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ARTICLE · 15 OCTOBER 2015

State AGs In The News - October 8th, 2015

Blank Rome
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he Consumer Financial Protection Bureau (CFPB) settled with Westlake Services, LLC and wholly-owned subsidiary Wilshire Consumer Credit, LLC ("Westlake")...

United StatesConsumer Protection
Doreen Manchester
Doreen Manchester
Aaron R. Lancaster
Aaron R. Lancaster
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Consumer Financial Protection Bureau

CFPB Continues Drive to Clean Up Auto Lending

  • The Consumer Financial Protection Bureau (CFPB) settled with Westlake Services, LLC and wholly-owned subsidiary Wilshire Consumer Credit, LLC ("Westlake"), resolving allegations that the indirect auto lender and title loan company violated the Consumer Financial Protection Act, the Fair Debt Collection Practices Act, and the Truth in Lending Act.
  • The CFPB alleged that Westlake deceived borrowers by using call spoofing technology to make borrowers think they were being called by repossession companies, investigation or enforcement divisions, flower delivery companies, and even the borrowers' family and friends. The CFPB alleged that, in some cases, Westlake's goal was to trick the borrower into making additional payments to avoid repossession and, in other cases, it was to discover the location of a vehicle so it could be repossessed. In addition, Westlake allegedly called

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