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CFPB Announces Review of Adjudication Process

The Consumer Financial Protection Bureau has announced the next area of its operation that it is reviewing will be administrative adjudications. Mick Mulvaney, the CFPB’s acting director, announced earlier this month that the agency would conduct a comprehensive review of all of its operations, beginning with the Civil Investigative Demand letter …

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Full D.C. Appeals Court Rules CFPB Structure is Constitutional


The full U.S. Court of Appeals for the District of Columbia ruled today that the leadership structure of the Consumer Financial Protection Bureau is constitutional, overturning an earlier decision issued by three of the court’s judges back in 2016. The case, PHH v. Consumer Financial Protection Bureau, has been closely …

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ACA Whitepaper Analyzes Collection Complaints Submitted to CFPB

Comments from Mick Mulvaney, the acting director of the Consumer Financial Protection Bureau, have made it appear as though the agency will be using its consumer complaint database as a tool to prioritize its regulatory agenda. In those remarks, Mulvaney pointed to the number of complaints about debt collectors, saying: …

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States Fine Agency For Improper Handling of Unclaimed Funds, Failing to Give Mini-Miranda

The Minnesota Department of Commerce and the Wisconsin Department of Financial Institutions have jointly entered into a consent agreement with American Accounts & Advisors, Inc., related to how the agency handled unclaimed funds. Separately, the Minnesota Department of Commerce fined five separate collection agencies for failing to provide the “mini-Miranda” …

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