Hinshaw & Culbertson LLP is pleased to announce that 80 of its lawyers have been recognized by their peers for inclusion in the 2027 edition of The Best Lawyers in America®.

Hinshaw & Culbertson LLP is pleased to announce that the BTI Consulting Group has recognized partner Lauren Campisi as a 2026 BTI Client Service All-Star.

Hinshaw & Culbertson LLP is excited to announce that Brian McGrath, partner and co-chair of the firm’s Consumer Financial Services group, has been selected by Crain’s New York Business as a 2026 Notable Leader in Accounting, Consulting & Law.

Read David Schultz’s ARM Compliance Digest column discussing a judge’s humorous—but important—ruling invoking a 154-year-old precedent to deny default judgment in an FDCPA case.

Read two Hinshaw-authored articles—“Fair Access and Debanking: Recent Developments and Unanswered Questions” and “State Survey of Coerced Debt Laws”—in the latest issue of the CCFL Quarterly Report.

Read about the significance of the CFPB’s now-vacated rule that would have slashed late fees from $30 to $8 for large credit card issuers.

Hinshaw partners Justin Penn and James (Jim) Sandy will present on a panel at the American Bar Association’s (ABA) Business Law Fall Meeting 2026 on September 4, 2026.

Hinshaw attorneys Alyssa Szymczyk and Leslie Meredith will present at the 2026 Spring Conference on Consumer Finance Law (CCFL), taking place May 28 and 29 at Loyola University Chicago School of Law.

Hinshaw proudly serves as a Diamond Sponsor of the Mortgage Bankers Association’s Legal Issues and Regulatory Compliance Conference in Miami from May 4 to 7, 2026.

John Ryan discusses AI voice bots in collections, highlighting compliance requirements, legal risks, and regulatory considerations for AI-driven consumer calls.

Hinshaw partner Akeela White will present during the Accounts Recovery webinar, “Breaking Down the Most Common FCRA Disputes You're Seeing Right Now — and What to Do With Them,” on June 5 at 12:00 PM CST.

Hinshaw partner Vaishali Rao will present at the Receivables Management Association International (RMAI) webinar, “State Oversight in an Era of Federal Deregulation,” on April 28 from 9:00 to 10:00 am PDT.

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.

Understand essential compliance requirements and steps for your business to prepare for the 2025 New York State Department of Financial Services (NYDFS) cybersecurity regulations.

With cybersecurity legislation and regulation sweeping the country in response to a series of high-profile hacking and ransomware attacks, it was little surprise that cybersecurity was a topic at the recently concluded Mortgage Bankers Association's Conference on Legal Issues and Regulatory Compliance. A major takeaway at the conference was that lenders and servicers with consumer-facing platforms that collect personal information should review their cybersecurity policies immediately. Simply waiting for an agency inquiry, investigation, or a breach could result in dire financial and reputational consequences.

Read part one, "A Bronx Tale: A New York State Trial Judge Calls Out New York State's Long-Standing Heightened Standard of Proving the Making of an Agreement to Arbitrate," about the trial court's decision in Wu v. Uber Tech., Inc.

A unanimous United States Supreme Court (SCOTUS) on April 1, 2021, resolved more than a decade of Telephone Consumer Protection Act (TCPA) litigation and untold millions of dollars in claims by disentangling the contorted definition of automatic telephone dialing system (ATDS), or autodialer. Courts have struggled to uniformly define this equipment, creating a Circuit split. One side holding an incredibly broad range of equipment could be deemed an autodialer by including within the definition equipment capable of storing telephone numbers to be called whether or not the equipment used a random or sequential number generator. The other holding that a much narrower class of equipment should fall within the definition, requiring the equipment to either store or produce telephone numbers using a random or sequential number generator. SCOTUS favored the latter, narrower interpretation.

On November 6, 2019, the Consumer Financial Protection Bureau (Bureau) hosted the third installment of its symposia series, addressing Dodd-Frank Section 1701 which, when implemented, will require financial institutions to collect, report, and make public certain information concerning credit applications made by women-owned, minority-owned, and small businesses. At the event, two panels discussed this data collection rule, including experts from traditional and fintech lenders, academic and policy researchers, advocacy groups, and regulators.

The New York State Department of Financial Services (DFS) recently issued Insurance Circular Letter No. 5 outlining its expectation that NY-regulated insurers make the diversity of their leadership a business priority and a key element of their corporate governance. Questions related to diversity-related efforts will be integrated into DFS’ insurer examination process starting in 2022.

The New York State Department of Financial Services (DFS) has issued guidance imposing rigorous cyber risk measurement and management practices on NY-regulated property/casualty insurers that write cyber insurance. The guidance also recommends against insurers making ransomware payments, noting recent FBI warnings and OFAC guidance that insurers can be held liable for ransomware payments to sanctioned entities. The framework also provides that cyber insurance policies should include requirements that victims notify law enforcement in the event of an attack.

Welcome to Consumer Law Hinsights―a monthly compilation of nationwide consumer protection cases of interest to financial services and accounts receivable management companies. This edition highlights our interactive COVID-19 regulatory map and also includes an analysis from our blog, Consumer Crossroads, of the Second Circuit's decision in LaBoom and the deepening circuit split over what constitutes an automatic telephone dialing system (ATDS) under TCPA.