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23 Nov 2019, 8:03 am by Jeff Sovern
by Jeff Sovern From Politico's Morning Money Newsletter: KRANINGER PROMISES CLARITY — Our Victoria Guida: “Consumer Financial Protection Bureau Director Kathy Kraninger said … her agency will soon provide more clarity on what constitutes an ‘abusive practice’ by sellers of financial products, tackling an issue that has dogged policymakers since the financial crisis. [read post]
7 Sep 2019, 3:14 pm by Jeff Sovern
by Jeff Sovern The Dodd-Frank Act gives the CFPB the power to act against entities within the CFPB's jurisdiction for engaging in abusive practices. [read post]
25 Aug 2019, 3:34 pm by Jeff Sovern
by Jeff Sovern Section 1692g(a)(4) requires debt collectors to send consumers a "a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to… [read post]
18 Jul 2019, 12:14 pm by Jeff Sovern
by Jeff Sovern Many consumer laws require that businesses make "clear and conspicuous" disclosures. [read post]
16 Jul 2019, 1:35 pm by Jeff Sovern
by Jeff Sovern Norm Silber of Hosfstra has pointed out to me that the New York legislature has passed two consumer protection bills that await Governor Cuomo's signature. [read post]
26 Jun 2019, 3:01 am by Walter Olson
Brunetti] Mexico files charges of cultural appropriation against Carolina Herrera fashion house over native-inspired designs [Julie Zerbo, Fashion Law, AFP, related earlier on indigenous cultures and intellectual property] Schumpeterian innovation and the campaign to break up Big Tech [Ryan Bourne, Cato, earlier] “Another survey of consumer law professors fails to find any who always reads consumer contracts before signing them” [Jeff Sovern, earlier] Settlement… [read post]
23 Jun 2019, 2:16 pm by Jeff Sovern
by Jeff Sovern The industry and some others often complain about "regulation by enforcement," by which I gather is meant that enforcement agencies bring actions against businesses without having previously given extremely clear notice that, in the agency's view, the conduct that is the subject of the action violates existing law. [read post]
17 Jun 2019, 3:16 pm by Jeff Sovern
by Jeff Sovern Regular blog subscribers may recall that last year, at Richard Alderman's Teaching Consumer Law Conference, I asked two questions of attendees about whether they read contracts or required disclosures (those results are available here). [read post]
15 Jun 2019, 12:37 pm by Jeff Sovern
by Jeff Sovern I've spent the last few days at a terrific International Association of Consumer Law conference at the of Indiana University's Robert H. [read post]
7 Jun 2019, 5:02 pm by Jeff Sovern
by Jeff Sovern The more I think about the CFPB's recent proposal to allow debt collectors to leave limited-content messages over the phone, the more I think the proposal has real problems. [read post]
7 Jun 2019, 7:03 am by Jeff Sovern
by Jeff Sovern Many states allow their consumers to sue misbehaving companies for unfair practices, including red and purple states like Mississippi, Georgia, North Carolina, Tennessee and West Virginia, states that we normally don't think of as being in the vanguard of consumer protection. [read post]
29 May 2019, 9:05 pm by Walter Olson
” [Jeff Sovern, Consumer Law and Policy] Tags: colleges and universities, debtor-creditor law, law schools [read post]
21 May 2019, 10:34 am by Jeff Sovern
by Jeff Sovern It may seem bizarre, but it appears that recommendations that contain information that goes beyond the transactions or experiences of the person writing the letter are subject to the Fair Credit Reporting Act. [read post]
18 May 2019, 4:13 pm by Jeff Sovern
by Jeff Sovern The Wall Street Journal has reported that the College Board, providers of the SAT tests, will give colleges an adversity score for each applicant who takes the SAT to aid college in admissions decisions. [read post]
16 May 2019, 1:19 pm by Jeff Sovern
by Jeff Sovern That's the title of my latest essay for The Conversation, about how preemption of state privacy laws could harm consumers. [read post]
9 May 2019, 4:53 pm by Jeff Sovern
by Jeff Sovern Until 2015, when consumers submitted disputes to credit bureaus, the credit bureaus submitted the dispute to the creditor which had furnished the information, and if the creditor verified that the information was correct, the credit bureau reportedly would nearly always continue reporting the information in the consumer's credit report, despite the Fair Credit Reporting Act's direction to credit bureaus to conduct a reasonable reinvestigation in such… [read post]
3 May 2019, 1:29 pm by Jeff Sovern
by Jeff Sovern I wanted to know if the law reviews in elite schools that teach consumer law have published more consumer law articles in the last five years than law reviews in elite schools that don’t offer the course. [read post]