States Expand Enforcement After CFPB Retreat
State attorneys general and banking agencies are increasing enforcement and hiring former CFPB officials after federal regulators scaled back supervision this year. New York, California, Pennsylvania, Massachusetts and Connecticut are using Dodd-Frank UDAAP authority, passing laws like New York's FAIR Act and pursuing multi‑million dollar settlements such as a $425 million Capital One deal. The shift raises scrutiny of banks, nonbanks, Buy-Now-Pay-Later and AI-driven lending.
Scoring Rationale
Industry-wide regulatory shift with concrete enforcement examples and hires; limited methodological novelty or transformative impact.
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