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Expert Analysis

A Compliance Update For Credit Card Reward Partnerships

By Crystal Kaldjob, Alexander J. Callen and Nikki Cary ( February 7, 2025, 4:24 PM EST) -- Once seemingly benevolent to credit card rewards programs, the Consumer Financial Protection Bureau recently turned a critical eye toward such endeavors, and in December released a circular[1] laying out for law enforcement agencies the CFPB's belief that credit card issuers and their merchant partners could violate federal law through conduct that devalues earned rewards or otherwise inhibits consumers from obtaining or redeeming promised rewards....

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