Oscherwitz

Tom Oscherwitz is Informed’s VP of Legal and Regulatory Advisor.  He has over 25 years of experience as a senior government regulator (CFPB, U.S. Senate) and as a fintech legal executive working at the intersection of consumer data, analytics, and regulatory policy.

Regulatory Trends in AI

As State and Federal legislative sessions around the U.S. are in full swing, it’s worth checking what’s happening with AI legislation. A look back to the first attempts at AI legislation But first an anecdote.  When I was a US Senate Judiciary Committee staffer in 2003, I drafted a data breach bill S.1350, the Notification […]

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CFPB Auto Loan Data Collection and What it Means for Auto Lenders

The Consumer Financial Protection Bureau (CFPB), in a move that could have seismic regulatory implications for auto lenders, recently announced a proposal to collect detailed, transactional information from thousands of loan providers. Quick background In early 2023, the CFPB issued a data request to nine auto lenders relying on its authority under Dodd-Frank to monitor

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