SGA Resources Talking Points Talking PointsAPR Limits Automated Clearing House and Electronic PaymentsCredit Scoring 101: Existing RegulationsCredit Scoring BenefitsConsumer Protection LawsData Breach LegislationData Breach Legislation - FederalDealership Financing at a GlanceDebit CardsDoD Rate Cap for Payday LendingDriver/Owner Vehicle Liability Shifting FACT Act and Federal PreemptionFiduciary DutyFile Freeze LegislationFinancial Literacy EducationFinancial Literacy Education and Mortgage LendingForeclosuresGift & Stored Value CardsGlobalization/OutsourcingHome Mortgage Disclosure Act (HMDA)Installment vs. Payday LoansInterchange FeesMandatory Arbitration Mandatory CounselingMortgage Loan Originator LicensingNational Bank Act Preemption: Credit CardsNational Bank Act Preemption: Mortgage LendingPrivacy and Opt-In RequirementsRisk-Based Pricing in Mortgage Lending SteeringStudent Credit Card Marketing Telemarketing Understanding Subprime Mortgage Lending IssuesUniform Commercial Code PrimerUnsoliciated Commercial E-mail: Spam Use of Payment Cards for Unlawful Internet TransactionsVacant Property Foreclosure Municipal Action 50% Myth White Papers White Papers 36% Rate CapAntitrust 101: A Primer on the Concepts (May 2006)Car Buyers' Bill of Rights (March 2006)Car Buyers' Bill of Rights Updated (May 2007)The Case for Installment LendingCredit Counseling (September 2004)Credit Report Security Freezes (April 2005)Credit Scoring - A Briefing for Policy Makers (November 2005)Credit Scoring and FACTA (June 2005)Do Not Mail (June 2007)Driver/Owner Vehicle Liability Shifting (April 2008) Financial Products and Services for the "Unbanked" (January 2005)Foreclosure Moratorium (August 2008) New!Forclosure Prevention (June 2007)Gift Cards and Stored Value Cards (April 2006)Gift Cards/Stored Value Cards Overview (August 2004)Identity Theft (November 2004)Identity Theft and Data Security Breach Legislation (September/October 2005)Industrial Loan Companies State Legislative Report (May 2006)Installment Lending (September 2007)Interchange Fees (Updated July 2008) New!Licensing (February 2006)Live Checks/Convenience Checks (March 2005)Mandatory Arbitration (July 2005)Military Lending Legislative Report (March 2007)Minimum Payment Requirements (May 2005)Mortgage Licensing (November 2006)Mortgage Licensing Legislative Report (May 2007)Mortgage Restrictions (October 2007)Non Traditional Products (February 2007)Outsourcing: Legislative Solutions Elusive in 2004 (July 2004)Payday Lending (May/June 2006)Predatory Lending Report (July 2006)Predatory Lending Updated (September 2006)Privacy (December 2004)Restrictions on Credit Card Marketing to Students and the Elderly (February 2005)RFID Legislative Report (April 2007)State Executive Task Forces on Foreclosures (March 2008) Spyware Special Report (August 2005)Telemarketing (October 2004)Universal Default Double Cycle Billing (July 2007)Year in Review for the 2008 Session (January 2008)Year in Review for the 2007 Session (January 2007)Year in Review for the 2006 Session (January 2006) Charts/50 State SurveysCSBS/AARMR Database ParticipationDealer Documentation FeesFile FreezeGAP 50 state survey (June 2008) New!Gift Limit, State Political Contribution & Lobby Report (May 2007)State Data Breach LawsMapsExpectations-Abusive Lending LegislationFile Freezing LegislationFile Freezing Enacted LawsGlobalization OutsourcingSecurity Breach Enacted LawsStored Value Gifts Cards 2006 Mortgage Lending Research StudiesCenter for Statistical Research Reports Analysis of the Center for Responsible Lending's Losing Ground Foreclosure StudyImpact on Massachusetts Subprime Borrowers & Proposed Subprime Lending ReformsN.C. Regulation of Subprime Mortgages - Debate over Social Benefits and CostsProjecting the Impact AB 75 will have on New Jersey BorrowersResidential Foreclosure Experience in OhioRisk and Price in Illinois and National Subprime MarketRisk and Price in Texas and National Subprime MarketSubprime Lending in ArizonaSubprime Lending in CaliforniaSubprime Lending in Los Angeles and CaliforniaSubprime Lending in MaineSubprime Lending in San Jose, CaliforniaSubprime Lending in TennesseeU.S. Mortgage Borrowing: Providing Americans with Opportunity, or Imposing Excessive Risk?Economic Studies and Consumer Research ReportsAEI-North Carolina's Anti-Predatory Lending Law: Still a Problem Despite New StudyAEI-Subprime, but not Half-BadEvaluating Predatory Lending Laws: Standard & Poor's Explains its ApproachImpact of the New Jersey Home Ownership Security Act of 2002OCC Working Paper - Economic Issues in Predatory LendingRegulation of Subprime Mortgage Products: Analysis of N.C Predatory Lending LawStandard & Poor's Anti-Predatory Lending Alert - Q&A on Revised Criteria Standard & Poor's Implements Credit Enhancement CriteriaStandard & Poor's Revises Criteria related to Anti-Predatory Lending Laws2008 Enacted Laws by Month ArbitrationCards IssuesCollections/GarnishmentsCorporate TaxesFile FreezingMilitary Relief/SCRAMortgage LendingPersonal LoanPrivacySecurity BreachTelemarketingVehicle Finance 2007 Enacted Laws 2006 Enacted Laws
SGA Resources
Talking Points
Talking PointsAPR Limits Automated Clearing House and Electronic PaymentsCredit Scoring 101: Existing RegulationsCredit Scoring BenefitsConsumer Protection LawsData Breach LegislationData Breach Legislation - FederalDealership Financing at a GlanceDebit CardsDoD Rate Cap for Payday LendingDriver/Owner Vehicle Liability Shifting FACT Act and Federal PreemptionFiduciary DutyFile Freeze LegislationFinancial Literacy EducationFinancial Literacy Education and Mortgage LendingForeclosuresGift & Stored Value CardsGlobalization/OutsourcingHome Mortgage Disclosure Act (HMDA)Installment vs. Payday LoansInterchange FeesMandatory Arbitration Mandatory CounselingMortgage Loan Originator LicensingNational Bank Act Preemption: Credit CardsNational Bank Act Preemption: Mortgage LendingPrivacy and Opt-In RequirementsRisk-Based Pricing in Mortgage Lending SteeringStudent Credit Card Marketing Telemarketing Understanding Subprime Mortgage Lending IssuesUniform Commercial Code PrimerUnsoliciated Commercial E-mail: Spam Use of Payment Cards for Unlawful Internet TransactionsVacant Property Foreclosure Municipal Action 50% Myth
White Papers
White Papers 36% Rate CapAntitrust 101: A Primer on the Concepts (May 2006)Car Buyers' Bill of Rights (March 2006)Car Buyers' Bill of Rights Updated (May 2007)The Case for Installment LendingCredit Counseling (September 2004)Credit Report Security Freezes (April 2005)Credit Scoring - A Briefing for Policy Makers (November 2005)Credit Scoring and FACTA (June 2005)Do Not Mail (June 2007)Driver/Owner Vehicle Liability Shifting (April 2008) Financial Products and Services for the "Unbanked" (January 2005)Foreclosure Moratorium (August 2008) New!Forclosure Prevention (June 2007)Gift Cards and Stored Value Cards (April 2006)Gift Cards/Stored Value Cards Overview (August 2004)Identity Theft (November 2004)Identity Theft and Data Security Breach Legislation (September/October 2005)Industrial Loan Companies State Legislative Report (May 2006)Installment Lending (September 2007)Interchange Fees (Updated July 2008) New!Licensing (February 2006)Live Checks/Convenience Checks (March 2005)Mandatory Arbitration (July 2005)Military Lending Legislative Report (March 2007)Minimum Payment Requirements (May 2005)Mortgage Licensing (November 2006)Mortgage Licensing Legislative Report (May 2007)Mortgage Restrictions (October 2007)Non Traditional Products (February 2007)Outsourcing: Legislative Solutions Elusive in 2004 (July 2004)Payday Lending (May/June 2006)Predatory Lending Report (July 2006)Predatory Lending Updated (September 2006)Privacy (December 2004)Restrictions on Credit Card Marketing to Students and the Elderly (February 2005)RFID Legislative Report (April 2007)State Executive Task Forces on Foreclosures (March 2008) Spyware Special Report (August 2005)Telemarketing (October 2004)Universal Default Double Cycle Billing (July 2007)Year in Review for the 2008 Session (January 2008)Year in Review for the 2007 Session (January 2007)Year in Review for the 2006 Session (January 2006)
Charts/50 State SurveysCSBS/AARMR Database ParticipationDealer Documentation FeesFile FreezeGAP 50 state survey (June 2008) New!Gift Limit, State Political Contribution & Lobby Report (May 2007)State Data Breach LawsMapsExpectations-Abusive Lending LegislationFile Freezing LegislationFile Freezing Enacted LawsGlobalization OutsourcingSecurity Breach Enacted LawsStored Value Gifts Cards 2006 Mortgage Lending Research StudiesCenter for Statistical Research Reports Analysis of the Center for Responsible Lending's Losing Ground Foreclosure StudyImpact on Massachusetts Subprime Borrowers & Proposed Subprime Lending ReformsN.C. Regulation of Subprime Mortgages - Debate over Social Benefits and CostsProjecting the Impact AB 75 will have on New Jersey BorrowersResidential Foreclosure Experience in OhioRisk and Price in Illinois and National Subprime MarketRisk and Price in Texas and National Subprime MarketSubprime Lending in ArizonaSubprime Lending in CaliforniaSubprime Lending in Los Angeles and CaliforniaSubprime Lending in MaineSubprime Lending in San Jose, CaliforniaSubprime Lending in TennesseeU.S. Mortgage Borrowing: Providing Americans with Opportunity, or Imposing Excessive Risk?Economic Studies and Consumer Research ReportsAEI-North Carolina's Anti-Predatory Lending Law: Still a Problem Despite New StudyAEI-Subprime, but not Half-BadEvaluating Predatory Lending Laws: Standard & Poor's Explains its ApproachImpact of the New Jersey Home Ownership Security Act of 2002OCC Working Paper - Economic Issues in Predatory LendingRegulation of Subprime Mortgage Products: Analysis of N.C Predatory Lending LawStandard & Poor's Anti-Predatory Lending Alert - Q&A on Revised Criteria Standard & Poor's Implements Credit Enhancement CriteriaStandard & Poor's Revises Criteria related to Anti-Predatory Lending Laws2008 Enacted Laws by Month ArbitrationCards IssuesCollections/GarnishmentsCorporate TaxesFile FreezingMilitary Relief/SCRAMortgage LendingPersonal LoanPrivacySecurity BreachTelemarketingVehicle Finance
2007 Enacted Laws 2006 Enacted Laws