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Home > State Government Affairs > Comment Letters and Testimony
 
Comment Letters & Testimony

AFSA's State Government Affairs department regularly submits comment letters on state bills and state agencies' regulations that affect consumer credit. Periodically, SGA comments on federal rules that could directly affect the states. Members have the opportunity to provide input on AFSA's comment letters before they are finalized.

Occasionally, AFSA testifies at financial services hearings held in the states.

New York revised proposed debt collection regulations - August 2014

Delaware revised sales finance company operation & minimum records regulations
- July 2014

New York consumer credit collection case proposed court rules
- May 2014

Massachusetts S. 2141 (automated license plate reader systems) - May 2014

Rhode Island HB 7461 (automated license plate reader systems) - March 2014

Rhode Island SB 2614 (automated license plate reader systems) - March 2014

New York A. 3649 (vehicle lienholder notification)
- March 2014

Florida SB 832 & HB 783 (vehicle financing with third-party products)
- February 2014

New Mexico SJR 20 & HJR 10 (36 percent rate cap)
- February 2014

Maryland HB 289 (automatic license plate recognition systems)
- February 2014

Kansas SB 282 (access to installment loans) - January 2014

New York revised rule (lien release without involvement of lienholder) - December 2013

Massachusetts S. 1648 & H. 3068 (automatic license plate recognition systems)
- November 2013

New York proposed debt collection regulation - October 2013

New York draft revised regulation implementing AB 1346-C (lien release without involvement of lienholder)
- September 2013

Massachusetts financial services regulation review
- August 2013

New York proposed rule implementing AB 1346-C (lien release without involvement of lienholder) - August 2013

Testimony opposing inclusion of CA AB 278 (2012) (Homeowner's Bill of Rights) in CSG 2014 Suggested State Legislation volume - June 2013

NMLS Uniform Licensing Forms and Mortgage Call Report - June 2013

Utah Interim Committee (credit score disclosure requirements)
- June 2013

New York S. 4475 (lender-placed insurance) - May 2013

Nevada AB 187 amendment support (deployment of starter-interrupt devices)
- May 2013 

California AB 1220 (consumer credit reporting disclosure requirements) Appropriations, Assembly Member Skinner - May 2013

Nevada AB 309 (electronic lien and title system fee structure) - May 2013

North Carolina SB 407 (electronic lien and title system implementation) - May 2013

Texas Consumer Bill of Rights for Credit Life, Credit Disability, and Involuntary Unemployment Insurance proposed rule amendments - May 2013

New York A. 1346-C implementation (lien release without involvement of lienholder) - April 2013

Florida HB 1307 & SB 1354 (financing of third-party ancillary products) - March 2013

Utah HB 158 (credit score disclosure requirements)
- March 2013

New Mexico proposed rule on the misrepresentation of age and condition of a motor vehicle in a sales transaction - March 2013

New York A.3649 (vehicle lienholder notification)
- February 2013

New Hampshire HB 339-FN (regulating third-party collectors) - February 2013

Washington Mortgage Servicing Rules Changes (requiring electronic borrower portal) - February 2013

Georgia HB 386 & HB 80 (levying of ad valorem tax for motor vehicles) GovernorSenate Members - February 2013

Texas Consumer Bill of Rights for Credit Life, Credit Disability, and Involuntary Unemployment Insurance proposed rule amendments - February 2013

Georgia HB 80 (correction of tax disparity between leased and purchased vehicles) Speaker Ralston, Majority Leader O'Neal, Chairman Meadows - February 2013

Montana HB 63 (retail installment sales contracts) - January 2013

Massachusetts proposed debt collector and third party loan servicer conduct rule amendments
 - December 2012

Georgia HB 386 (levying of ad valorem tax for motor vehicles)
- November 2012

North Dakota proposed rule amendments relating to collection agencies
- November 2012

New York SB 7856 (vehicle driver/owner liability shifting)
- October 2012

New York SB 7854 (vehicle driver/owner liability shifting)
- October 2012

Texas proposed rule precluding integration clauses in motor vehicle retail installment contracts
- July 2012

New York A. 1346-C (lien release without involvement of lienholder)
- July 2012

Massachusetts HB 3317 (vehicle driver/owner liability shifting)
- July 2012

Massachusetts HB 1799 (vehicle driver/owner liability shifting)
- July 2012

Delaware HB 330 (vehicle driver/owner liability shifting) - June 2012

New Mexico revised rule on negotiating a sale in a language other than English - June 2012

North Carolina HB 145 (vehicle driver/owner liability shifting) - June 2012

Rhode Island SB 2386 & HB 7693 (credit reporting) - June 2012

Massachusetts debt collection regulations suggested interpretive guidance
- June 2012

District of Columbia B19-244 (vehicle driver/owner liability shifting)
- May 2012

Nevada e-contracting for retail installment sales contracts follow up clarification - May 2012

Alabama HB 446 (vehicle driver/owner liability shifting)
- April 2012

California AB 1980 (advertising disclosures & financial facts label) - April 2012

Nevada e-contracting for retail installment sales contracts - April 2012

California SB 956 (buy-here-pay-here automobile sellers & lenders)
- March 2012

Massachusetts revised debt collection regulations
- March 2012

Massachusetts SB 2024 (vehicle driver/owner liability shifting) - February 2012

Massachusetts SB 1778 (vehicle driver/owner liability shifting) - February 2012

Florida SB 1660 & HB 1501 (precluding integration or merger clauses in motor vehicle retail installment contracts)
- January 2012

Massachusetts HB 2914 (vehicle driver/owner liability shifting)
- November 2011

Carroll County, Georgia (maintenance of vacant & foreclosing residential property) - November 2011

Massachusetts HB 917 (vehicle driver/owner liability shifting)
- October 2011

Georgia HB 254 (vehicle driver/owner liability shifting)
- October 2011

Clark County, Nevada (registration of abandoned residential property) - October 2011

NMLSR Reporting of State Regulatory Actions
- September 2011 

New Jersey AB 4191 (vehicle driver/owner liability shifting)
- September 2011

New York A.134 (vehicle driver/owner liability shifting)
- August 2011

Connecticut SB 706 (vehicle driver/owner liability shifting)
- August 2011

Pennsylvania SB 595 (vehicle driver/owner liability shifting)
- July 2011

Massachusetts HB 1293 (vehicle driver/owner liability shifting)
- July 2011

New Jersey AB 1061 (vehicle driver/owner liability shifting)
- July 2011

California SB 29 (vehicle driver/owner liability shifting)
- March 2011

Maryland HB 738 (free credit report and credit scores - prohibited practices)
- March 2011

New York A.2094 & S.3302 (vehicle lien holder notification)
- March 2011

California Dept. of Insurance potential interpretation of AB 2782 (GAP)
 - January 2011

Rhode Island Surety Bond and min. Net Worth for MLOs - November 2010

NMLSR Registration of Federally Regulated Mortgage Loan Originators Fees
- November 2010

Pennsylvania HB 2498 (vehicle driver/owner liability shifting)
- November 2010

New York A.6145 (vehicle driver/owner liability shifting) - October 2010

New York A.6021 (vehicle driver/owner liability shifting) - October 2010

Illinois SB 2979 (vehicle driver/owner liability shifting)
- October 2010

New Jersey AB 2615 (safety-recall repairs imposed on vehicle leasing co.)
 - June 2010

New York A.10863 & S.7831 (vehicle lien holder notification)
- June 2010

Puerto Rico PC 1363 (credit reporting agencies) - June 2010

CSBS NMLS Mortgage Call Report - May 2010

Vermont SB 138 veto letter (interchange) - May 2010

Rhode Island HB 7755 (vehicle driver/owner liability shifting) - April 2010

Colorado SB 16 (vehicle driver/owner liability shifting) - February 2010

Illinois HB 930 (vehicle driver/owner liability shifting) - February 2010

Hawaii HB 9 (vehicle driver/owner liability shifting) - February 2010

HUD Proposed SAFE Act Rules - February 2010

Texas Debt Cancellation re-proposed rules - February 2010

North Carolina SAFE Act Proposed Regulation - January 2010

Massachusetts HB 3240 & HB 3640 (vehicle driver/owner liability shifting) - November 2009

Texas Debt Cancellation proposed rules - November 2009

Testimony during CSG's Annual Meeting (Suggested State Legislation Committee) against model auto franchising legislation with captive effects - November 2009

New York MLO license application - October 2009

CSBS NMLS Background Check Processing - October 2009

Federal Agencies Proposed SAFE Act Rule - September 2009

 
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