Category Archives: CFPB

A Tale of Two Agencies: The Travails of the CFPB and FHFA

By | January 9, 2020

Courtesy of Joseph A. Smith, Jr. The Federal Housing Finance Agency (FHFA) and Consumer Financial Protection Bureau (CFPB) were established to address distinct aspects of the Global Financial Crisis. The Home Ownership and Economic Recovery Act of 2008 (HERA)[1] created the FHFA to provide for enhanced and rigorous supervision of Fannie Mae and Freddie Mac.… Read More »

Bankruptcy’s Adjunct Regulator

By | December 9, 2019

Courtesy of Alexandra Sickler and Kara Bruce Bankruptcy and consumer finance laws operate in independent silos. Many consumer advocates view bankruptcy as a remote and specialized field, while bankruptcy proponents tend to view bankruptcy as a complete and exhaustive system. Our forthcoming paper, Bankruptcy’s Adjunct Regulator (Florida Law Review), bridges these fields with a comprehensive… Read More »

Three Countries America Can Learn From When it Comes to Protecting Consumers

By | September 25, 2018

Courtesy of Elena Botella Consumer protection doesn’t appear to be very high on the Trump administration’s list of priorities. In fact, since President Trump tapped Mick Mulvaney to lead the Consumer Financial Protection Bureau in November, a number of regulations and initiatives introduced during the Obama years have been rolled back. This includes relaxing restrictions… Read More »