Articles/Publications
Associations and Networks
Congress
Federal and State Agencies
Auto Finance
Credit Cards
Gift Cards and Gift Certificates
Gramm-Leach-Bliley Act Resources
International Regulation
Payday Lending
Selected Legislation
Selected Orders, Opinions and Briefs
Articles/Publications
- October 2008 Behaviorally Informed Financial Services Regulation
- January 2009 The Cost of Anchoring on Credit-Card Minimum Repayments
- February 28, 2009 Abandoned Property Laws and Network Branded Prepaid Cards: Questions and Concerns Raised When Trying to Fit Cards into the Existing Abandoned Property Legal Framework
- January 2010 Insights from Behavioral Economics for Personal Finance
- September 3, 2010 Gift Cards and Gift Certificates Statutes and Recent Legislation
- December 20, 2010 Why Do Banks Reward their Customers to Use their Credit Cards?
- January 2011 Minimum Required Payment and Supplemental Information Disclosure Effects on Consumer Debt Repayment Decisions
- March 2011 GAO Report-Credit Cards: Consumer Costs for Debt Protection Products Can Be Substantial Relative to Benefits but Are Not a Focus of Regulatory Oversight
- March 25, 2011 Federal Reserve Bank: Mobile Payments in the United States – Mapping Out the Road Ahead
- August 23-26, 2011 Developments and Issues in MSB Supervision (California Department of Financial Institutions Money Transmitter Division)
- September 2011 Insolvency Risk in the Network-Branded Prepaid-Card Value Chain
- January 31, 2012 Payment Processor Relationships: Revised Guidance (FDIC)
- April 2012 A Prepaid Case Study: Ready Credit’s General Purpose and Transit Fare Programs (Payment Cards Center, Federal Reserve Bank of Philadelphia)
- July 25, 2012 Federal Reserve Bank Mobile Payments Working Group Summary 2012
- September 12, 2012 Government Oversight of Non-Bank Financial institutions In the United States (NMTA)
- October 2012 Virtual Currency Schemes (European Central Bank)
- December 24, 2012 Federal Trade Commission Report on Activities Related to Section 1075 of the Dodd-Frank Act
- Winter 2012 FDIC Supervisory Insights Vol. 9, Issue 2 (includes Mobile Payments)
- 2012 Behavioral Economics and Its Meaning for Antitrust Agency Decision Making
- September 30, 2013 Regulating Consumer Financial Products: Evidence from Credit Cards (CARD Act-mandated disclosures)
- December 2016 SoFi Settlement Provides Lessons for Lenders Marketing “Soft Pull” Preapprovals*
Associations and Networks
- Conference of State Bank Supervisors
- Electronic Check Clearing House Organization (ECCHO)
- MasterCard / Maestro Rules
- Money Transmitters Regulators Association (MTRA)
- NACHA-The Electronic Payments Association (subscription-based)
- Network Branded Prepaid Card Association (NBPCA)
- PCI Security Standards
- Visa / Interlink Operating Regulations
Congress
- The Future of Money: How Mobile Payments Could Change Financial Services
Financial Institutions and Consumer Credit Subcommittee, House of Representatives
March 22, 2012
Federal Reserve
- Federal Reserve
- Federal Reserve Regulations
- Consumers and Mobile Financial Services (March 2012)
- Frequently Asked Questions About General-Use Prepaid Cards and Circumvention and Evasion
- Regulation Z: Truth In Lending Compliance Guide
- Testimony on Mobile Payments from Stephanie Martin, Associate General Counsel (June 2012)
Federal Reserve Banks
- Federal Reserve Bank of Atlanta: Portals and Rails
- Federal Reserve Bank of Boston Consumer Payments Resource Center
- Federal Reserve Bank of Chicago
- Federal Reserve Bank of Kansas City
- Federal Reserve Bank of Minneapolis
- Federal Reserve Bank of New York Guide to Federal Reserve Regulations
- Federal Reserve Bank of Philadelphia Payment Cards Center
- Federal Reserve Bank of Philadelphia Program in Consumer Credit and Payments
Consumer Financial Protection Bureau (CFPB)
- Consumer Financial Protection Bureau
- CFPB Bulletin 2012-2013 (detailing how financial institutions under Bureau supervision may be held responsible for the actions of the companies with which they contract)
- CFPB Company Portal Manual
- CFPB Consumer Complaint Database
- CFPB Consumer Response Annual Report
- CFPB Credit Card Agreement Database
- CFPB eRegulations
- CFPB Supervision and Examination Manual
- CFPB and National Association of Attorneys General Joint Statement of Principles on Consumer Financial Protection
- CFPB Organizational Chart (from Consumer Bankers Association)
- CFPB Positions by Division
- CFPB Program Ideas
- CFPB Resources
- CFPB Agency Rule List – Fall 2011
- CFPB/Capital One Bank Order (7/18/12)
- CFPB Compliance Bulletin 2012-06
Memorandums of Understanding (MOUs) between CFPB and Federal and State Agencies
- CSBS and CFPB on confidential information
- FDIC and CFPB on confidential information
- Federal Housing Finance Agency and CFPB on National Mortgage Database
- Federal Reserve and CFPB concerning the the transferring of employees
- FinCen and CFPB on direct electronic acces to BSA information
- FTC and CFPB concerning consumer financial products and services
- HUD and CFPB on confidential information
- HUD and CFPB on transfer of ownership documents under the ILSA
- NCUA and CFPB on confidential information
- NCUA and CFPB on consumer complaints
- North Carolina Credit Union Division and CFPB on sharing confidential information
- OCC and CFPB on confidential information
- OCC and CFPB on consumer complaints
- Memorandum of Understanding
Fair Credit Reporting Act (FCRA)
- Fair Credit Reporting Act
- FTC 40 Years
- FTC Staff Opinion Letters
- FTC FCRA Resources
- 16 CFR 640 (creditors of risk-based pricing)
- 16 CFR 313 (privacy of consumer financial information)
- CFPB Exam Manual, Part II: FCRA
- 12 CFR 1022, Regulation V
- CFPB larger participants rule for consumer reporting market
Federal Trade Commission (FTC)
- Federal Trade Commission (FTC)
- Federal Trade Commission Office of the Secretary Fair Credit Reporting Act (FCRA) Links
- Paper, Plastic…or Mobile? An FTC Workshop on Mobile Payments
- Report to Congress Under Section 319 of the Fair and Accurate Credit Transactions Act of 2003 (December 2012)
Office of the Comptroller of the Currency (OCC)
Other Regulatory Bodies, Agencies and Resources
- Federal Deposit Insurance Corporation (FDIC)
- Federal Deposit Insurance Corporation (FDIC): Credit Card Activities Manual
- Federal Financial Institutions Examination Council (FFIEC)
- FFIEC E-Banking Resources
- FinCEN
- Money Transmitter Regulators Association (MTRA)
- Office of Foreign Assets Control (OFAC)
- Regulations.gov
- Unfair, Deceptive, or Abusive Acts and Practices (ABA resource)
- US Treasury Department
- CFPB Bulletin 2013-02: Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act
- FTC Finds Broad Compliance Among Auto Dealers with Rule That Protects Consumers with Car Loans
Credit Cards
Gift Cards and Gift Certificates
- NCSL Gift Cards and Gift Certificates Statutes and Recent Legislation
- Virtual Economies and Currencies: Additional IRS Guidance Could Reduce Tax Compliance Risks
Gramm-Leach-Bliley Act Resources
- Federal Reserve Bank: Standards for Safeguarding Customer Information
- Financial Services Modernization
- Frequently Asked Questions for the Privacy Regulation
- Gramm-Leach-Bliley Act—House Report 106-434
- Joint Release: Agencies Publish “Privacy Choices for Your Personal Financial Information”
- OCC Advisory Letter: Privacy Preparedness
- OCC Bulletin: Guidelines Establishing Standards for Safeguarding Customer Information
- OCC Interpretive Letter: Borrower’s Loan Number on Recorded Documents
- OCC Interpretive Letter: Limits on Disclosing Account Numbers
- Privacy Choices: For Your Personal Financial Information
- Timeline of Gramm-Leach-Bliley Act
- Title V — Privacy of the Gramm-Leach-Bliley Act
International Regulation
Selected Legislation
- The Dodd-Frank Wall Street Reform and Consumer Protection Act
- Title X of The Dodd-Frank Wall Street Reform and Consumer Protection Act
Selected Orders, Opinions and Briefs
- In re Payment Card Interchange Fee and Merchant Discount Antitrust Litigation
- In re Visa Check/MasterMoney Antitrust Litigation
- Wal-Mart Stores, Inc, et al v. Visa USA, Inc., et al
- National ATM Counsel Civil Antitrust Class Action
- NACS v Board of Governors of the Federal Reserve System (Amicus Brief)
- NACS v Board of Governors of the Federal Reserve System (FRS Brief)
- NACS v Fed Order on MSJ (D.D.C. 2013)
- NACS v Fed Opinion on MSJ
- NACS v Fed Opinion (D.C. Cir. 2014)
- United States v. American Express Company
*Reprinted with permission from volume 19 of FinTech Law Report on Westlaw. © 2016 Thomson Reuters. For additional information about FinTech Law Report or Westlaw, please visit legalsolutions.com
