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John L. Culhane, Jr.

Partner at Ballard Spahr LLP

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Ballard Spahr LLP

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Posts Authored

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Chopra Defends CFPB’s Medical Debt Proposed Rule

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CFPB Issues Semi-Annual Regulatory Agenda; Registry of Supervised Non-Banks to Be Finalized This Month

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FTC Issues Report on Collaboration with State Attorneys General

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CFPB and Plaintiffs Fully Brief Motion for Preliminary Injunction in Trade Group Lawsuit Regarding Final Credit Card Late Fee Rule

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Fintech Trade Group Sends Letter to Director Chopra Urging CFPB to Develop Regulatory Approach for Earned Wage Access Products

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CFPB Fall 2023 Rulemaking Agenda Indicates Imminent Issuance of Final Credit Card Late Fees Rule and Proposed Rules on Overdraft and NSF Fees

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CFPB Removes Changes Regarding Discrimination as an Unfair Practice From UDAAP Exam Manual but Appeals From District Court Order Vacating Changes

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Ninth Circuit Confirms Discrete Actions in Debt Collection Litigation can Trigger FDCPA One-Year Statute of Limitations

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CFPB Announces Plans to Propose Rule Regulating Data Brokers Under the FCRA

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CFPB Sues Auto Loan Servicer for UDAAP Violations

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Eleventh Circuit Rules District Court Did Not Abuse its Discretion by Dismissing Defendants in CFPB Enforcement Action as Sanctions for “Obstructionist Conduct” in Depositions

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CFPB Announces Consent Order with Third-Party Collector of Medical Debt

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CFPB Report Shows Nearly 50% Decline in Overdraft/NSF Fee Revenues From Pre-Pandemic Levels

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CFPB Pushes the ECOA Coverage Envelope Again

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Second Circuit rules CFPB’s funding does not violate Appropriations Clause

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CFPB Supervisory Highlights Special Edition Looks at “Junk Fees” Charged in Connection With Deposits, Auto Servicing, Mortgage Servicing, Payday and Small-Dollar Lending, and Student Loan Servicing

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SCOTUS Agrees to Decide Whether CFPB’s Funding Is Unconstitutional but Will Not Hear Case Until Next Term

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New CFPB Report and Blog Post Look at Third-Party Debt Collections Tradeline Reporting and Medical Debt Furnishing

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CFPB Proposes Significant Changes to Credit Card Late Fee Rules, Including Reduction in Late Fee Safe Harbor Amounts and Elimination of Annual Inflation Adjustments

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CFPB Issues Request for Information on Consumer Credit Card Market