Consumer Finance Monitor

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The Consumer Financial Services industry is changing quickly. This weekly podcast from national law firm Ballard Spahr focuses on the consumer finance issues that matter most, from new product development and emerging technologies to regulatory compliance and enforcement and the ramifications of private litigation. Our legal team—recognized as one of the industry's finest— will help you make sense of breaking developments, avoid risk, and make the most of opportunity.

Recent Episodes
  • Everything You Want to Know About the CFPB as Things Stand Today, and Lots More - Part 2
    Apr 17, 2025 – 52:12
  • Everything You Want to Know About the CFPB as Things Stand Today and Lots More - Part 1
    Apr 10, 2025 – 51:47
  • A Deep Dive Into Judge Jackson’s Preliminary Injunction Order Against CFPB Acting Director Vought
    Apr 4, 2025 – 55:31
  • Prominent Journalist, David Dayen, Describes his Reporting on the Efforts of Trump 2.0 to Curb CFPB
    Apr 3, 2025 – 01:00:03
  • A Debate About The Need, If Any, For a Federal Charter for Non-Banks Engaged in the Payments Business
    Mar 27, 2025 – 01:04:14
  • How to use the Restatement of Consumer Contracts: A Guide for Judges
    Mar 20, 2025 – 55:58
  • Prof. Hal Scott Doubles Down on His Argument That CFPB is Unlawfully Funded Because of Combined Losses at Federal Reserve Banks
    Mar 13, 2025 – 56:40
  • “Accidental Arbitration” -- A New Theory that Would Rein in Consumer Arbitration Clauses and the Scope of the FAA
    Mar 6, 2025 – 01:02:01
  • The Patterns of Digital Deception
    Feb 27, 2025 – 35:24
  • Banking as a Service
    Feb 20, 2025 – 01:13:57
  • The Fall of The CFPB, The Rise of The State AG
    Feb 14, 2025 – 35:54
  • Will the State Attorneys General and Other State Agencies Fill the Void Left by the CFPB?
    Feb 12, 2025 – 01:05:01
  • Alan Kaplinsky’s “Fireside Chat” with Matthew J. Platkin, New Jersey Attorney General
    Feb 11, 2025 – 29:39
  • Regulating Bank Reputation Risk
    Feb 6, 2025 – 55:50
  • The Impact of the Election on the CFPB: What to Expect with Supervision and Enforcement During Trump 2.0
    Jan 30, 2025 – 41:35
  • Alan Kaplinsky’s “Fireside Chat” with Kathy Kraninger, Former Director of the CFPB During Trump 1.0
    Jan 23, 2025 – 01:00:05
  • The CFPB’s Proposed Data Broker Rule
    Jan 16, 2025 – 01:07:11
  • The Impact of the Election on the CFPB: What to Expect on Key Regulatory Issues During Trump 2.0
    Jan 9, 2025 – 56:15
  • Alan Kaplinsky’s “Fireside Chat” with Former CFPB Leader David Silberman: His Experience During the Prior Transition from the Obama Administration to Trump 1.0
    Jan 2, 2025 – 38:07
  • Navigating the New CFPB Open Banking Rule
    Dec 26, 2024 – 01:03:43
  • Banks Aren’t Over-Regulated, They Are Over-Supervised
    Dec 19, 2024 – 52:11
  • Consumer Federation of America (“CFA”) Speaks Out About CFPB’s and FTC’s Direction During the Trump Administration
    Dec 12, 2024 – 01:04:50
  • A Look at the FTC’s Click-to-Cancel Rule, with James Kohm, Associate Director of Enforcement Division of the FTC’s Bureau of Consumer Protection
    Dec 5, 2024 – 51:36
  • Post-Election Insights: Impacts on the Banking and Consumer Financial Services Industry
    Nov 27, 2024 – 01:03:03
  • An Empirical Study of Boilerplate in Consumer Contracts
    Nov 21, 2024 – 01:00:24
  • Should Congress Create a New Federal Charter for Non-Bank Payments Companies?
    Nov 14, 2024 – 54:23
  • CFPB’s Proposed Mortgage Servicing Rule Amendments: Understanding the Impact on Loss Mitigation, Foreclosure, and Language Access
    Nov 7, 2024 – 54:49
  • State Fair Access and Debanking Laws Bring Country’s Political and Cultural Divisions to the Fore
    Oct 31, 2024 – 01:20:18
  • How the CFPB Is Using Interpretive Rules to Expand Regulatory Requirements for Innovative Consumer Financial Products; Part Two—Earned Wage Access
    Oct 24, 2024 – 42:19
  • How the CFPB Is Using Interpretive Rules to Expand Regulatory Requirements for Innovative Consumer Financial Products; Part One - Buy-Now, Pay-Later
    Oct 17, 2024 – 42:05
  • The Regulation of Negative Option Consumer Contracts – Silence as Consent
    Oct 10, 2024 – 59:33
  • Have State-Chartered, FDIC-Insured Banks Finally Achieved Interstate Usury Parity with National Banks?
    Oct 3, 2024 – 01:05:44
  • Regulators Escalate Focus on the Risks of Bank Relationships with Fintechs and Other Third Parties
    Sep 26, 2024 – 55:16
  • The Demise of the Chevron Doctrine – Part II
    Sep 19, 2024 – 01:02:59
  • The Demise of the Chevron Doctrine Part I
    Sep 12, 2024 – 44:30
  • The Cantero Opinion: The Supreme Court Leaves National Bank Preemption in Limbo
    Sep 5, 2024 – 01:03:38
  • The CFPB’s Registry of Nonbanks and Circular that Certain Contract Terms Violate Law
    Aug 29, 2024 – 58:26
  • Why do Fintechs Want to Become Banks?
    Aug 22, 2024 – 59:40
  • Should Medical Debt Be Included in Creditworthiness Measures?
    Aug 15, 2024 – 46:28
  • Credit Card and Other Rewards Programs in the Crosshairs
    Aug 8, 2024 – 54:53
  • Universal Injunctions, Associational Standing, and Forum Shopping - Their Effects on Legal Challenges to Regulations
    Aug 1, 2024 – 54:11
  • Buy Now, Pay Later – Evolution, Regulation, and What You Need to Know about the CFPB Interpretive Rule Effective July 30
    Jul 25, 2024 – 01:00:04
  • Interest Rate Exportation Under Attack Part II
    Jul 18, 2024 – 41:03
  • Interest Rate Exportation Under Attack Part I
    Jul 11, 2024 – 29:00
  • California Consumer Finance Law - Hot Topics and Recent Developments
    Jul 3, 2024 – 54:28
  • Consumer Financial Protection Bureau Wins in Supreme Court But Can the Fed Continue to Fund the CFPB Without Earnings?
    Jun 27, 2024 – 56:22
  • What Banking Leaders Need to Know About the U.S. Supreme Court Ruling That the CFPB’s Funding Mechanism is Constitutional Part II
    Jun 20, 2024 – 33:14
  • What Banking Leaders Need to Know About the U.S. Supreme Court Ruling That the CFPB’s Funding Mechanism is Constitutional Part I
    Jun 13, 2024 – 52:21
  • Did the Supreme Court Hand the CFPB a Pyrrhic Victory?
    Jun 6, 2024 – 43:56
  • An Insider’s View of the CFPB
    May 30, 2024 – 59:14
Recent Reviews
  • Bookmarm
    Timely and helpful!
    Appreciate these insights as we navigate the many changes happening on the daily.
  • OMG all names used
    Worth Your Time
    Great info for those in the finance industry. Thanks
  • Compliance Listener
    Podcasts
    Love the podcasts but don’t like the fact they are sped up. It’s harder to follow.
  • kotaesu
    Good podcast
    Enjoyed the podcast on crypto. Let’s hear one on Mary Jane!
  • butterflysongs
    Easy to Understand
    Thanks for discussing legal issue in easily understood language!
  • Bendalina
    Good stuff
    Nerd out on consumer finance legal issues
  • zombiesniper1911
    Very helpful
    This was very helpful information and explained in a way that was easy to understand. Thank you!
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