The New Financial Services Regulatory Landscape: Opportunities and Challenges (July. 30, 2025)

With the administration change in Washington, the regulatory environment for consumer financial services has changed rapidly and dramatically.  The changes at the CFPB have been the most extreme, but all of the Federal financial regulators are expected to behave profoundly differently over the next four years.  In this session, we will explore the changes at the federal level and note the benefits and opportunities for the industry as a result of those changes.  But we will also note the dangers to industry, stemming from the possibility of a reaction at the federal level after a future administration change, as well as from the efforts of state regulators and legislatures to bridge the void of consumer financial protection law enforcement.  

We will highlight:

• The battle over the CFPB's personnel and budget
• The CFPB's withdrawals of enforcement actions, rulemaking efforts and informal guidance
• The likely priorities of the CFPB and federal banking regulators over the course of the next four years
• The possibility of another round of whipsawing after a future administration change
• The reaction of state AGs and financial services regulators to the pullback at the federal level, and the challenges this will pose for industry
• The likelihood of impactful state legislation in the consumer financial services industry

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