Author Archives: Jeff Sovern

Richard Frankel essay: Addressing Mandatory Arbitration in an Age of Federal Dysfunction

At 38 Loyola Consumer Law Review 183 (2026). Here’s the abstract: The second Trump Administration has waged war against consumers and against the federal agencies that seek to protect consumers. It has tried to shut down the Consumer Financial Protection Bureau, expand the President’s authority to exert iron-fisted control over agency directors, and significantly shrink the federal workforce that in the […]

CFPB Director Nominee Brian Johnson 2023 testimony gives clues as to his views

Back in 2023, Brian Johnson testified before the House Financial Services Committee’s Subcommittee on Financial Institutions and Monetary Policy during a hearing on the CFPB. The testimony offers clues as to what Johnson thinks. It includes a long list of items where Johnson seems to think the Bureau had gone astray. I picked out four […]

Trump names Brian Johnson to lead CFPB

American Banker’s Kate Berry has the story here. Johnson served as former CFPB director Kathy Kraninger’s second-in-command during the first Trump administration. It remains to be seen whether he is more like Vought or Kraninger or goes in a different direction but I can’t say I’m optimistic.

Interview with former CFPB Policy Fellow Amelia O’Rourke-Owens

At Ballard Spahr’s Consumer Finance Monitor podcast. From the episode description: Amelia advances a bold thesis in her article: that consumer protection law, and particularly consumer financial protection law, may be the most impactful body of law in the United States. She further argues that the strength of consumer protection laws may serve as a […]

Is Amazon’s subscribe and save feature a bait and switch?

Regular Amazon users probably know that if they agree to subscribe to certain products and receive deliveries at regular intervals, Amazon charges less than if they buy the items one at a time. But now some plaintiffs have brought a would-be class action in which they claim that Amazon raises the price after someone subscribes, […]