This program discussed each of the major sources of regulation of consumer financial products in the context of the regulatory techniques and policies that are the common threads in a complex pattern. This included:

• Price regulation and federal preemption of state price limitations
• Truth in lending and disclosure requirements
• Marketing, advertising and unfair or deceptive conduct
• Account servicing and collections
• Regulating the “fairness” of financial institution conduct
• Data security, fraud prevention and identity protection
• Consumer reporting: FCRA & FACT Act
• Fair lending and fair access to financial services
• Remedies: regulators and private plaintiffs
• Regulatory and legislative priorities for 2012 and beyond