Practice Focus

Business Funding

Credit Reporting, Privacy and Data Security

Litigation

INSIGHTS

November 26, 2025

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

Eric D. Mulligan

Eric D. Mulligan

September 30, 2025

Nebraska AG Sues Major Auto Manufacturer over Alleged Unauthorized Data Sharing

Eric D. Mulligan

Eric D. Mulligan

September 29, 2025

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

Julia K. Whitelock
Eric D. Mulligan

Julia K. Whitelock + 1 more

July 31, 2025

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

Eric D. Mulligan

Eric D. Mulligan

July 31, 2025

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

Eric D. Mulligan

Eric D. Mulligan

June 30, 2025

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

Eric D. Mulligan

Eric D. Mulligan

June 30, 2025

Not All Third Parties Are Created Equal

Eric D. Mulligan

Eric D. Mulligan

April 30, 2025

No Harm, No Foul: Statutory Violations and Consumer Harm

Eric D. Mulligan

Eric D. Mulligan

February 28, 2025

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

Eric D. Mulligan

Eric D. Mulligan

January 31, 2025

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

Eric D. Mulligan

Eric D. Mulligan

January 31, 2025

Yellowstone Capital Settles Lawsuit with New York Attorney General

Eric D. Mulligan

Eric D. Mulligan

November 27, 2024

Federal Trade Commission Sues Business Financing Company for Allegedly Misleading Consumers

Eric D. Mulligan

Eric D. Mulligan

August 29, 2024

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

Eric D. Mulligan

Eric D. Mulligan

April 30, 2024

New Kansas Law Will Require Disclosures for Commercial Financing Transactions

Eric D. Mulligan

Eric D. Mulligan

December 29, 2023

Continuing Saga of CFPB 1071 Small Business Data Reporting Rule

Eric D. Mulligan

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

Eric D. Mulligan

August 31, 2023

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

Eric D. Mulligan

Eric D. Mulligan

August 31, 2023

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

Katherine C. Fisher
Eric D. Mulligan

Katherine C. Fisher + 1 more

June 30, 2023

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

Eric D. Mulligan

Eric D. Mulligan

March 30, 2023

California Senator Introduces Bill to Make Commercial Brokers Fiduciaries of Borrowers

Eric D. Mulligan

Eric D. Mulligan

February 28, 2023

New Jersey Reaches Consent Order with Yellowstone Capital Regarding MCA Agreements

Katherine C. Fisher
Eric D. Mulligan

Katherine C. Fisher + 1 more

January 31, 2023

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

Eric D. Mulligan

Eric D. Mulligan

March 31, 2022

Utah Enacts Commercial Financing Disclosure Law

Katherine C. Fisher
Eric D. Mulligan

Katherine C. Fisher + 1 more

July 01, 2021

How to Catch Disclosure Errors Through Numbers

Eric D. Mulligan
Anne P. Fortney

Eric D. Mulligan + 1 more

September 30, 2020

New Features in the CFPB Consumer Complaint Database

Eric D. Mulligan

Eric D. Mulligan

May 31, 2019

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

Eric D. Mulligan
Thomas P. Quinn, Jr.
Ryan S. Stinneford

Eric D. Mulligan + 2 more

April 30, 2019

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

Eric D. Mulligan

Eric D. Mulligan

February 28, 2019

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

Eric D. Mulligan

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

Eric D. Mulligan

November 30, 2018

What Makes a Contract?

Eric D. Mulligan

Eric D. Mulligan

October 01, 2018

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

Eric D. Mulligan

Eric D. Mulligan

April 03, 2018

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

Eric D. Mulligan

Eric D. Mulligan

July 24, 2017

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

Eric D. Mulligan

Eric D. Mulligan

May 31, 2017

New Utah Consumer Credit Laws Take Effect

Eric D. Mulligan

Eric D. Mulligan

April 28, 2017

New Cybersecurity Requirements Take Effect in New York

Eric D. Mulligan

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
  • Member, New York State Bar Association
  • “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
  • “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