Practice Focus

Business Funding
Credit Reporting, Privacy and Data Security
Litigation
November 26, 2025

DOJ Settles with Auto Finance Company Accused of Illegally Repossessing Servicemembers’ Vehicles

Eric D. Mulligan
September 30, 2025

Nebraska AG Sues Major Auto Manufacturer over Alleged Unauthorized Data Sharing

Eric D. Mulligan
September 29, 2025

California Privacy Protection Agency Heralds a “New Era of Privacy Enforcement”

Julia K. Whitelock + more
July 31, 2025

Creditors’ Rights and the Constitution: A Difficult (But Not Impossible) Connection to Make

Eric D. Mulligan
July 31, 2025

When Does a Consumer’s Permission to Make Credit Inquiries Expire?

Eric D. Mulligan
June 30, 2025

Texas Governor Signs H.B. 700; New York Legislature Passes FAIR Business Practices Act

Eric D. Mulligan
June 30, 2025

Not All Third Parties Are Created Equal

Eric D. Mulligan
April 30, 2025

No Harm, No Foul: Statutory Violations and Consumer Harm

Eric D. Mulligan
February 28, 2025

New York Courts Appear Skeptical of Certain Fees in Sales-Based Financing Transactions

Eric D. Mulligan
January 31, 2025

No Paper Necessary: Vehicle Titles in the Age of the Internet

Eric D. Mulligan
January 31, 2025

Yellowstone Capital Settles Lawsuit with New York Attorney General

Eric D. Mulligan
November 27, 2024

Federal Trade Commission Sues Business Financing Company for Allegedly Misleading Consumers

Eric D. Mulligan
August 29, 2024

Bill Under Consideration in California Would Apply Collections Law to Commercial Financing Providers

Eric D. Mulligan
April 30, 2024

New Kansas Law Will Require Disclosures for Commercial Financing Transactions

Eric D. Mulligan
December 29, 2023

Continuing Saga of CFPB 1071 Small Business Data Reporting Rule

Eric D. Mulligan
October 02, 2023

New York Department of Financial Services Reminds Auto Finance Companies to Credit Consumers for Ancillary Product Refunds

Eric D. Mulligan
August 31, 2023

Online Chat Features and California’s Two-Party Consent Rule for Recording Conversations

Eric D. Mulligan
August 31, 2023

California DFPI Issues Final Rules on Commercial Financing UDAAP and Annual APR Reporting

Katherine C. Fisher + more
June 30, 2023

Online Chat Features and California’s Two-Party Consent Rule for Recording Conversations

Eric D. Mulligan
March 30, 2023

California Senator Introduces Bill to Make Commercial Brokers Fiduciaries of Borrowers

Eric D. Mulligan
February 28, 2023

New Jersey Reaches Consent Order with Yellowstone Capital Regarding MCA Agreements

Katherine C. Fisher + more
January 31, 2023

Time Is of the Essence: Hidden Time Limits in Statutory Requirements

Eric D. Mulligan
March 31, 2022

Utah Enacts Commercial Financing Disclosure Law

Katherine C. Fisher + more
July 01, 2021

How to Catch Disclosure Errors Through Numbers

Eric D. Mulligan
September 30, 2020

New Features in the CFPB Consumer Complaint Database

Eric D. Mulligan
May 31, 2019

Regulation of Student Loan Servicers: What’s Out There, and What’s Coming

Eric D. Mulligan + more
April 30, 2019

Don’t Assume What a Court Will Assume About Your Contract

Eric D. Mulligan
February 28, 2019

Do You Think You Understand a Statute of Limitations? Think Again!

Eric D. Mulligan
November 30, 2018

Periodic Rate Re-Evaluations for Credit Card Accounts: Making a List, Checking It Twice (Every Year)

Eric D. Mulligan
November 30, 2018

What Makes a Contract?

Eric D. Mulligan
October 01, 2018

A New Wrinkle in Collection of Time-Barred Debts in California

Eric D. Mulligan
April 03, 2018

How Do You Find Potential Customers? The Answer Matters More than You Think

Eric D. Mulligan
July 24, 2017

California Supreme Court Rules Waivers of Right to Seek “Public Injunctive Relief” Unenforceable

Eric D. Mulligan
May 31, 2017

New Utah Consumer Credit Laws Take Effect

Eric D. Mulligan
April 28, 2017

New Cybersecurity Requirements Take Effect in New York

Eric D. Mulligan

Education

  • New York University School of Law, J.D., 2011
  • Associate Editor, New York University Moot Court Casebook, 2010-11
  • Swarthmore College, B.A. in Biology, 2008

Admissions

  • Maryland, 2016
  • District of Columbia, 2012
  • New York, 2012
Professional Affiliations & Certifications
  • Member, New York State Bar Association
Speaking Engagements
  • “Wiretapping on the Web: Applying State Privacy Laws to Session Replay and Chatbot Technology,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, November 2024
  • “Anti-Wiretapping Laws, Session Replay, and Recording of Online Chats,” Hudson Cook Compliance Coffee Break, June 2024
  • “Interest and APR Calculations,” Hudson Cook Webinar, May 2019
  • “Top 10 Tips for Data Governance: Managing Risk by Managing your Data Assets,” Consumer Financial Services Conference, Hudson Cook/CounselorLibrary, April 2019
Publications
  • “No Paper Necessary: Vehicle Titles in the Age of the Internet,” Spot Delivery, December 2024
  • “Words Matter: Everything Counts in a Contract, Even the Boring Parts,” Spot Delivery, June 2024
  • “CFPB’s Supervisory Highlights Cite Auto Loan Furnishers for Allegedly Deficient Credit Reporting Practices,” Spot Delivery, May 2024
  • “Online Chat Features and California’s Two-Party Consent Rule for Recording Conversations,” Spot Delivery, August 2023
  • “New Washington Health Data Privacy Law Will Encompass More than Health Care Data,” Spot Delivery, June 2023, co-authored with Webb McArthur
  • “Utah Enacts Commercial Financing Disclosure Law,” Hudson Cook Insights, March 2022, co-authored with Katherine C. Fisher
  • “How to Catch Disclosure Errors Through Numbers,” SubPrime Auto Finance News, July 2021
  • “New Features in the CFPB Consumer Complaint Database,” Hudson Cook Insights, September 2020
  • “Regulation of Student Loan Servicers: What’s Out There, and What’s Coming,” Hudson Cook Insights, May 2019, co-authored with Ryan S. Stinneford and Thomas P. Quinn
  • “Don’t Assume What a Court Will Assume About Your Contract,” Hudson Cook Insights, April 2019
  • “Do You Think You Understand a Statute of Limitations? Think Again!” Hudson Cook Insights, February 2019
  • “What Makes a Contract?” Hudson Cook Insights, November 2018
  • “Periodic Rate Re-Evaluations for Credit Card Accounts: Making a List, Checking It Twice (Every Year),” Hudson Cook Insights, November 2018
  • “A New Wrinkle in Collection of Time-Barred Debts in California,” Hudson Cook Insights, October 2018
  • “How Do You Find Potential Customers? The Answer Matters More than You Think,” Hudson Cook Insights, April 2018
  • “California Supreme Court Rules Waivers of Right to Seek ‘Public Injunctive Relief’ Unenforceable,” Hudson Cook Insights, July 2017
  • “New Utah Consumer Credit Laws Take Effect,” Hudson Cook Insights, May 2017
  • “New Cybersecurity Requirements Take Effect in New York,” Hudson Cook Insights, April 2017