State Enforcement and Regulatory Defense

Since its founding, Hudson Cook has helped clients deal with the myriad state agencies that regulate consumer finance companies. Hudson Cook’s State Enforcement Practice builds on and leverages the deep knowledge of the Firm’s nationwide state law compliance practice. With our decades of experience interpreting and advising on state consumer credit laws and regulations as outside and in-house counsel in the consumer financial services industry, we are uniquely positioned to handle—efficiently and effectively—state AG investigations and other state regulatory investigations, examinations, and inquiries.

We have defended clients in everything from complex, multi-state AG investigations and joint state-federal investigations, to individual inquiries from state regulators during an examination or licensing renewal application. Our deep subject-matter knowledge and regulator relationships allow us to deploy the appropriate representation for the circumstance, whether it calls for zealous advocacy or creative solutions to concerns raised by a particular regulator.

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Attorneys Practicing in this Area
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Representative State Regulatory Experience

We have assisted clients before state attorneys general across the country, including in complex multi-state matters, as well as in matters with many state credit regulators. Recent matters include:

  • California Department of Financial Protection and Innovation
  • Connecticut Department of Banking
  • Florida Office of Financial Regulation
  • Idaho Department of Finance
  • Illinois Department of Financial and Professional Regulation
  • Kansas Office of the State Bank Commissioner
  • Massachusetts Commissioner of Banks
  • Maryland Office of Financial Regulation
  • Michigan Department of Insurance and Financial Services
  • Missouri Division of Finance
  • New Hampshire Banking Department
  • New York Department of Financial Services (NY DFS)
  • Oklahoma Department of Consumer Credit
  • South Dakota Division of Banking
  • Virginia Bureau of Financial Institutions
  • Washington Department of Financial Institutions

Attorneys Practicing in this Area

July 31, 2026

Minnesota Rejects “Not Collecting for Another” Argument

Clayton C. Swears

Partner

July 21, 2026

The Weekly Sweep: Northeast Regulators Focus on Enforcement, Emerging Financial Products, and Consumer Protection

Thomas P. Quinn, Jr.

Partner

June 30, 2026

Former CFPB Director Chopra’s New Role—”California Will Be Firing on All Cylinders”

Eric L. Johnson

Partner

June 30, 2026

Analysis of New York City Debt Collection Regulation: Part 2 (Challenges for Third Party Collectors)

Anastasia V. Caton

Partner

June 23, 2026

Weekly Sweep – Week of June 15, 2026: Debt Collection Enforcement, Auto Finance Advertising, and Algorithmic Pricing Under Scrutiny

Thomas P. Quinn, Jr.

Partner

June 22, 2026

Trojan’s Horse? Federal Regulatory Relief Gifted to Alternative Financial Service Providers in 2025

Justin B. Hosie

Partner

June 08, 2026

THE WEEKLY SWEEP – NORTHEAST FINANCIAL SERVICES REGULATOR ACTIVITY

Thomas P. Quinn, Jr.

Partner

June 02, 2026

THE WEEKLY SWEEP – NORTHEAST FINANCIAL SERVICES REGULATOR ACTIVITY

Thomas P. Quinn, Jr.

Partner

May 04, 2026

THE WEEKLY SWEEP – NORTHEAST FINANCIAL SERVICES REGULATOR ACTIVITY

Thomas P. Quinn, Jr.

Partner

April 22, 2026

State Watch: Consumer Protection Enforcement Update

Anastasia V. Caton

Partner