Unfair & Deceptive Acts & Practices (UDAP), including DiscriminationPodcast episode on changes to NY’s UDAAP statute Posted on February 13, 2026 by Jeff Sovern Here, on Ballard Spahr’s Consumer Finance Monitor podcast. Jeff Sovern Michael Millemann Professor of Consumer Protection Law University of Maryland Francis King Carey School of Law Fed study on how usury limits affects who gets loans