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Brandon Hayes2Sarah Chen1Carlos RiveraNicole Patel

This is the start of #regulatory

State disclosure laws, 1071, litigation.

Created by Time in Business Editorial on January 5, 2024

Yesterday
Jennifer WalshProvider·10:00 AM

Reminder that COJ enforcement in NY is effectively over for out-of-state merchants. If your collections playbook still leans on it, rewrite it.

Today
New
Nicole PatelProvider·2:50 PM

Quick read on the California disclosure amendments: estimated APR must now appear on the first page of the offer summary, and brokers are explicitly in scope for the recordkeeping requirement. Effective Jan 1. Happy to answer questions here.

Regulatory
California SB-1247: New MCA Disclosure Requirements Explained — What Funders and Brokers Need to Know in 2026
Governor Newsom signs SB-1247 into law, mandating standardized APR disclosures, cooling-off periods, and compliance frameworks for all merchant cash advance providers operating in California. Here's what changes and when.
8 min read
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