Consumer Crossroads: Where Financial Services and Litigation Intersect

Ohio’s Supreme Court has ruled that the savings statute allows unlimited refilings—read our blog post to learn what it means for defendants.

Explore key takeaways from the 2026 ACVL Conference on the legal and regulatory issues shaping motor vehicle lease repossession and broader compliance themes impacting the auto finance industry.

Read our analysis of the OCC's final debanking report and the CFPB's follow-on investigation, and learn what banks should expect next.

Stay ahead of a growing circuit split with our latest analysis of a recent Ninth Circuit ruling treating text messages as “calls” under the TCPA—reaching the opposite conclusion of a Seventh Circuit decision.

Read our analysis of California AB 2116’s key commercial financing requirements, unresolved issues, and compliance steps ahead of the 2028 deadlines.

Read our new blog post on the Illinois Supreme Court’s Watkin decision confirming mortgage liens survive foreclosure limitations.

With another federal court ruling that the Telephone Consumer Protection Act’s (TCPA) ban on unwanted telephone calls does not apply to text messages, read how a Supreme Court intervention may be needed sooner than later.

Read how a recent $4 million settlement case serves as a reminder that state and federal regulators remain focused on price transparency and consumer protection in auto finance.

The Ninth Circuit found Roblox waived arbitration by litigating first—learn why this matters for your business and how to avoid the same outcome.

Read about two significant wins for Illinois mortgage lenders that provide critical certainty for lenders enforcing HELOCs and long-pending foreclosure actions in Illinois.

Ten state attorneys general are challenging the OCC’s mortgage escrow and preemption rules, raising significant questions about federal banking authority and state consumer protection laws. Read our full analysis to understand the potential implications for lenders, regulators, and the consumer financial services industry.

Learn how banks would be impacted by the proposed first major update to Regulation O in nearly 50 years—significantly raising dollar thresholds for insider lending and modernizing outdated leadership definitions.

Learn about the Seventh Circuit’s significant ruling holding that text messages are not considered “calls” under the Telephone Consumer Protection Act (TCPA).

Learn how Illinois mortgage lenders are impacted by three recent enforcement developments in the state that could reshape how and when you can enforce notes and mortgages.

Learn key takeaways from a recent district court ruling that clarified the distinction between clickwrap and browsewrap agreements, finding that one, but not the other, manifested an intent to arbitrate disputes. 

The OCC's final escrow-interest preemption rules and the Second Circuit's Cantero decision together mark a turning point for federal preemption of state mortgage escrow laws—read our analysis to learn what this means for banks and servicers.

Read key takeaways from the Hinshaw-sponsored 2026 Mortgage Bankers Association Legal Issues and Regulatory Compliance Conference, where our attorneys were on site, presenting and engaging with industry leaders.

The US Supreme Court has issued its ruling in a case that considered whether a federal court that had sent a dispute to arbitration retains jurisdiction to vacate or confirm a subsequent arbitration award.

Read how Tennessee has reached the first settlement in the multistate attorney general action against Mariner Finance, imposing conduct requirements on add-on product sales and lending.

Read how the Second Circuit ruled that New York's interest-on-escrow statute is preempted by the National Bank Act, renewing a circuit split and adding uncertainty to federal preemption of state interest-on-escrow laws.