ArticleWA Long Term Care Premium Tax Suspended, Sort Of MaybeWe alerted our readers last April to the Washington State Payroll Tax created to fund the Long Term Care Trust Fund. United StatesEmployment and HRBallard Spahr LLP
ArticleCFPB Inspector General Says Bureau's Information Security Program Is IneffectiveThe quality of the CFPB's information security program "has decreased since last year, leading us to conclude the program no longer is effective," the bureau's Inspector General (IG), said in a report.United StatesFinance and BankingBallard Spahr LLP
ArticleCFPB Releases College Credit Card ReportFor the first time since 2017, the total number of college- and university-affiliated credit card issuers did not decrease, but stayed at 133...United StatesFinance and BankingBallard Spahr LLP
ArticleFirst Circuit Rules National Bank Act Does Not Preempt Rhode Island State Law: Is There Still Any Advantage To Having A National Bank Charter? (Podcast)As our regular podcast listeners know, we ordinarily release a new podcast show once each week on Thursday. On a very few occasions, we have released a special extra podcast...United StatesFinance and BankingBallard Spahr LLP
ArticleSenate Banking Committee Schedules Confirmation Hearing For CFPB Director Nominee Brian JohnsonThe Senate Banking Committee has scheduled a confirmation hearing for Brian Johnson, President Trump's nominee to lead the Consumer Financial Protection Bureau. The hearing comes at a critical juncture as the CFPB undergoes significant restructuring efforts and faces multiple high-profile court proceedings. Johnson's testimony is expected to provide the first detailed public indication of his priorities for the Bureau and its future direction under the Trump Administration. United StatesGovernment, Public SectorBallard Spahr LLP
ArticleInside Year One: Immigration Developments Under A New AdministrationAs we move into 2026, employers across industries should expect continued volatility in immigration enforcement priorities, including increased worksite and community-based operations.United StatesImmigrationBallard Spahr LLP
ArticleSupreme Court Denies Ousted Democratic NCUA Board Members' Request For Expedited ConsiderationThe Supreme Court has denied a request to consider on an expedited basis a petition from two ousted Democratic NCUA board who are challenging their firings.United StatesLitigation, Mediation & ArbitrationBallard Spahr LLP
ArticleDisparate Impact Executive Order And HUD To Reconsider Disparate Impact RulePresident Trump recently signed an Executive Order entitled "Restoring Equality of Opportunity and Meritocracy" to eliminate the use of disparate impact liability.United StatesReal Estate and ConstructionBallard Spahr LLP
ArticleNationwide Freeze Issued Preventing Federal Government From Enforcing COVID-19 Vaccine Mandate For Federal ContractorsA nationwide injunction has been issued, effectively preventing the federal government from requiring certain federal contractors and their subcontractors to mandate COVID-19 vaccination for employees.United StatesCoronavirus (COVID-19)Ballard Spahr LLP
ArticleCalifornia DFPI Appeals Trial Court Decision Rejecting Its “True Lender” Theory In OppFi CaseThe California Department of Financial Protection and Innovation (DFPI) has taken the next step in its challenge to a bank-fintech lending program by appealing the Los Angeles County Superior Court’s decision in Opportunity Financial, LLC v. Hewlett. According to the Superior Court docket, a Notice of Appeal was filed on July 21, 2026...United StatesFinance and BankingBallard Spahr LLP
ArticleFour Judges Dissent From Ninth Circuit Denial Of Rehearing En Banc In Seila Law; Seila Law Asks Ninth Circuit To Stay Mandate Pending Filing Of A Cert PetitionIn December 2020, after the U.S. Supreme Court ruled that the CFPB's structure was unconstitutional and remanded the case for further consideration, a unanimous panel of the U.S. Court of Appeals for the ...United StatesFinance and BankingBallard Spahr LLP
ArticleMassachusetts AG Reaches Settlement With Student Loan Company, Earnest Operations LLCMassachusetts Attorney General Andrea Joy Campbell has reached a $2.5 million settlement with Earnest Operations LLC, a Delaware-based student loan company. United StatesFinance and BankingBallard Spahr LLP
PodcastCoerced Debt: New York’s Landmark Law And Emerging Trends Nationwide - Part 1 (Podcast)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...United StatesConsumer ProtectionBallard Spahr LLP
ArticleToday’s Podcast Episode: AI Liability Comes Into Focus: A Conversation With Mark Geistfeld On The ALI’s Civil Liability Principles ProjectArtificial intelligence is rapidly transforming consumer financial services and countless other industries.United StatesConsumer ProtectionBallard Spahr LLP
ArticleThe INVEST In America Act Advances To The House Of Representatives; The $547 Billion Bill Will Have A Large Impact On Washington State TransitOver $340 billion is targeted at traditional spending on roads and bridges.United StatesTransportBallard Spahr LLP
ArticlePassage Of California's Prop 22 Provides Relief For Ridesharing Companies; Could Ripple To Other State And Federal LawCalifornia voters overwhelmingly approved Proposition 22. The ballot measure exempts app-based rideshare and delivery companies from AB 5United StatesEmployment and HRBallard Spahr LLP
PodcastA Deep Dive On BNPL Regulation And Other "Hot" Topics With Max Dubin Of The New York DFS (Podcast)We're pleased to announce that our latest episode of the Consumer Finance Monitor Podcast is now live and it's one you won't want to miss.United StatesFinance and BankingBallard Spahr LLP
ArticleComing Soon: A Must-Listen Conversation With A Key New York RegulatorWe're pleased to offer an early preview of an upcoming episode of the Consumer Finance Monitor Podcast—and this is one you won't want to miss.United StatesFinance and BankingBallard Spahr LLP
ArticleFDIC Files Amicus Brief Supporting Preliminary Injunction Against Oregon’s DIDMCA Opt-Out LawThe Federal Deposit Insurance Corporation (“FDIC”) filed an amicus brief supporting the motion for a preliminary injunction filed by the National Association of Industrial Bankers (“NAIB”), the Online Lenders Alliance (“OLA”), and the American Financial Services Association (“AFSA”) in their challenge to Oregon’s recently enacted opt-out law. United StatesFinance and BankingBallard Spahr LLP
ArticleTrump Administration Seeks End To Tax-Exempt Status For Private Schools Offering Race-Based Support To StudentsThe U.S. Department of Treasury has proposed new regulations that would revoke federal tax-exempt status for private schools and colleges that consider race, color, or national origin in any of their policies or practices. The proposed rule would eliminate existing provisions that currently permit limited race-conscious measures and could dramatically affect thousands of private educational institutions across the country. United StatesTaxBallard Spahr LLP