A Look Back at 2022 in Consumer Credit and Collections Case Law and Federal and State Regulation

Just a few years ago, the annual review would primarily encompass federal activity. But a shift began in 2018, and by the close of 2022, it’s clear there is far more state activity impacting consumer debt collection.

The CFPB has reverted to its old form of issuing circulars and reports and engaging in regulation by enforcement. But it didn’t move the ball nearly at all compared to what was done at the state level.

And so here we will look at one federal regulation (which is not “new” but was still impactful) and 21 state and local laws and regulations that are game changers.