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
INSIGHTS

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

March 01, 2015

Don’t Fence Me In

Thomas B. Hudson

Partner Emeritus

December 01, 2015

Congressional Staff Report Reveals Sad Inner Workings of CFPB Fair Lending Attack on Dealer Compensation

L. Jean Noonan

Partner

April 01, 2015

Spacemen Abduct Regulators!

Thomas B. Hudson

Partner Emeritus

December 15, 2015

Can California Lenders Pay Referral Fees to Unlicensed Brokers?

Robert A. Cook

Partner Emeritus

May 01, 2015

Seismic Shift

Nicole F. Munro

Partner

January 01, 2016

Looking Ahead

Eric L. Johnson

Partner

September 01, 2015

Lots of Pages, But a Single Document

January 28, 2016

Asset Purchase or Consumer Loan: One State High Court Weighs In

Catherine M. "Cathy" Brennan

Partner

December 01, 2015

Here Come the “Readability” Police

Nicole F. Munro

Partner

February 17, 2016

The Commonwealth Decision

Catherine M. "Cathy" Brennan

Partner