Overview

The Consumer Financial Protection Act of 2010 (CFPA), Title X of the Dodd-Frank Act, made major changes in how consumer financial services are regulated, and many of these important changes are now in effect. The Consumer Financial Services Answer Book 2012-13 describes in concise detail the new regulatory structure and requirements. This new publication describes: Updated requirements under such federal statutes as the Truth in Lending Act, the Fair Credit Reporting Act, the Real Estate Settlement Procedures Act, and many others The regulatory authority, and the limits on that authority, of the newly created federal Bureau of Consumer Financial Protection, as well as the changed authority of existing financial services regulators The current federal requirements for mortgage loan servicing, foreclosure and eviction The changes to the federal preemption, which require specific findings before preemption may be invoked. The Consumer Financial Services Answer Book 2012-13 helps the practitioner, through an easy question and answer format, understand the revised regulations in such areas as: The secondary loan market, including securitization and assignee liability Mortgage loan servicing Automotive financing Privacy and identity theft. In addition, the Consumer Financial Services Answer Book 2012-13 provides practical insight on litigation practices in this area, including special coverage on e-filing and document retention requirements as well as expert, practical insights into consumer financial class actions and other issues of merging concern.

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9781402418129

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