SGA Resources

Talking Points

Talking Points
APR Limits
Automated Clearing House and Electronic Payments
Credit Scoring 101: Existing Regulations
Credit Scoring Benefits
Consumer Protection Laws
Data Breach Legislation
Data Breach Legislation - Federal
Dealership Financing at a Glance
Debit Cards
DoD Rate Cap for Payday Lending
Driver/Owner Vehicle Liability Shifting 
FACT Act and Federal Preemption
Fiduciary Duty
File Freeze Legislation
Financial Literacy Education
Financial Literacy Education and Mortgage Lending
Foreclosures
Gift & Stored Value Cards
Globalization/Outsourcing
Home Mortgage Disclosure Act (HMDA)
Installment vs. Payday Loans
Interchange Fees
Mandatory Arbitration
Mandatory Counseling
Mortgage Loan Originator Licensing
National Bank Act Preemption: Credit Cards
National Bank Act Preemption: Mortgage Lending
Privacy and Opt-In Requirements
Risk-Based Pricing in Mortgage Lending
Steering
Student Credit Card Marketing
Telemarketing
Understanding Subprime Mortgage Lending Issues
Uniform Commercial Code Primer
Unsoliciated Commercial E-mail: Spam
Use of Payment Cards for Unlawful Internet Transactions
Vacant Property Foreclosure Municipal Action 
50% Myth

White Papers

White Papers 
36% Rate Cap
Antitrust 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 Lending
Credit 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 Surveys

CSBS/AARMR Database Participation
Dealer Documentation Fees
File Freeze
GAP 50 state survey (June 2008)   New!
Gift Limit, State Political Contribution & Lobby Report (May 2007)
State Data Breach Laws

Maps

Expectations-Abusive Lending Legislation
File Freezing Legislation
File Freezing Enacted Laws
Globalization Outsourcing
Security Breach Enacted Laws
Stored Value Gifts Cards 2006

Mortgage Lending Research Studies

Center for Statistical Research Reports
Analysis of the Center for Responsible Lending's Losing Ground Foreclosure Study
Impact on Massachusetts Subprime Borrowers & Proposed Subprime Lending Reforms
N.C. Regulation of Subprime Mortgages - Debate over Social Benefits and Costs
Projecting the Impact AB 75 will have on New Jersey Borrowers
Residential Foreclosure Experience in Ohio
Risk and Price in Illinois and National Subprime Market
Risk and Price in Texas and National Subprime Market
Subprime Lending in Arizona
Subprime Lending in California
Subprime Lending in Los Angeles and California
Subprime Lending in Maine
Subprime Lending in San Jose, California
Subprime Lending in Tennessee
U.S. Mortgage Borrowing: Providing Americans with Opportunity, or Imposing Excessive Risk?
Economic Studies and Consumer Research Reports
AEI-North Carolina's Anti-Predatory Lending Law: Still a Problem Despite New Study
AEI-Subprime, but not Half-Bad
Evaluating Predatory Lending Laws: Standard & Poor's Explains its Approach
Impact of the New Jersey Home Ownership Security Act of 2002
OCC Working Paper - Economic Issues in Predatory Lending
Regulation of Subprime Mortgage Products: Analysis of N.C Predatory Lending Law
Standard & Poor's Anti-Predatory Lending Alert - Q&A on Revised Criteria 
Standard & Poor's Implements Credit Enhancement Criteria
Standard & Poor's Revises Criteria related to Anti-Predatory Lending Laws

2008 Enacted Laws  by Month

Arbitration
Cards Issues
Collections/Garnishments
Corporate Taxes
File Freezing
Military Relief/SCRA
Mortgage Lending
Personal Loan
Privacy
Security Breach
Telemarketing
Vehicle Finance

2007 Enacted Laws 

2006 Enacted Laws