The Roundup: CFPB’s New Priorities for 2025, a $50M Lawsuit for Undisclosed Influencer Marketing, and When Compliance Thinks Like a Marketer

Welcome to the PerformLine Regulatory Compliance Roundup, home of the latest news, articles, and reports from our industry, curated for you. Let’s get into it.

In this edition: CFPB rescinds enforcement, supervisory priority documents and outlines new priorities for 2025, NY AG files two complaints against earned wage access providers, California bill would expand DFPI’s power to police financial services misconduct, BNPL: what lies ahead?, Revolve faces $50m lawsuit over undisclosed influencer marketing, FTC lawsuit against online bill pay platform to proceed, and when compliance thinks like a marketer with eToro.

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CFPB Rescinds Enforcement, Supervisory Priority Documents, Outlines New Priorities for 2025

The CFPB has rescinded its previous enforcement and supervision priorities, outlining a new 2025 agenda focused on addressing direct consumer harm, particularly among servicemembers and veterans. 

The agency plans to cut supervisory events by 50%, shift its oversight back toward banks over nonbanks, and scale back efforts in areas like medical debt, peer-to-peer lending, and digital payments. Fair lending actions will now target only cases involving intentional discrimination with identifiable victims.

NY AG Files Two Complaints Against Earned Wage Access Providers

New York Attorney General filed two lawsuits against earned wage access (EWA) providers, alleging they violated state usury laws and federal consumer protection statutes. 

One company is accused of charging fees equating to over 350% APR on short-term advances and misrepresenting these charges as non-interest. The other allegedly imposed fees leading to APRs exceeding 500%, fostering a cycle of debt among hourly workers. Both firms are charged with deceptive practices, including false advertising and wage assignment violations. The AG seeks injunctions, restitution, and civil penalties of $5,000 per violation.

Significant Stat: 60x: One financial institution achieved 60 times more compliance oversight with technology. Read more

California Bill Would Expand DFPI’s Power to Police Financial Services Misconduct

A new proposed bill in California would expand the enforcement authority of the state’s Department of Financial Protection and Innovation (DFPI) by confirming its ability to take action against unfair, deceptive, or abusive practices—even when the entities involved are already licensed under existing state financial laws. Currently, some licensed financial firms are exempt from key provisions of the California Consumer Financial Protection Law. 

The bill aims to close that gap, allowing DFPI to pursue broader remedies and strengthen consumer protections. While the proposal is California-specific, it reflects a larger national trend of state regulators seeking to assert broader authority over financial services providers—especially as federal enforcement priorities shift.

BNPL: What Lies Ahead?

Cross River Bank’s outlook on the Buy Now, Pay Later (BNPL) market points to ongoing consolidation, rising competition from traditional banks, and the blending of BNPL with budgeting tools and rewards programs. BNPL is expanding beyond retail into healthcare, education, and B2B, while increased regulatory focus is raising concerns about consumer protection, data privacy, and responsible lending. Success in this space will depend on strong compliance and tech-driven innovation.

Revolve Faces $50M Lawsuit Over Undisclosed Influencer Marketing

Fashion retailer Revolve is facing a $50 million class-action lawsuit for allegedly misleading consumers by failing to disclose paid influencer partnerships. The complaint claims that Revolve compensated influencers with cash, gifts, and luxury trips to promote its products without proper disclosure, violating FTC guidelines and consumer protection laws in over 20 states. The plaintiff asserts she and others paid inflated prices based on what they believed were genuine endorsements. The lawsuit highlights growing legal scrutiny of influencer marketing practices.

FTC Lawsuit Against Online Bill Pay Platform To Proceed

A federal judge has allowed the FTC’s lawsuit against an online bill payment platform to move forward, rejecting a motion to dismiss. The platform is accused of misleading consumers by appearing to be an official payment channel for billers and failing to clearly disclose service fees and subscription terms. 

The court found the platform’s disclosures—such as light gray text and missing fee details—were not sufficiently clear or conspicuous, potentially violating federal consumer protection laws. The case centers on alleged deceptive practices and unauthorized subscription enrollments.

When Compliance Thinks Like a Marketer with eToro

This podcast episode explores how compliance teams can better support marketing by adopting a more collaborative, strategic mindset. Stacey Onyido at eToro shares how understanding marketing language and goals helps streamline approvals and reduce friction. 

She discusses the growing complexity of overseeing marketing across channels like social media and influencer partnerships, especially with AI accelerating content creation. Key takeaways include the need for clear communication between teams, the value of proactive compliance involvement, and the influence of consumer-first regulations like the UK’s Consumer Duty on shaping global standards.