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SGA Resources
Talking Points

The State Government Affairs Department regularly prepares one-page talking points on top issues affecting the financial services industry. Each set of talking points is developed through one of the State Government Affairs Subcommittees on Cards, Mortgage Lending, Personal Loans, or Vehicle Finance. These may be used by members to brief policymakers, for internal corporate communication, or however members see fit.

Talking Points
APR Limits
Auto Franchising New!
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
Debt-Settlement Companies  New!
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
Foreclosure - Industry Initiatives to Manage Foreclosure
Foreclosures
Foreclosure Moratorium
Gift & Stored Value Cards
Globalization/Outsourcing
Home Mortgage Disclosure Act (HMDA)
Installment vs. Payday Loans
Interchange Fees
Mandatory Arbitration
Mandatory Counseling
Mandatory Foreclosure Mediation 
Mortgage Loan Originator Licensing
Mortgage Loan Originators and NMLSR 
National Bank Act Preemption: Credit Cards (Updated September 2009) 
National Bank Act Preemption: Mortgage Lending
New York: Multiple Inquiries in Credit Scoring
Payday Lending Database 
Precomputed Loan
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 Upkeep
50% Myth 

SGA White Papers

The State Government Affairs Department develops white papers on a monthly basis. Each white paper is an in-depth analysis of a particular issue, dealing with all legislation introduced on the topic at the state level. Each is a snapshot in time of the history of the issue and current legislation on the matter.

White Papers
36 Percent Rate Cap Legislation (August 2009)
Ancillary Products (February 2010)
Antitrust 101: A Primer on the Concepts (May 2006)
Appraisal Management Companies (May 2010)
Auto Dealer Insolvency (May 2009)
Car Buyers' Bill of Rights Updated (November 2008)
Case for Installment Lending (updated September 2009)
Consumer Protection Act (August 2010) New!
Credit CARD Act, Regulation AA, and Regulation Z (Updated September2009)
Credit Checks for Job Applicants (June 2010)
Credit Counseling and the Uniform Debt Management Services Act (July 2009)
Foreclosure Moratorium (August 2008)
Foreclosure Prevention & Mortgage Loan Modification (June 2009)
Interchange Fees (July 2008)
Live Checks/Convenience Checks (September 2008)
Payday Lending Databases (November 2009)
Privacy (October 2008)
Real ID Act (March 2009)
SAFE Act (February 2009)
SAFE Act Legislative and Regulatory Update (December 2009)
Security Breach and Identity Theft (July 2010)
Small Loan Interest Rate Cap (May 2008)
State Executive Task Forces on Foreclosures (March 2008)
Suitability and Continuum (March 2010)
Vacant Property Upkeep (December 2008)
Vehicle Driver/OwnerLiability Shifting (December 2009)
Vehicle Franchise Legislation with Captive Finance Provisions (April 2010)  
Year in Review/Preview for the 2010 Session (January 2010)
Year in Review/Preview for the 2009 Session (January 2009)
Year in Review/Preview for the 2008 Session (January 2008)


Archived (old) White Papers