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New York AG sues Capital One in case mirroring dropped CFPB lawsuitSubscriber Access OnlyNew York AG sues Capital One in case mirroring dropped CFPB lawsuit
Friday, May 16, 2025
The state of New York is suing Capital One Financial Corp., alleging charges similar to those previously brought by the Consumer Financial Protection Bureau in a lawsuit the bureau later dropped. Capital One told Dodd Frank Update it plans to defend itself against the allegations.
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CFPB withdraws data broker rule proposalSubscriber Access OnlyCFPB withdraws data broker rule proposal
Friday, May 16, 2025
The Consumer Financial Protection Bureau withdrew its notice of proposed rulemaking designed to prevent harmful information-sharing practices by data brokers. The bureau’s interim leadership determined the proposal did not align with the agency’s current policy interpretations or objectives.
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MBA recommends TILA, HMDA revisions in OMB responseSubscriber Access OnlyMBA recommends TILA, HMDA revisions in OMB response
Friday, May 16, 2025
In an effort to roll back rules some would describe as “unnecessary, unlawful, unduly burdensome and unsound,” the Office of Management and Budget issued a request for information for interested stakeholders. The Mortgage Bankers Association responded with a list of recommended revisions and rescissions for rules spread across various agencies.
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House FSC discusses process reforms for bank mergers, new bank formation
Friday, May 16, 2025
The House Financial Services Committee held a hearing to explore how the current regulatory regime governing bank mergers and new (de novo) bank formation impacts the financial sector. Lawmakers and witnesses discussed potential regulatory reforms aimed at fostering competition and ensuring widespread access to financial services.
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Former bank CEO, chair breached fiduciary duty in real estate transaction
Friday, May 16, 2025
The Office of the Comptroller of the Currency took action against the former CEO and board chair of Grand Bank for Savings for allegedly violating conflict of interest requirements, engaging in unsafe or unsound practices, and breaching his fiduciary duty.
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Regulatory Roundup: States step up as federal agencies scale back enforcement
Friday, May 16, 2025
As multiple federal agencies announce moves to pull back on certain enforcement activities, some states have indicated they are ramping up efforts to fill the void. Find out about some of these recent developments in this roundup.
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CFPB to rescind a slew of guidance materials dating back to 2011Subscriber Access OnlyCFPB to rescind a slew of guidance materials dating back to 2011
Tuesday, May 13, 2025
Acting leadership at the Consumer Financial Protection Bureau (CFPB) announced a list of 39 guidance materials to be rescinded, including several applicable to mortgage originators and servicers issued since the CFPB assumed its functions in 2011.
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Trump signs repeals of CFPB overdraft, larger participant rulesSubscriber Access OnlyTrump signs repeals of CFPB overdraft, larger participant rules
Tuesday, May 13, 2025
The Consumer Financial Protection Bureau’s final rules limiting overdraft fees charged by certain financial institutions and another giving the bureau authority to supervise large digital payment providers have been invalidated via resolutions of disapproval signed by President Donald Trump.
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Trump to tap CFPB nominee for Treasury roleSubscriber Access OnlyTrump to tap CFPB nominee for Treasury role
Tuesday, May 13, 2025
President Donald Trump intends to nominate Jonathan McKernan to a position at the Treasury, according to an announcement by Treasury Secretary Scott Bessent. McKernan is awaiting Senate confirmation of Trump’s nomination of him to be director of the Consumer Financial Protection Bureau.
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Federal Reserve acknowledges rising inflation, unemployment risks
Tuesday, May 13, 2025
The Federal Reserve announced there will be no change to the federal funds rate following the May meeting of the Federal Open Markets Committee (FOMC). The committee concluded maintaining the target range at 4-1/4 to 4-1/2 percent was the best approach given economic indicators suggesting the risk of higher inflation and unemployment has increased.
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Regulatory Roundup: OCC issues guidance on crypto activities, RIF on bank digitalization
Tuesday, May 13, 2025
Federal banking regulators have taken steps to improve clarity surrounding digital banking activities, including crypto-assets and digitalization. Find out about some of the latest regulatory moves in this respect and more in this roundup.
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CFPB moves to dismiss medical debt rule lawsuitSubscriber Access OnlyCFPB moves to dismiss medical debt rule lawsuit
Friday, May 9, 2025
The Consumer Financial Protection Bureau moved for dismissal regarding multiple claims cited in a lawsuit challenging the legality of its final rule prohibiting medical debt information from being considered in credit decisions.
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CFPB plans to deprioritize ‘Buy Now, Pay Later’ lending activitiesSubscriber Access OnlyCFPB plans to deprioritize ‘Buy Now, Pay Later’ lending activities
Friday, May 9, 2025
In the agency’s latest announcement regarding its enforcement and supervisory priorities, the Consumer Financial Protection Bureau said it will not prioritize oversight of “Buy Now, Pay Later” (BNPL) loan providers. The bureau also is considering further action related to its new policy position on BNPL products.
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Monthly Newsletter

Dodd Frank Update May 2025

Cover Story:

Wolters Kluwer experts analyze shifts in banker compliance concerns


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