Truth in Lending Act

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On May 12, 2026, we produced a 90-minute webinar in which we explored one of the most important and rapidly developing issues in consumer financial services law: coerced debt and the emerging legislative efforts designed to address it. The webinar has been re-purposed into a two-part podcast series, the first of which was released this past Thursday, June 11th, and the second of which is being released today, Thursday, June 18th.… Continue Reading

In today’s episode of the Consumer Finance Monitor Podcast Show, our host, Ballard Spahr’s Alan Kaplinsky, was joined by colleagues Steven Burt and Melanie Vartabedian to explore a rapidly evolving and increasingly complex area of consumer financial services: residential solar finance.

Building on prior discussions of the broader solar finance landscape, this episode zeroes in on the regulatory and litigation developments that are reshaping the residential solar market in real time.… Continue Reading

The CFPB seems to be feeling defensive about the length of its recently-issued proposal  that combines the separate application disclosures and the separate closing disclosures required by the Real Estate Settlement Procedures Act and Truth in Lending Act into a single application disclosure and a single closing disclosure. 

The CFPB has put a new post on its blog titled “Explainer: Why did it take 1,099 pages to propose a three-page mortgage disclosure?”  … Continue Reading

On July 9, 2012 the CFPB issued two significant proposed mortgage-related rulemakings under The Dodd-Frank Wall Street Reform and Consumer Protection Act.

One proposal provides for the combination of the separate application disclosures and the separate closing disclosures required by the Real Estate Settlement Procedures Act and Truth in Lending Act into a single application disclosure (the “Loan Estimate”) and single closing disclosure (aptly, the “Closing Disclosure”).… Continue Reading