Consumer Law

Keep Up with Revolutionary Changes in Payments
Payroll, government benefits, college and other prepaid cards
New regulations on money orders
What you didn’t know about check payments, lost checks, check deposits, accord and satisfaction, bank fees, banker’s set off and more
Debit cards, electronic fund transfers, and telechecks
Banker’s right of setoff and new federal regulation protecting benefits from seizure
Electronic signatures and records.

The latest on rent-a-bank attempts to evade state usury laws
The current status of the CFPB payday loan rule and state challenges to payday and auto title loans
Federal and state regulation of credit cards
New forms of predatory lending, including installment loans and bogus rent-to-own transactions
Auto and manufactured home finance, retail instalment sales, and credit insurance
New standards limiting federal preemption of state and choice of state laws
Abusive tax time loans, structured settlements and cash for future income
Unique chapters cover the basics: what is interest, credit math, and a survey of federal and state credit statutes and consumer claims
Detailed explanation of litigation issues involved in litigating usury and predatory lending cases
Appendices reprint key federal statutes and rules and provide state-by-state summaries of state credit statutes

A number of federal and state discrimination laws having a surprisingly varied applicability in consumer cases, including the Equal Credit Opportunity Act (ECOA), Fair Housing Act, several Civil Rights Acts, state discrimination statutes, the Home Mortgage Disclosure Act (HMDA), and the Community Reinvestment Act (CRA):

Reverse redlining claims against predatory lending
Disparate impact claims for discriminatory pricing schemes and hidden finance upcharges
Limits on requirements for spouse and others to co-sign loans and liability of one spouse for the other’s debts
Notice requirements related to granting and denial of credit, counter-offers
Record retention requirements
Discrimination in application procedures and credit evaluation
Discrimination based on receipt of public assistance, age, or change in name or marital status
Discrimination law’s applicability to credit reporting
Powerful Remedies
Credit discrimination laws offer consumers powerful remedies, including:

Punitive damages
Injunctive relief
Consequential damages for pain and suffering
Other forms of actual damages
Attorney fees.

A number of federal and state discrimination laws having a surprisingly varied applicability in consumer cases, including the Equal Credit Opportunity Act (ECOA), Fair Housing Act, several Civil Rights Acts, state discrimination statutes, the Home Mortgage Disclosure Act (HMDA), and the Community Reinvestment Act (CRA):

Reverse redlining claims against predatory lending
Disparate impact claims for discriminatory pricing schemes and hidden finance upcharges
Limits on requirements for spouse and others to co-sign loans and liability of one spouse for the other’s debts
Notice requirements related to granting and denial of credit, counter-offers
Record retention requirements
Discrimination in application procedures and credit evaluation
Discrimination based on receipt of public assistance, age, or change in name or marital status
Discrimination law’s applicability to credit reporting
Powerful Remedies
Credit discrimination laws offer consumers powerful remedies, including:

Punitive damages
Injunctive relief
Consequential damages for pain and suffering
Other forms of actual damages
Attorney fees.

The definitive Truth in Lending treatise from the nation’s TILA experts, now in its tenth edition

Essential litigation tool for mortgages, car loans, credit cards, leases, and any other type of credit
Statutory damages of $5,000 and more for credit cards, $4,000 and up for mortgage loans, and $2,000 for auto loans and leases, plus attorney fees for prevailing consumers
Powerful applications to emerging forms of credit, such as Property Assessed Clean Energy (PACE) loans
Practice pointers, including dealing with Supreme Court’s Spokeo decision
Fully up-to-date, including 2019 rules for pre-paid cards with overdraft features
The most authoritative discussion of TILA rescission rights, including analysis of Supreme Court's Jesinoski ruling
New rules covering kickbacks to mortgage originators, higher cost mortgage loans, and HOEPA loans
The latest on TILA/RESPA integrated mortgage disclosures, mortgage servicing, and mortgage loan transfers
The most complete TIL resource anywhere, with sample pleadings, up-to-date statute, rules, and interpretations, 50 years of TILA Federal Register interpretations organized by subsection, an APR calculator, and expanded TILA legislative history