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Compliance and Enforcement in Consumer Financial Services: Navigating the Changing Landscape of Federal and State Oversight (Presented by Troutman Pepper Locke)

2025-10-29 13:00:00

2025-10-29 13:00:00

2 Credits

Current federal and state regulatory trends in consumer finance, covering CFPB changes, AI compliance, fair lending, and enforcement priorities.

2025-10-29 13:00:00

Current federal and state regulatory trends in consumer finance, covering CFPB changes, AI compliance, fair lending, and enforcement priorities.

2025-10-29 13:00:00

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

1000+

Live stream programs

24/7

Access to live webinars & recordings

70,000+

Trusted by Legal Professionals

Key topics that will be covered

What will you learn

Attorneys will learn how federal and state regulatory dynamics are shifting in consumer financial services, including CFPB changes, state enforcement trends, AI considerations, and fair lending requirements.

What will you gain

Attorneys will gain practical risk mitigation strategies for bank model programs, AI compliance, collections practices, and navigating the evolving interplay between federal and state oversight.

Regulatory Shifts
CFPB has been neutralized while states actively fill enforcement gaps.
AI Compliance
States lead AI regulation; fair lending testing remains critical despite federal pullback.
State Enforcement
State attorneys general are hiring former CFPB staff and increasing enforcement activity.
Bank Partnerships
Preemption arguments face challenges as states expand licensing requirements for bank partners.
Collections Updates
California extends Rosenthal Act protections to small business debt collection activities.
Medical Debt
Twenty states enacted medical debt credit reporting legislation amid federal rule changes.

What will you learn

Attorneys will learn how federal and state regulatory dynamics are shifting in consumer financial services, including CFPB changes, state enforcement trends, AI considerations, and fair lending requirements.

What will you gain

Attorneys will gain practical risk mitigation strategies for bank model programs, AI compliance, collections practices, and navigating the evolving interplay between federal and state oversight.

Agenda

Session 1

Navigating Federal and State Regulatory Dynamics

Session 2

CFPB and State AG Enforcement Strategies

Session 3

Emerging Trends in Collections and Credit Reporting

clock 1:00 pm - 2:00 pm EST

Navigating Federal and State Regulatory Dynamics

Stefanie H. Jackman

Troutman Pepper Locke

Michael Yaghi

Troutman Pepper Locke

Caleb N. Rosenberg

Troutman Pepper Locke

Lane Richards Page

Troutman Pepper Locke

This session examines the significant transformation in consumer financial services regulation following changes at the CFPB, including enforcement case closures and rule withdrawals. Attendees will explore how states are responding to the federal pullback through new legislation, enforcement initiatives, and recruitment of former CFPB personnel, while understanding why compliance programs should treat current changes as temporary.

Stefanie H. Jackman

Troutman Pepper Locke

Michael Yaghi

Troutman Pepper Locke

Caleb N. Rosenberg

Troutman Pepper Locke

Lane Richards Page

Troutman Pepper Locke

clock 2:10 pm - 2:40 pm EST

CFPB and State AG Enforcement Strategies

Stefanie H. Jackman

Troutman Pepper Locke

Michael Yaghi

Troutman Pepper Locke

Caleb N. Rosenberg

Troutman Pepper Locke

Lane Richards Page

Troutman Pepper Locke

Gain critical insights into how state attorneys general are filling perceived gaps in federal consumer protection, including New York’s landmark FAIR Act and expanded UDAP authority. This session covers AI regulatory developments, fair lending considerations despite reduced federal focus, and emerging enforcement areas including pricing transparency, junk fees, and protection of elderly consumers.

Stefanie H. Jackman

Troutman Pepper Locke

Michael Yaghi

Troutman Pepper Locke

Caleb N. Rosenberg

Troutman Pepper Locke

Lane Richards Page

Troutman Pepper Locke

clock 2:40 pm - 3:10 pm EST

Emerging Trends in Collections and Credit Reporting

Stefanie H. Jackman

Troutman Pepper Locke

Michael Yaghi

Troutman Pepper Locke

Caleb N. Rosenberg

Troutman Pepper Locke

Lane Richards Page

Troutman Pepper Locke

Explore the evolving landscape of small business lending regulations, bank model lending challenges, and the growing patchwork of state commercial financing disclosure laws. This session addresses AI compliance in collections including TCPA implications, medical debt developments at federal and state levels, and California’s new small business collections requirements under SB 1286.

Stefanie H. Jackman

Troutman Pepper Locke

Michael Yaghi

Troutman Pepper Locke

Caleb N. Rosenberg

Troutman Pepper Locke

Lane Richards Page

Troutman Pepper Locke

01 03
Prev
Next

speakers

Joe Ervin

The Law Firm for Truck Safety, LLP
A Partner at The Law Firm for Truck Safety. He focuses exclusively on cases involving commercial motor vehicle crashes and wrongful death. Joe also holds a valid class “A” commercial driver’s license with endorsements for double/triple trailers and tankers.

Education & Credentials

A 2013 graduate of the Gerry Spence Trial Lawyers College in Dubois, Wyoming, Joe is rated AV Preeminent™ by Martindale-Hubbell — the highest peer rating for exceptional legal ability and ethics. He is among the first nine attorneys nationwide to earn board certification in Truck Accident Law from the National Board of Trial Advocacy.

Recognition & Leadership

Joe received the Roadway Safety Award from the American Association for Justice (AAJ) for his commitment to improving highway safety.
 He currently serves as Co-Chair of the Academy of Truck Accident Attorneys (ATAA) Safety Committee, advocating for higher safety standards across the trucking industry.

Professional Involvement

Joe serves on the faculty of the AAJ Advanced Trial Advocacy College: Litigating Truck Collision Cases (2015 & 2024).
 He is an active member of AAJ’s Trucking Litigation Group and sits on the Board of Regents for the Academy of Truck Accident Attorneys.

Experience

Joe frequently consults and co-counsels on complex commercial truck cases. His proven track record includes numerous successful trials against motor carriers and truck leasing companies — delivering justice for victims of commercial vehicle accidents.

Kevin Foley

Reminger Co
A Partner at The Law Firm for Truck Safety. He focuses exclusively on cases involving commercial motor vehicle crashes and wrongful death. Joe also holds a valid class “A” commercial driver’s license with endorsements for double/triple trailers and tankers.

Education & Credentials

A 2013 graduate of the Gerry Spence Trial Lawyers College in Dubois, Wyoming, Joe is rated AV Preeminent™ by Martindale-Hubbell — the highest peer rating for exceptional legal ability and ethics. He is among the first nine attorneys nationwide to earn board certification in Truck Accident Law from the National Board of Trial Advocacy.

Recognition & Leadership

Joe received the Roadway Safety Award from the American Association for Justice (AAJ) for his commitment to improving highway safety.
 He currently serves as Co-Chair of the Academy of Truck Accident Attorneys (ATAA) Safety Committee, advocating for higher safety standards across the trucking industry.

Professional Involvement

Joe serves on the faculty of the AAJ Advanced Trial Advocacy College: Litigating Truck Collision Cases (2015 & 2024).
 He is an active member of AAJ’s Trucking Litigation Group and sits on the Board of Regents for the Academy of Truck Accident Attorneys.

Experience

Joe frequently consults and co-counsels on complex commercial truck cases. His proven track record includes numerous successful trials against motor carriers and truck leasing companies — delivering justice for victims of commercial vehicle accidents.

Grant H. Lawson

The Law Firm for Truck Safety, LLP
A Partner at The Law Firm for Truck Safety. He focuses exclusively on cases involving commercial motor vehicle crashes and wrongful death. Joe also holds a valid class “A” commercial driver’s license with endorsements for double/triple trailers and tankers.

Education & Credentials

A 2013 graduate of the Gerry Spence Trial Lawyers College in Dubois, Wyoming, Joe is rated AV Preeminent™ by Martindale-Hubbell — the highest peer rating for exceptional legal ability and ethics. He is among the first nine attorneys nationwide to earn board certification in Truck Accident Law from the National Board of Trial Advocacy.

Recognition & Leadership

Joe received the Roadway Safety Award from the American Association for Justice (AAJ) for his commitment to improving highway safety.
 He currently serves as Co-Chair of the Academy of Truck Accident Attorneys (ATAA) Safety Committee, advocating for higher safety standards across the trucking industry.

Professional Involvement

Joe serves on the faculty of the AAJ Advanced Trial Advocacy College: Litigating Truck Collision Cases (2015 & 2024).
 He is an active member of AAJ’s Trucking Litigation Group and sits on the Board of Regents for the Academy of Truck Accident Attorneys.

Experience

Joe frequently consults and co-counsels on complex commercial truck cases. His proven track record includes numerous successful trials against motor carriers and truck leasing companies — delivering justice for victims of commercial vehicle accidents.

Stefanie H. Jackman

Troutman Pepper Locke

Michael Yaghi

Troutman Pepper Locke

Caleb N. Rosenberg

Troutman Pepper Locke

Lane Richards Page

Troutman Pepper Locke

Stefanie H. Jackman

Troutman Pepper Locke

Stefanie devotes her practice to assisting financial services institutions facing state and federal government investigations and examinations, counseling them on complex compliance issues, and defending them in individual and class action lawsuits. She represents clients across the financial services industry including banks, nonbanks, mortgage lenders, debt collectors, fintechs, and more.

Experience

Stefanie represents clients across the financial services industry on issues arising under federal and state consumer financial laws including UDAP/UDAAP statutes, FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA. She regularly counsels clients on compliance assessments relating to debt collection, credit reporting, dispute resolution, fair lending, underwriting, and vendor oversight. She also assists clients in designing new products and processes including product structuring, advertising, online application flows, underwriting, and servicing-related strategies.

Stefanie H. Jackman

Troutman Pepper Locke

Stefanie devotes her practice to assisting financial services institutions facing state and federal government investigations and examinations, counseling them on complex compliance issues, and defending them in individual and class action lawsuits. She represents clients across the financial services industry including banks, nonbanks, mortgage lenders, debt collectors, fintechs, and more.

Experience

Stefanie represents clients across the financial services industry on issues arising under federal and state consumer financial laws including UDAP/UDAAP statutes, FDCPA, FCRA, TCPA, EFTA, SCRA, and TILA. She regularly counsels clients on compliance assessments relating to debt collection, credit reporting, dispute resolution, fair lending, underwriting, and vendor oversight. She also assists clients in designing new products and processes including product structuring, advertising, online application flows, underwriting, and servicing-related strategies.

Michael Yaghi

Troutman Pepper Locke

Michael is a partner in the firm’s State Attorneys General and Regulatory Investigations, Strategy + Enforcement (RISE) Practice Groups, advising clients on consumer protection enforcement matters and regulatory issues. He represents clients in regulatory enforcement investigations involving advertising, sales practices, membership programs, telemarketing, and consumer financial services.

Recognition & Leadership

The Legal 500 United States recognizes Michael as a key lawyer in its State Attorneys General Practice.

Experience

Michael began his career as a commercial litigator and works with companies facing regulatory enforcement cases brought by state attorneys general, the FTC, and CFPB. He handles investigations involving advertising campaigns, promotional materials, marketing and sales practices, telemarketing campaigns, and email marketing. He also leverages his experience with the Better Business Bureau to help clients enhance relationships with regional BBBs and the Council of Better Business Bureaus, leading to improvements in client BBB ratings and accreditation.

Caleb N. Rosenberg

Troutman Pepper Locke

Caleb helps clients across the financial services industry navigate the complexities of a highly regulated landscape, advising fintech companies and state and national banks on regulatory risks posed by state and federal consumer protection laws.

Experience

Caleb advises industry trade groups on pending legislation and rules, drafts comment letters, and provides guidance on day-to-day operational issues. He assists with transactions including secured and unsecured loan agreements, retail installment sales contracts, credit card agreements, and alternative finance agreements. He performs regulatory due diligence on fintech companies and assists clients in responding to regulatory inquiries. Before entering private practice, Caleb was a staff attorney at the U.S. Court of Appeals for the Eighth Circuit, providing recommendations in civil and criminal cases on employment discrimination, FMLA, Class Action Fairness Act, federal jurisdiction, and procedural rules.

Lane Richards Page

Troutman Pepper Locke

Lane represents financial institutions and other clients in federal and state regulatory investigations and complex civil litigation, with particular focus on consumer protection and fair lending issues.

Professional Involvement

Lane is committed to pro bono work, representing clients seeking asylum before the U.S. Immigration Court, handling housing matters before D.C. Superior and Landlord-Tenant courts, and advocating for clients seeking Social Security benefits before the Social Security Administration.

Experience

Lane has experience dealing with investigations led by the CFPB, DOJ, FTC, HUD, Office of the Comptroller of the Currency, SEC, and numerous state attorneys general. His practice extends to class action and general litigation, internal investigations, transactional due diligence, and risk assessments of policies and procedures.

Plans

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Individual Purchase
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Corporate CLE Plan
$95 – $245
Price varies based
on the course duration
of 1 to 3+ hours
Access type Pay per
class
Number of Available Webinars 1
Number of New Webinars Added Yearly Limited
Earn "Live" CLE credit Included
Ability to Ask Questions During
the Presentation via a Chat Box
Included
Attend "Live" Re-Broadcasts Included
Exclusive Partner Webinars & Events
Special credits (Ethics, Elimination
of Bias, etc.)
Instant Certificates After Completion
Personalized CLE Platform
Live Conferences
Bootcamps

Why Attend

Why this 
program matters

Understanding consumer financial services compliance and enforcement is critical for practitioners because regulatory dynamics shift rapidly across federal and state jurisdictions, creating significant liability exposure over multi-year lookback periods.
$21B+
Total consumer relief obtained through CFPB enforcement and supervisory work since the Bureau’s inception.
1.2k+
AI-related bills introduced by state lawmakers across all 50 states during the 2025 legislative session.
$150M
Total penalties assessed through DOJ Combatting Redlining Initiative settlements with 15 financial institutions since 2021.
11
States that have enacted commercial financing disclosure laws requiring consumer-like disclosures in certain small business finance transactions since 2018.

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MCLE Credits

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Requirements

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