ArticleToday's Podcast Episode: Fair Lending Developments Under Trump 2.0 – Part 1Today's episode marks the first of a two-part series, with Part Two scheduled for release on November 20th.United StatesFinance and BankingBallard Spahr LLP
ArticleToday's Podcast Episode: Significant 2025 Deregulatory Developments In Banking LawJoin host Alan Kaplinsky, founder and former longtime leader of Ballard Spahr's Consumer Financial Services Group and one of the foremost thought leaders in the industry...United StatesFinance and BankingBallard Spahr LLP
ArticleToday’s Podcast Episode: Debt Sales 101 Mini-Series — Episode 3: Who Buys Debt And How Deals Are StructuredWho purchases charged-off debt, and how do these transactions actually work? This episode explores the specialized world of debt buyers, examining how they evaluate portfolios through legal...United StatesFinance and BankingBallard Spahr LLP
ArticleTrump Announces Support For Legislation To Cap Credit Card Interest Rates At 10% Per Annum For One YearWe recently blogged about President Trump's Truth Social post in which he announced his intent to impose a 10% per annum interest rate cap on credit cards...United StatesFinance and BankingBallard Spahr LLP
ArticleCautious Optimism For Capital MarketsLife sciences capital markets in 2025 have been a mixed bag—some rays of light peeking through, but still, plenty of clouds for early-stage companies hoping to tap the public markets. United StatesFood, Drugs, Healthcare, Life SciencesBallard Spahr LLP
ArticleImpact Of The One Big Beautiful Bill Act On The Life Sciences IndustryOn July 4, 2025, President Trump signed the One Big Beautiful Bill Act (OBBBA) into law. The act extends several provisions of the Tax Cuts and Jobs Act, expands Health Savings Account (HSA) eligibility, and creates new childcare credits.United StatesFood, Drugs, Healthcare, Life SciencesBallard Spahr LLP
ArticleFed Transfers Funds To CFPB For Agency OperationsThe Federal Reserve has transferred funds to the Federal Reserve Bank of New York to pay the expenses of the CFPB for the third quarter of this fiscal year, according to a letter posted...United StatesGovernment, Public SectorBallard Spahr LLP
ArticlePaoletta Becomes CFPB Acting DirectorMark Paoletta has assumed the role of Acting Director of the Consumer Financial Protection Bureau following Russell Vought's term expiration under the Federal Vacancies Reform Act. While President Trump's nominee Brian Johnson awaits Senate confirmation after his July hearing, the Bureau continues operating under acting leadership with Vought reportedly staying on as senior adviser. United StatesGovernment, Public SectorBallard Spahr LLP
ArticleToday’s Podcast Episode: Risk-Based AML/CFT Reform: What Financial Institutions Need To Know About The Joint Banking Agency And FinCEN ProposalsFederal banking agencies and FinCEN have issued coordinated proposals to modernize anti-money laundering and countering the financing of terrorism compliance frameworks across financial services. This regulatory initiative represents a fundamental shift from traditional "check-the-box" compliance toward a risk-based, effectiveness-driven model that could reshape how institutions approach AML/CFT obligations. The proposals introduce new requirements for institutions to not only establish compliance programs United StatesGovernment, Public SectorBallard Spahr LLP
ArticleTenth Circuit Grants Rehearing En Banc In Colorado Opt-Out LitigationEarlier today, the Tenth Circuit entered an Order which granted the Petition for Rehearing En Banc filed by the plaintiff bank trade associations in the Colorado opt-out litigation...United StatesLitigation, Mediation & ArbitrationBallard Spahr LLP
ArticleWho’s Really At The Keyboard? Ninth Circuit Opines On Agentic AI In E-CommerceThe Ninth Circuit's recent decision in Amazon v. Perplexity raises critical questions about how existing computer fraud statutes apply to AI-powered shopping agents that operate through customer accounts. As retailers face increasing deployment of third-party AI tools on their platforms, this ruling provides crucial guidance on the limitations of traditional legal frameworks and the need for alternative enforcement strategies. United StatesMedia, Telecoms, IT, EntertainmentBallard Spahr LLP
ArticleCalifornia Assembly Committee Advances CIPA ReformOn July 1, 2026, the California Assembly’s Committee on Privacy and Consumer Protection passed SB 690, a bill that would amend the California Invasion of Privacy Act (CIPA) to cut off the flood of litigation...United StatesPrivacyBallard Spahr LLP
ArticleDisney Hit With Class Action Lawsuits Immediately Following FTC SettlementIn a reminder that the FTC's new enforcement priorities will likely drive additional litigation risks, days after the settlement was announced, Disney Worldwide Services and Disney Entertainment Operations, LLC...United StatesPrivacyBallard Spahr LLP
ArticleOklahoma Passes Comprehensive State Privacy LegislationOn March 20, 2026, Oklahoma’s governor signed S.B. 546 making Oklahoma the latest state to enact a comprehensive state privacy law. The law, effective January 1, 2027...United StatesPrivacyBallard Spahr LLP
ArticleSouth Carolina Enacts New Data Privacy Law Protecting Minors: What Companies Need To Know Before July 1On February 5, 2026, Governor Henry McMaster signed into law South Carolina's Age-Appropriate Code Design Act. South Carolina joins California, Maryland and Vermont...United StatesPrivacyBallard Spahr LLP
ArticleData Centers, Local Zoning, And Land Development: How To Protect Your Project From Costly DelaysData center development continues to surge, yet local zoning and land development frameworks have not kept pace. Across the country, projects are encountering...United StatesReal Estate and ConstructionBallard Spahr LLP
ArticleWashington State Legislature Introduces Bill To Expand Capital Gains Tax To Qualified Small Business StockThe Washington State Legislature has recently introduced Senate Bill 6229 (and complementary House Bill 2292), which would impose the State's capital gains tax to gains realized from the sale...United StatesTaxBallard Spahr LLP
ArticleBig Week On The AI Legislation FrontWith the Colorado legislative session coming to its waning days, many have been eagerly waiting for Colorado AI Act amendment proposals. Absent an amendment, the Colorado AI Act...United StatesTechnologyBallard Spahr LLP
ArticleChinese Enforcement Actions Reinforce Need For Global Privacy Compliance StrategyChina's internet regulatory authority and top prosecutors have recently released a series of enforcement actions and cases, aimed at highlighting enforcement priorities in the data security realm over the last year.United StatesTechnologyBallard Spahr LLP
ArticleWhat To Expect In AI Regulation In 2026The past year set up a clear clash between federal deregulatory efforts and state-level AI rulemaking, and 2026 is poised to be the year that conflict materializes...United StatesTechnologyBallard Spahr LLP