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30 Sep 2014, 3:08 pm
The MLA rule provides protections to a consumer who is a servicemember or the dependent of a servicemember at the time he or she becomes obligated on certain types of consumer credit transactions, such as limiting interest to 36 percent, prohibiting arbitration and prepayment penalties, and requiring delivery of special disclosures before consummation of the transaction (including oral disclosures, which in certain instances may be satisfied by providing a toll-free… [read post]
13 Jan 2014, 10:02 am
You also have the right to place a security freeze on your consumer credit report. [read post]
7 Jul 2007, 10:11 am
PIRG's Consumer Blog has this excellent discussion of state security freeze laws -- laws that allow consumers to put a freeze on their credit reports. [read post]
25 Feb 2009, 8:48 pm
Once again, this conference is a joint endeavor by our bank's Research Department and the Payment Cards Center. [read post]
23 Mar 2022, 9:21 am
The Department of Justice recently entered into a settlement with BayPort Credit Union to resolve allegations that it violated the Servicemembers Civil Relief Act (SCRA) by charging unlawful interest to servicemembers and repossessing vehicles owned by servicemembers without first obtaining the required court orders. [read post]
29 Dec 2014, 3:23 pm
” The DoD proposal would revise the scope of “consumer credit” subject to MLA restrictions to include, regardless of term or amount, all payday loans, vehicle title loans, refund anticipation loans, deposit advance loans, installment loans, unsecured open-end lines of credit, and credit cards. [read post]
6 Jun 2024, 12:21 pm
Jensen disputed the charges with his credit card. [read post]
9 Feb 2018, 8:41 am
An investigation by New York City’s Department of Consumer Affairs of the high default rate in consumer credit cases found that disreputable process-serving companies were never actually serving process, but instead effectively tossing the papers in the sewer and filing false affidavits of service. [read post]
14 Jul 2011, 2:44 pm
The following are some of the protections, according to the Department of Consumer Affairs: The consumer’s right to cancel the sale. [read post]
6 Feb 2007, 7:24 am
The report is well worth a quick read, and it suggests a fair amount of consumer debt may be medically related. [read post]
17 Jun 2009, 4:45 pm
As the authors of this study note, many people use credit cards to pay their medical bills, which can send them deeper into debt when credit card companies jack up interest rates or lower their credit limits. [read post]
20 Oct 2016, 11:19 am
For credit extended in a new credit card account under an open-end consumer credit plan, compliance is not required until October 3, 2017. [read post]
4 May 2016, 4:41 pm
Department of Education are expected to propose rules to rein in the abuses of forced arbitration, making for a growing number of federal agencies taking action against this unfettered exploitation of American consumers. [read post]
24 Jul 2017, 10:26 am
” Once CFPB Director Cordray departs and is replaced by a successor appointed by President Trump, we would hope and expect that he or she will narrow the CFPB’s enforcement priorities in a manner similar to what Mr. [read post]
27 Jul 2015, 10:56 am
Although the Final Rule takes effect on October 1, 2015, it will apply only to consumer credit transactions or accounts that are consummated or established after October 3, 2016 for most products, and after October 3, 2017 for credit cards. [read post]
1 May 2012, 3:08 am
The credit-score penalty Percentage increases in insurance coverage for consumers with poor vs. good credit scores for North Dallas: Auto insurance Allstate 14.7 Progressive 40.4 State Farm 46.3 Home insurance Allstate 54.2 Liberty Mutual 46.3 State Farm 31.6 SOURCE: Texas Department of Insurance [read post]
22 Jul 2015, 6:27 am
”[1] On July 20, the Department of the Treasury published a Notice and Request for Information (“RFI”) seeking comment on various aspects of online marketplace lending, including – the business models and products offered to small businesses and consumers the potential to expand access to credit to underserved market segments how the financial regulatory framework should evolve to support the growth of the industry Treasury asks for comment on 14… [read post]
21 Aug 2015, 1:48 pm
A position in the state Department of Justice. [read post]
9 Nov 2009, 6:15 am
But often, according to the Consumer Federation of America, the firms ask for upfront fees without delivering their promised results or don't disclose what effect the services may have on credit scores or debt collector calls, misleading consumers and leaving them worse off. [read post]
17 Mar 2022, 7:31 am
The Division of Consumer Protection, in the Utah Department of Commerce, investigates potential violations and can refer an action to the Utah Attorney General for enforcement. [read post]
