In this issue:

- A. UDAP/UDAAP Actions

- 1. Auto Lending

- 2. Banking Products

- 3. Credit Card Add-On Products

- 4. Credit Card Advertising

- 5. Credit Reporting and Monitoring

- 6. Debt Collection

- 7. General Consumer Credit

- 8. Mortgage Advertising

- 9. Mortgage Servicing

- 10. Payday Loans

- 11. Student Loans

- B. Other UDAAP Developments

- 1. State Consumer Financial Services UDAAP Enforcement

- 2. Data and Cyber Security

- 3. Cramming

- C. Conclusion

- Excerpt from UDAP/UDAAP Actions:

In this report, we provide a detailed view of the specific acts and practices that were challenged as unfair, deceptive, or abusive in 2014. We also include a summary of formal and informal UDAP/UDAAP guidance issued in the past year. Taken together, this compendium is a useful introduction for consumer financial services companies interested in evaluating and mitigating their UDAP/UDAAP risk.