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CFPB Guidance Tracker Rescinded & Remaining

In May 2025, the Consumer Financial Protection Bureau revoked nearly 70 guidance documents, marking a significant regulatory shift under new leadership. Additionally, since February, CFPB has dismissed most of its enforcement actions. This resource offers a clear, organized view of the CFPB’s rescinded and remaining actions across key consumer finance markets—including mortgage lending, credit cards, auto finance, and more. Use the accordion menus below to explore guidance withdrawals by sector, track remaining active documents, and assess potential compliance impacts.

Withdrawn & Active CFPB Guidance by Status

The expandable sections below organize CFPB guidance by current status—offering a consolidated view of how the Bureau’s positions have shifted under new leadership. Each section includes links to the original documents.

Title Issued
Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) 01/14/25
Residential Property Assessed Clean Energy Financing (Regulation Z) 01/10/25
CFPB v. Experian Information Solutions, Inc. 01/07/25
Consumer Financial Protection Circular 2024-07: Design, Marketing and Administration of Credit Card Rewards Programs 12/18/24
Settlement with PHEAA and National Collegiate Student Loan Trusts 10/01/24
Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work 07/31/24
Interagency Guidance on Reconsiderations of Value of Residential Real Estate Valuations 07/26/24
CFPB et al. v. StratFS, LLC f/k/a Strategic Financial Solutions, LLC, et al. 01/10/24
CFPB et al. v. Colony Ridge Development, LLC, et al. 12/20/23
Fair Credit Reporting; Facially False Data 10/26/22
CFPB v. MoneyLion Technologies Inc., et al. 09/29/22
CFPB Bulletin 2022-02: Compliance Bulletin on the Electronic Fund Transfer Act's Compulsory Use Prohibition and Government Benefit Accounts  02/24/22
CFPB v. Manseth, United Debt Holding LLC, et al. 01/10/22
CFPB v. FirstCash, Inc., et al. 11/12/21
CFPB Bulletin 2021-01: Changes to Types of Supervisory Communications 03/31/21
CFPB v. Student Loan Pro, et al. 03/16/21
CFPB et al. v. Nexus Services, Inc., et al. 02/22/21
CFPB v. FDATR, et al. 11/20/20
Statement of Policy on Applications for Early Termination of Consent Orders 11/03/20
CFPB v. Commonwealth Equity Group, LLC 05/22/20
CFPB Bulletin 2020-02: Handling of Information and Documents During Mortgage Servicing Transfers 05/01/20
CFPB Bulletin 2020-01: Responsible Business Conduct: Self-Assessing, Self-Reporting, Remediating and Cooperating 03/20/20
Statement of Policy Regarding Prohibition on Abusive Acts or Practices 02/06/20
CFPB et al. v. Consumer Advocacy Center, et al. 10/21/19
Statement on Collection of Demographic Information by Community Development Financial Institutions 06/27/19
Statement on supervisory practices regarding financial institutions and consumers affected by a major disaster or emergency 09/14/18
Memorandum on financial institution and law enforcement efforts to combat elder financial exploitation 08/30/17
Compliance Bulletin 2017-01: Phone Pay Fees 08/02/17
Compliance Bulletin and Policy Guidance; 2016-02, Service Providers 10/31/16
Status of New Uniform Residential Loan Application and Collection of Expanded Home Mortgage Disclosure Act Information About Ethnicity and Race in 2017 09/29/16
Interagency Guidance Regarding Deposit Reconciliation Practices 05/18/16
Compliance Bulletin-The FCRA's Requirement That Furnishers Establish and Implement Reasonable Written Policies and Procedures Regarding the Accuracy and Integrity of Information Furnished to All Consumer Reporting Agencies  02/04/16
CFPB 2015-06: Bulletin re: requirements for consumer authorizations for preauthorized electronic fund transfers 11/23/15
Bulletin re: Interstate Land Sales Full Disclosure Act amendment 08/10/15
CFPB 2015-03: Bulletin re: private mortgage insurance cancellation and termination 08/04/15
CFPB v. Nationwide Biweekly Administration, Inc., et al. 05/11/15
Compliance Bulletin-Treatment of Confidential Supervisory Information  02/25/15
CFPB Bulletin 2014-03: Social Security Disability Income Verification 11/18/14
Compliance Bulletin and Policy Guidance-Mortgage Servicing Transfers 10/23/14
Federal Financial Institutions Examination Council (FFIEC) credit practices guidance 08/22/14
CFPB Bulletin 2013-13: Homeownership Counseling list requirements 11/08/13
CFPB Bulletin 2013-12: Implementation guidance for certain mortgage servicing rules 10/15/13
CFPB Bulletin 2013-11: the Home Mortgage Disclosure Act (HMDA) and Regulation C – Compliance management; CFPB HMDA resubmission schedule and guidelines; and HMDA enforcement 10/09/13
CFPB Bulletin 2013-10: Payroll Card Accounts (Regulation E) 09/12/13
CFPB Bulletin 2013-08 (Fair Debt Collection Practices Act and the Dodd-Frank Act): Representations Regarding Effect of Debt Payments on Credit Reports and Scores 07/10/13
CFPB Bulletin 2013-05: the SAFE Act – uniform state test for state-licensed mortgage loan originators 05/20/13
CFPB Bulletin 2011-04 (Enforcement) 01/18/12
CFPB Bulletin 2011-05: Whistleblower information, and law enforcement tips, and anti-retaliation protections 12/15/11
Title Issued Withdrawn
CFPB Settlement with Wise US Inc. 01/30/25 05/15/25
CFPB Settlement with National Collegiate Student Loan Trusts 01/16/25 04/28/25
Truth in Lending (Regulation Z); Consumer Credit Offered to Borrowers in Advance of Expected Receipt of Compensation for Work 01/15/25 05/12/25
Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms 01/15/25 05/15/25
CFPB v. Capital One Bank 01/14/25 02/27/25
Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA) 01/14/25 05/15/25
Policy Statement on No Action Letters 01/10/25 05/12/25
Policy Statement on Compliance Assistance Sandbox Approvals 01/10/25 05/12/25
CFPB v. Vanderbilt Mortgage and Finance 01/06/25 02/27/25
Overdraft Lending: Very Large Financial Institutions 12/30/24 05/09/25
CFPB v. Rocket Homes Real Estate LLC, et al. 12/23/24 02/27/25
CFPB v. Walmart Inc., and Branch Messenger 12/23/24 05/13/25
Zelle Case: CFPB v. Early Warning Services, Bank of America, JPMC, Wells Fargo 12/20/24 03/04/25
Protecting Americans From Harmful Data Broker Practices (Regulation V) 12/13/24 05/15/25
Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications 12/10/24 05/11/25
CFPB v. Comerica Bank 12/06/24 04/11/25
Required Rulemaking on Personal Financial Data Rights 11/18/24 05/23/25
Consumer Financial Protection Circular 2024-06: Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions 11/12/24 05/12/25
Withdrawal of Supervisory Designation for Google Payment Corporation 11/08/24 05/12/25
CFPB Settlement with Townstone Financial, Inc. 11/01/24 03/26/25
Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt 10/04/24 05/12/25
Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-in Practices 10/02/24 05/12/25
CFPB v. Reliant Holdings, Inc., et al. 09/13/24 04/23/25
Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed 08/23/24 05/12/25
Consumer Financial Protection Circular 2024-04: Whistleblower protections under CFPA Section 1057 08/09/24 05/12/25
CFPB v. Acima Holdings, LLC et al. 07/26/24 03/06/25
Consumer Financial Protection Circular 2024-03: Unlawful and unenforceable contract terms and conditions 06/21/24 05/12/25
Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans 05/31/24 05/12/25
CFPB v. PHEAA, dba AES 05/31/24 02/27/25
CFPB v. Solo Funds 05/17/24 02/21/25
Consumer Financial Protection Circular 2024-02: Deceptive marketing practices about the speed or cost of sending a remittance transfer 04/17/24 05/12/25
Consumer Financial Protection Circular 2023-03: Adverse action notification requirements and the proper use of the CFPB’s sample forms provided in Regulation B 04/17/24 05/12/25
Consumer Financial Protection Circular 2024-01: Preferencing and steering practices by digital intermediaries for consumer financial products or services 03/12/24 05/12/25
Fair Credit Reporting; File Disclosure 01/23/24 05/12/25
Fair Credit Reporting; Background Screening 01/23/24 05/12/25
Withdrawal of Supervisory Designation for World Acceptance Corporation 11/30/23 05/12/25
CFPB Settlement with Toyota Motor Credit Corporation 11/20/23 05/12/25
Consumer Information Requests to Large Banks and Credit Unions 10/16/23 05/12/25
CFPB v. Heights Finance Holding Co. et al. 08/22/23 02/27/25
CFPB v. Snap Finance LLC, et al. 07/19/23 05/27/25
Statement on Enforcement and Supervisory Practices Relating to the Small Business Lending Rule Under the Equal Credit Opportunity Act and Regulation B 05/31/23 05/12/25
Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 05/31/23 04/30/25
Consumer Financial Protection Circular 2023-02: Reopening deposit accounts that consumers previously closed 05/24/23 05/12/25
Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt 05/01/23 05/12/25
Statement of Policy Regarding Prohibition on Abusive Acts or Practices 04/12/23 05/12/25
Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts 03/23/23 05/12/25
Consumer Financial Protection Circular 2023-01: Unlawful negative option marketing practices 01/30/23 05/12/25
CFPB and People of State of New York v. Credit Acceptance Corporation, et al. 01/04/23 04/29/25
Consumer Financial Protection Circular 2022-07: Reasonable investigation of consumer reporting disputes 11/23/22 05/12/25
Consumer Financial Protection Circular 2022-06: Unanticipated overdraft fee assessment practices 11/07/22 05/12/25
Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices 11/07/22 05/12/25
CFPB v. ACTIVE Network, LLC 10/18/22 04/30/25
Consumer Financial Protection Circular 2022-05: Debt collection and consumer reporting practices involving invalid nursing home debts 09/20/22 05/12/25
Consumer Financial Protection Circular 2022-04: Insufficient data protection or security for sensitive consumer information 09/06/22 05/12/25
Limited Applicability of Consumer Financial Protection Act’s ‘Time or Space’ Exception to Digital Marketers 08/17/22 05/12/25
Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports 07/12/22 05/12/25
CFPB v. Populus Financial Group, Inc. 07/12/22 04/30/25
The Fair Credit Reporting Act’s Limited Preemption of State Laws 07/11/22 05/12/25
Debt Collection Practices (Regulation F); Pay-to-Pay Fees 07/05/22 05/12/25
Consumer Financial Protection Circular 2022-03: Adverse action notification requirements in connection with credit decisions based on complex algorithms 06/14/22 05/12/25
Consumer Financial Protection Circular 2022-02: Deceptive representations involving the FDIC’s name or logo or deposit insurance 06/14/22 05/12/25
Consumer Financial Protection Circular 2022-01: System of Consumer Financial Protection Circulars to agencies enforcing federal consumer financial law 06/14/22 05/12/25
Authority of States to Enforce the Consumer Financial Protection Act of 2010 05/26/22 05/12/25
Equal Credit Opportunity (Regulation B); Revocations or Unfavorable Changes to the Terms of Existing Credit Arrangements 05/18/22 05/12/25
CFPB and People of State of New York v. MoneyGram International, Inc., et al. 04/21/22 04/18/25
CFPB v. TransUnion, et al. 04/12/22 02/28/25
Bulletin 2022-05: Unfair and Deceptive Acts or Practices That Impede Consumer Reviews 03/28/22 05/12/25
Bulletin 2022-04: Mitigating Harm from Repossession of Automobiles 03/03/22 05/12/25
Bulletin 2022-03: Servicer Responsibilities in Public Service Loan Forgiveness Communications 03/01/22 05/12/25
Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act 01/20/22 05/12/25
Fair Credit Reporting; Name-Only Matching Procedures 11/10/21 05/12/25
Enforcement Compliance Bulletin 2021-03: Consumer Reporting of Rental Information 07/07/21 05/12/25
Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X 06/30/21 05/16/25
Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents 06/23/21 05/12/25
Bulletin 2021-02: Supervision and Enforcement Priorities Regarding Housing Insecurity 04/07/21 05/12/25
Equal Credit Opportunity (Regulation B); Discrimination on the Bases of Sexual Orientation and Gender Identity 03/16/21 05/12/25
CFPB v. 1st Alliance Lending 01/15/21 02/28/25
Truth in Lending (Regulation Z); Earned Wage Access Programs 12/10/20 05/12/25
Truth in Lending (Regulation Z); Private Education Loans 12/10/20 05/12/25
Statement on Supervisory and Enforcement Practices Regarding Certain Large Loans Under the Regulations for Payday, Vehicle Title, and Certain High-Cost Installment Loans 07/07/20 03/28/25
Statement on Supervisory and Enforcement Practices Regarding the Remittance Rule in Light of the COVID-19 Pandemic 04/10/20 05/12/25
Policy Guidance on Supervisory and Enforcement Priorities Regarding Early Compliance with the 2016 Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) 06/30/17 05/12/25
Bulletin 2016-03: Detecting and Preventing Consumer Harm from Production Incentives 01/18/17 05/12/25
Bulletin 2015-07 re: in-person collection of consumer debt 12/16/15 05/12/25
Bulletin 2015-02 re: Section 8 housing choice voucher homeownership program 05/11/15 05/12/25
Disclosure of Consumer Complaint Narrative Data 03/12/15 05/12/25
Bulletin 2014-02 re: marketing of credit card promotional APR offers 09/03/14 05/12/25
Bulletin clarifying mortgage lending rules to assist surviving family members 07/08/14 05/12/25
Bulletin 2014-01 re: FCRA requirement that furnishers conduct investigations of disputed information 02/27/14 05/12/25
Bulletin 2013-09 re: the FCRA’s requirement to investigate disputes and review “all relevant” information 09/04/13 05/12/25
Bulletin 2013-07 re: prohibition of unfair, deceptive, or abusive acts or practices in the collection of consumer debts 07/10/13 05/12/25
Disclosure of Consumer Complaint Data 04/10/13 05/12/25
Bulletin 2013-01 re: indirect auto lending and compliance with the Equal Credit Opportunity Act 03/21/13 05/12/25
Bulletin 2012-09 re: FCRA’s streamlined process requirement for consumers to obtain free annual reports 11/29/12 05/12/25
Bulletin 2012-08 re: implementation of the remittance rule (Regulation E, Subpart B) 11/27/12 05/12/25
Disclosure of Certain Credit Card Complaint Data 06/22/12 05/12/25
Bulletin 2012-04 re: lending discrimination 04/18/12 05/12/25
Bulletin 2012-02 re: the payment of compensation to loan originators 04/02/12 05/12/25
Bulletin 11-2 re: the Interstate Land Sales Full Disclosure Act 07/21/11 05/12/25
Bulletin 2012-06 re: marketing of credit card add-on products 07/18/11 05/12/25

Withdrawn CFPB Guidance by Market Sector

The sections below categorize the CFPB’s revoked guidance and related actions by market sector, highlighting key areas affected by the May 2025 rollbacks.
Title Issued Withdrawn
Protecting Americans From Harmful Data Broker Practices (Regulation V) 12/13/24 05/15/25
Required Rulemaking on Personal Financial Data Rights 11/18/24 05/23/25
Consumer Financial Protection Circular 2024-06: Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions 11/12/24 05/12/25
Consumer Financial Protection Circular 2024-01: Preferencing and steering practices by digital intermediaries for consumer financial products or services 03/12/24 05/12/25
Fair Credit Reporting; File Disclosure 01/23/24 05/12/25
Fair Credit Reporting; Background Screening 01/23/24 05/12/25
Consumer Financial Protection Circular 2022-07: Reasonable investigation of consumer reporting disputes 11/23/22 05/12/25
Consumer Financial Protection Circular 2022-05: Debt collection and consumer reporting practices involving invalid nursing home debts 09/20/22 05/12/25
Consumer Financial Protection Circular 2022-04: Insufficient data protection or security for sensitive consumer information 09/06/22 05/12/25
Limited Applicability of Consumer Financial Protection Act’s ‘Time or Space’ Exception to Digital Marketers 08/17/22 05/12/25
Fair Credit Reporting; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports 07/12/22 05/12/25
The Fair Credit Reporting Act’s Limited Preemption of State Laws 07/11/22 05/12/25
CFPB v. TransUnion 04/12/22 02/28/25
Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection with the No Surprises Act 01/20/22 05/12/25
Fair Credit Reporting; Name-Only Matching Procedures 11/10/21 05/12/25
Enforcement Compliance Bulletin 2021-03: Consumer Reporting of Rental Information 07/07/21 05/12/25
Bulletin 2014-01 re: FCRA requirement that furnishers conduct investigations of disputed information 02/27/14 05/12/25
Bulletin 2013-09 re: the FCRA’s requirement to investigate disputes and review “all relevant” information 09/04/13 05/12/25
Bulletin 2012-09 re: FCRA’s streamlined process requirement for consumers to obtain free annual reports 11/29/12 05/12/25
Title Issued Withdrawn
CFPB Settlement with Wise US Inc. 01/30/25 05/15/25
Electronic Fund Transfers Through Accounts Established Primarily for Personal, Family, or Household Purposes Using Emerging Payment Mechanisms 01/15/25 05/15/25
CFPB v. Capital One Bank 01/14/25 02/27/25
Overdraft Lending: Very Large Financial Institutions 12/30/24 05/09/25
CFPB v. Walmart Inc., and Branch Messenger 12/23/24 05/13/25
Zelle Case: CFPB v. Early Warning Services, Bank of America, JPMC, Wells Fargo 12/20/24 03/04/25
CFPB v. Comerica Bank 12/06/24 04/11/25
Required Rulemaking on Personal Financial Data Rights 11/18/24 05/23/25
Withdrawal of Supervisory Designation for Google Payment Corporation 11/08/24 05/12/25
Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-in Practices 10/02/24 05/12/25
Consumer Financial Protection Circular 2024-02: Deceptive marketing practices about the speed or cost of sending a remittance transfer 04/17/24 05/12/25
Consumer Information Requests to Large Banks and Credit Unions 10/16/23 05/12/25
Consumer Financial Protection Circular 2023-02: Reopening deposit accounts that consumers previously closed 05/24/23 05/12/25
Consumer Financial Protection Circular 2022-06: Unanticipated overdraft fee assessment practices 11/07/22 05/12/25
Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices 11/07/22 05/12/25
Consumer Financial Protection Circular 2022-02: Deceptive representations involving the FDIC’s name or logo or deposit insurance 06/14/22 05/12/25
CFPB and People of State of New York v. MoneyGram International, Inc., et al. 04/21/22 04/18/25
Statement on Supervisory and Enforcement Practices Regarding the Remittance Rule in Light of the COVID-19 Pandemic 04/10/20 05/12/25
Bulletin 2012-08 re: implementation of the remittance rule (Regulation E, Subpart B) 11/27/12 05/12/25
Title Issued Withdrawn
CFPB Settlement with Wise US Inc.  01/30/25 05/15/25
CFPB Settlement with National Collegiate Student Loan Trusts 01/16/25 04/28/25
Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)  01/14/25 05/15/25
CFPB v. Capital One Bank 01/14/25 02/27/25
Zelle Case: CFPB v. Early Warning Services, Bank of America, JPMC, Wells Fargo 12/20/24 03/04/25
CFPB v. Comerica Bank 12/06/24 04/11/25
CFPB v. Reliant Holdings, Inc., et al. 09/13/24 04/23/25
CFPB v. Acima Holdings, LLC et al. 07/26/24 03/06/25
Consumer Financial Protection Circular 2024-03: Unlawful and unenforceable contract terms and conditions  06/21/24 05/12/25
CFPB v. PHEAA, dba AES 05/31/24 02/27/25
CFPB v. Solo Funds 05/17/24 02/21/25
Consumer Financial Protection Circular 2024-02: Deceptive marketing practices about the speed or cost of sending a remittance transfer 04/17/24 05/12/25
Consumer Financial Protection Circular 2024-01: Preferencing and steering practices by digital intermediaries for consumer financial products or services 03/12/24 05/12/25
CFPB Settlement with Toyota Motor Credit Corporation 11/20/23 05/12/25
CFPB v. Heights Finance Holding Co. et al. 08/22/23 02/27/25
Consumer Financial Protection Circular 2023-02: Reopening deposit accounts that consumers previously closed 05/24/23 05/12/25
Statement of Policy Regarding Prohibition on Abusive Acts or Practices 04/12/23 05/12/25
Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts 03/23/23 05/12/25
Consumer Financial Protection Circular 2023-01: Unlawful negative option marketing practices 01/30/23 05/12/25
CFPB and People of State of New York v. Credit Acceptance Corporation, et al. 01/04/23 04/29/25
Consumer Financial Protection Circular 2022-06: Unanticipated overdraft fee assessment practices 11/07/22 05/12/25
Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices 11/07/22 05/12/25
CFPB v. ACTIVE Network, LLC 10/18/22 04/30/25
Consumer Financial Protection Circular 2022-04: Insufficient data protection or security for sensitive consumer information 09/06/22 05/12/25
CFPB v. Populus Financial Group, Inc. 07/12/22 04/30/25
Consumer Financial Protection Circular 2022-02: Deceptive representations involving the FDIC’s name or logo or deposit insurance 06/14/22 05/12/25
CFPB and People of State of New York v. MoneyGram International, Inc., et al. 04/21/22 04/18/25
CFPB v. TransUnion 04/12/22 02/28/25
Bulletin 2022-05: Unfair and Deceptive Acts or Practices That Impede Consumer Reviews 03/28/22 05/12/25
Bulletin 2022-04: Mitigating Harm from Repossession of Automobiles 03/03/22 05/12/25
Bulletin 2022-03: Servicer Responsibilities in Public Service Loan Forgiveness Communications 03/01/22 05/12/25
CFPB v. 1st Alliance Lending 01/15/21 02/28/25
Bulletin 2016-03: Detecting and Preventing Consumer Harm from Production Incentives 01/18/17 05/12/25
Bulletin 2014-02 re: marketing of credit card promotional APR offers 09/03/14 05/12/25
Bulletin 2013-07 re: prohibition of unfair, deceptive, or abusive acts or practices in the collection of consumer debts 07/10/13 05/12/25
Bulletin 2012-06 re: marketing of credit card add-on products 06/27/11 05/12/25

Insights

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CFPB Revokes Guidance in Sweeping Rollback of Agency Policies and Priorities
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State Attorneys General Step Up Consumer Financial Services Enforcement
With a combination of expanded authority, increased funding, strategic collaboration, and a growing desire to address state-specific concerns, state attorneys general have become key players in investigating and litigating competition issues.
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