Founded in 1970, Cozen O’Connor has more than 925 attorneys practicing internationally in 32 cities across North America and Europe. We are a full-service firm with award-winning practices in litigation, business law, and government relations, and our attorneys have experience operating in all sectors of the economy. Our diverse client list includes global Fortune 500 companies, middle-market firms poised for growth, ambitious startups, and high-profile individuals.

Industry: Banking, Finance, Crypto; Securities, Food, Beverage, Nutritional Supplements

Area of Law: Artificial Intelligence, Consumer Finance, Mortgages & Debt, Consumer Protection, Cybersecurity, Data Security & Privacy

This year's NAAG Consumer Protection Fall Conference was
held on October 21, 2025 in Washington, DC. The conference brought
together state AGs and AG staff, consumer advocates, and private
sector stakeholders to address emerging consumer protection
trends.

From Data to Diet: AG Panel Highlights Emerging State
Laws

At the opening session, a panel of AAGs, along with a NAAG
representative, discussed the growing wave of state laws targeting
deceptive practices. They highlighted the adoption of data privacy
statutes and the creation of enforcement units within AG offices.
The panel also addressed new state-level regulations on
ultra-processed foods (UPFs), including West Virginia laws banning
certain UPFs from sale and use in school nutrition programs, and
ongoing efforts to regulate electronic nicotine delivery systems
(ENDS), such as unauthorized e-cigarettes.

Student Loan Shake-Up: Policy Shifts Create Ripple
Effects

A panel of student loan experts examined the sweeping changes
reshaping the federal student loan system post-COVID. The end of
the pandemic-era payment pause, combined with adjustments to
repayment plans and borrowing limits, has created widespread
consumer uncertainty. The panelists warned these shifts could
impact the higher education and financial sectors, urging AG
offices to stay current so they can help consumers navigate the
evolving landscape.

Rising Debt Collection Litigation Spurs Regulatory
Scrutiny

The next discussion spotlighted the growing issues in debt
collection litigation. Driven by rising credit card delinquencies,
these suits often result in default judgments in part due to
inadequate consumer notice. Legislators are responding with reforms
focused on ensuring proof of debt, improving consumer
participation, and strengthening protections from
garnishment—developments that could reshape compliance
strategies for financial services and collection firms.