Inside the Book
Comprehensive Roadmap of the Regulatory Environment
- Federal and state regulatory authorities for residential mortgage origination and servicing, automobile finance, international money transfers, debt collection, consumer credit reporting, small dollar loans, and more
- Consumer Financial Protection Bureau Structure & Authorities
- CFPB Oversight and Procedural Due Process
The CFPB Big Three- Regulations, Supervision & Enforcement
- The CFPB’s exercise of its supervisory authority, including its process for pursuing enforcement action based on the fruits of supervision
- The mechanics of a CFPB enforcement investigation, including advice on responding to CIDs and the Office of Enforcement’s internal operating policies and procedures
- Insights into the allocation of agency workload via the “free space” method and the Action Review Committee (ARC), informed by material gathered by the authors via FOIA requests
- The anatomy of a consent order, civil money penalties, mitigating factors, responsible business conduct, and statutes of limitations
- How to litigate a CFPB administrative adjudication with a step-by-step guide to deadlines and applicable rules
The Enumerated Consumer Financial Protection Laws and Unfair, Deceptive & Abusive Acts and Practices
Covering 16 consumer finance laws and their regulations, find applicable authority at a glance
Nonbank Consumer Finance Markets
- Residential Mortgage Origination
- Residential Mortgage Servicing
- Automobile Finance
- International Money Transfers
- Debt Collection
- Consumer Credit Reporting
- Small Dollar Loans
Charts & Appendices
- Office of Enforcement Internal Policies & Procedure
- Acronyms and Jargon explained
- Timelines for supervision and administrative adjudication
- Comprehensive chart of CFPB Rulemaking since day 1
- Statutes of Limitations for Enumerated Statutes
- And many more!