regulatory

Tipping the Seesaw: How Financial Deregulation Opens the Door to Fraud

The past year has brought a wave of federal deregulation across financial services. We have seen a defanged and depopulated Consumer Financial Protection Bureau (CFPB), an executive order curbing state regulation of AI, and the ending of fair lending disparate impact enforcement. This regulatory retreat likely has lowered compliance costs, but it also has increased

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The CFPB is on Life Support, But Compliance Shouldn’t Be

Over the past few weeks, the Trump administration has imposed deep cuts at federal financial regulators. The Consumer Financial Protection Bureau (CFPB) is on life-support with its staff locked out of their headquarters, supervisory exams on hold, and enforcement cases being dropped. The Federal Deposit Insurance Corporation fired 700 employees on the last day of

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What disgruntled consumers are telling the CFPB about auto lenders

If you are an auto lender, it’s worth keeping your eye on the complaints consumers lodge with the Consumer Financial Protection Bureau (CFPB), even if your company does not participate in the CFPB’s complaint portal. CFPB leveraging consumer complaints For those unfamiliar, the CFPB’s Office of Consumer Response administers a statutorily-mandated portal to collect, investigate

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Ep 21: The CFPB’s Evolving Views on FinTech Innovation

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Ep 21: The CFPB’s Evolving Views on FinTech Innovation
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Mike Silver, Partner, Consumer Financial Services at Husch Blackwell, joins host Tom Oscherwitz, VP of Legal at Informed.IQ to discuss the CFPB’s evolving views on FinTech innovation. “Whether you are a FinTech, a customer of FinTechs, an innovator within your own firm, or just into public policy– how the CFPB treats innovation matters. It can

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Ep 20: Status of Legislative Efforts to Regulate AI

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Ep 20: Status of Legislative Efforts to Regulate AI
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Special guest Yolanda McGill, Deputy General Counsel & VP, Policy and Government Affairs of Zest AI, joins host, Tom Oscherwitz, VP of Legal at InformedIQ to chat about the status of legislative efforts to regulate AI.

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How the 2024 Presidential Election Could Reshape the CFPB

On January 20, 2021, just one hour after President Biden’s inauguration, then Consumer Financial Protection Bureau (CFPB) Director Kathy Kraninger resigned from the CFPB at the President’s request.    Kraninger’s resignation reflects the new reality of CFPB Directors articulated in the 2020 Supreme Court decision, Seila Law v. Consumer Financial Protection Bureau. Seila Law held that

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How is Evolving State Legislation and Regulatory Trends Impacting Credit Unions’ Leasing Programs

The Shift to Leasing Leasing appeals to many due to its shorter-term commitment and lower monthly payments compared to traditional financing, particularly amid market instability. In today’s high interest rate environment, consumers are increasingly turning to leasing as a better, more cost effective option. This trend has significant implications for credit unions, providing a chance

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Ep 10: Regulators Are Discussing the Risks of AI

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Ep 10: Regulators Are Discussing the Risks of AI
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Chartis Research named Informed.IQ a 2026 RiskTech Quadrant® Point Solution for Enterprise Fraud!

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