Overview

The Dodd-Frank Wall Street Reform and Consumer Protection Act and the subsequent creation of an entirely new regulatory agency, the Consumer Financial Protection Bureau (CFPB), fundamentally altered the regulation of consumer financial services in the United States. The completely updated Consumer Financial Services Answer Book 2016, written in a clear and accessible Q&A format, provides the practical guidance needed to fully understand these major changes and the latest developments in this ever-evolving field of law. Authored and edited by numerous legal authorities who have compiled their expertise gained from their combined experience in consumer financial services matters, Consumer Financial Services Answer Book 2016 is intended for both the seasoned practitioner as well as those just entering the world of consumer finance. The CFPB has been extraordinarily active over the past year, promulgating new rules, conducting numerous enforcement actions, filing amicus briefs, and otherwise letting its positions be known in informal guidance, speeches, and blogs. The editors - Richard E. Gottlieb, Arthur B. Axelson and Thomas M. Hanson - have followed these developments and addressed these activities in this practical Q&A guide, published annually since 2011. Chapters on the core laws affecting all readers have all been updated - including the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Real Estate Settlement Procedures Act, and the Fair Debt Collection Practices Act. Once again, the Answer Book also includes chapters (all updated) on fair lending, federal preemption, consumer automotive finance law, the Fair Credit Billing Act, the Electronic Fund Transfer Act, state licensing, consumer bankruptcy, and privacy. In a substantial expansion of its scope, Consumer Financial Services Answer Book 2016 includes new chapters on electronic records and eSignatures, credit cards, unfair and deceptive acts and practices (UDAP) laws, the Service members Civil Relief Act, the Telephone Consumer Protection Act, and on short-term (payday) lending.

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