# ecoa (blogs) — RSS Amplifier Recent posts from the 1 feeds in the RSS Amplifier directory that cover ecoa. Page: Feed: --- ## [Credit repair network blocked](https://www.consumerfinancemonitor.com/2026/08/21/credit-repair-network-blocked/) _2026-08-21 · Ballard CFS Group · Consumer Finance Monitor_ A federal judge has issued a Temporary Restraining Order blocking the operation of a network of 16 related companies and their principals that operated a credit repair business. At the request of the FTC, Judge Steven Logan of the U.S. District Court for the District of Arizona has blocked Credit Glory from conducting business.... Continue Reading ## [FDIC Launches Office of Supervisory Appeals](https://www.consumerfinancemonitor.com/2026/08/21/fdic-launches-office-of-supervisory-appeals/) _2026-08-21 · Scott A. Coleman and John L. Culhane, Jr. · Consumer Finance Monitor_ The FDIC has announced the panel for its new Office of Supervisory Appeals. The panel is comprised of independent officials who will consider and resolve appeals of material supervisory determinations brought before the agency. The office is a standalone office inside the FDIC and replaces the Supervision Appeals Review Committee (SARC) as the last level of review of material supervisory… ## [Today’s Podcast Release: The “Confidence Advantage”: Why Privacy, Cybersecurity and AI Governance Are Becoming Business Imperatives](https://www.consumerfinancemonitor.com/2026/08/20/todays-podcast-release-the-confidence-advantage-why-privacy-cybersecurity-and-ai-governance-are-becoming-business-imperatives/) _2026-08-20 · Ballard CFS Group · Consumer Finance Monitor_ In the latest episode of the Consumer Finance Monitor podcast that we are releasing today, we explore a topic that is becoming increasingly important for financial services companies and virtually every other business operating in today’s digital economy: how privacy, cybersecurity, and AI governance can be transformed from compliance obligations into sources of customer confidence, resilience,… ## [DIDMCA’s Section 525 Opt-Out: Congress Allowed States to Reimpose Usury Limits on Their Own Banks, Not on Out-of-State Lenders](https://www.consumerfinancemonitor.com/2026/08/20/didmcas-section-525-opt-out-congress-allowed-states-to-reimpose-usury-limits-on-their-own-banks-not-on-out-of-state-lenders/) _2026-08-20 · Alan S. Kaplinsky and Ronald K. Vaske · Consumer Finance Monitor_ The purpose of this blog is to respond to questions we have received as to why a state like Colorado would ever use Section 525 of DIDMCA to opt out of Section 521 of DIDMCA if it would not preclude rate exportation by out-of-state, state-chartered banks. The question suggests that Congress would not have enacted Section 525 for any purpose other than to prevent rate exportation.... Continue… ## [FTC Proposes Enforcement Policy on Personalized Pricing as States and Congress Move Toward Broader Restrictions](https://www.consumerfinancemonitor.com/2026/08/20/ftc-proposes-enforcement-policy-on-personalized-pricing-as-states-and-congress-move-toward-broader-restrictions/) _2026-08-20 · Alan S. Kaplinsky · Consumer Finance Monitor_ The Federal Trade Commission (FTC) has taken another important step in the rapidly developing debate over “surveillance pricing.” On August 19, the FTC issued for public comment a Proposed Enforcement Policy Statement Regarding Personalized Pricing, warning businesses that using consumers’ personal data to set individualized prices without adequate disclosure may violate Section 5 of the FTC Act.… ## [Ten States Take on the OCC Over National Bank Preemption of State Escrow-Interest Laws](https://www.consumerfinancemonitor.com/2026/08/18/ten-states-take-on-the-occ-over-national-bank-preemption-of-state-escrow-interest-laws/) _2026-08-18 · Alan S. Kaplinsky · Consumer Finance Monitor_ The battle over the scope of the Office of the Comptroller of the Currency’s authority to preempt state consumer financial laws has entered a new phase. On August 11, 2026, Oregon and nine other states with “blue” attorneys general filed a lawsuit challenging two rules adopted by the OCC that purport to preempt state laws requiring mortgage lenders to pay interest on funds held in escrow… ## [CFPB Ends Publication of Consumer Complaint Narratives and Data Visualizations](https://www.consumerfinancemonitor.com/2026/08/18/cfpb-ends-publication-of-consumer-complaint-narratives-and-data-visualizations/) _2026-08-18 · Alan S. Kaplinsky, John L. Culhane, Jr. and Richard J. Andreano, Jr. · Consumer Finance Monitor_ The Consumer Financial Protection Bureau announced on August 14, 2026, that it will cease its discretionary publication of consumer complaint narratives and associated data visualizations in the Consumer Complaint Database which it is statutorily required to maintain under the Dodd-Frank Act. The CFPB’s announcement represents a significant change in the way the Bureau makes consumer complaint… ## [FDIC Considers Industry Standard-Setting Organization for Third-Party Service Providers](https://www.consumerfinancemonitor.com/2026/08/17/fdic-considers-industry-standard-setting-organization-for-third-party-service-providers/) _2026-08-17 · Alan S. Kaplinsky, Ronald K. Vaske and Adam Maarec · Consumer Finance Monitor_ According to an exclusive Bloomberg Law report , the Federal Deposit Insurance Corporation is considering plans to work with banking and financial technology industry groups to establish a new standard-setting organization. The report is based on a term sheet that would establish a Banking Industry Standards Development Organization (BISDO) to develop standards and issue standard certifications to… ## [NYC’s SHIELD Debt Collection Rule: DCWP’s New FAQ Clarifies Key Compliance Questions](https://www.consumerfinancemonitor.com/2026/08/17/nycs-shield-debt-collection-rule-dcwps-new-faq-clarifies-key-compliance-questions/) _2026-08-17 · Alan S. Kaplinsky and John L. Culhane, Jr. · Consumer Finance Monitor_ In March, we re p orted on New York City’s new Stopping Harassment and Intimidation and Ensuring Lawful Debt Collection Rule (the “SHIELD Rule”), which substantially expands the Department of Consumer and Worker Protection’s (“DCWP”) regulation of debt collection in New York City and goes beyond the federal Fair Debt Collection Practices Act (“FDCPA”) and Regulation F. ... Continue Reading ## [FTC Abandons Disparate Impact and “Unfair Discrimination” Theories: A Major Shift in Federal Consumer-Protection Law](https://www.consumerfinancemonitor.com/2026/08/14/ftc-abandons-disparate-impact-and-unfair-discrimination-theories-a-major-shift-in-federal-consumer-protection-law/) _2026-08-14 · Richard J. Andreano, Jr., John L. Culhane, Jr., Alan S. Kaplinsky and Ronald K. Vaske · Consumer Finance Monitor_ The Federal Trade Commission (FTC) has taken a major step toward dismantling two theories of discrimination. In a new Policy Statement Regarding Disparate-Impact Claims and “Unfair Discrimination” Claims, the FTC announces that it will no longer pursue disparate-impact claims under the FTC Act or the Equal Credit Opportunity Act (ECOA). Just as significantly, although less prominently emphasized… ## [Ship everywhere from one CLI (Sponsored)](https://crawlproof.com/a/2rkLBRdsCFUv) _2026-08-14 · **Sponsored**_ One codebase, hosted runners, encrypted credentials, and automated submissions across stores ## [Senate Judiciary Hearing Reveals Bipartisan Support for Federal Action on AI-Driven “Surveillance Pricing”](https://www.consumerfinancemonitor.com/2026/08/14/senate-judiciary-hearing-reveals-bipartisan-support-for-federal-action-on-ai-driven-surveillance-pricing/) _2026-08-14 · John L. Culhane, Jr. and Alan S. Kaplinsky · Consumer Finance Monitor_ The Senate Judiciary Committee’s Subcommittee on Crime and Counterterrorism held an unusually consequential hearing on August 4 entitled “ Your Data, Their Profit: The Consumer Cost of AI Surveillance Pricing .” The hearing produced something that has become increasingly rare in Washington: substantial bipartisan agreement that Congress should do something about the use of consumers’ personal data… ## [Illinois Enacts Disparate Impact Standard for Credit Decisions: What Lenders Need to Know](https://www.consumerfinancemonitor.com/2026/08/14/illinois-enacts-disparate-impact-standard-for-credit-decisions-what-lenders-need-to-know/) _2026-08-14 · Alan S. Kaplinsky, Richard J. Andreano, Jr. and John L. Culhane, Jr. · Consumer Finance Monitor_ Introduction Illinois has joined a growing number of states that are expanding fair lending obligations at the state level even as the federal government moves in the opposite direction. On July 31, 2026, SB 3777 became Public Act 104-0744 , amending the Illinois Human Rights Act (Act) to prohibit not only intentional discrimination in lending and credit card issuance, but also the use of facially…