FTC issues ANPRM on impersonation scams

A fact pattern has been occurring more and more in the last few years.  A consumer uses Google or another search engine to find a government agency or business’s phone number, and calls the first number that shows up asking for assistance, without realizing that number is not actually for the agency or business they […]

Consumer law publication opportunity for 2Ls

We received the following announcement: The Conference on Consumer Finance Law (CCFL) invites second year law students to submit abstracts for consideration in an upcoming issue of the Consumer Finance Law Quarterly Report (CFLQR). This initiative is designed to foster emerging scholarship in consumer finance law by pairing selected students with experienced practitioners and scholars […]

Applying Safeco defense, Ninth Circuit splits on what it means to “initiate” a business transaction under the FCRA

The Fair Credit Reporting Act allows persons to access a consumer’s credit report it they have a “legitimate business need for the information . . . in connection with a business transaction that is initiated by the consumer.” 15 U.S.C. § 1681b(a)(3)(F). In a case decided by the Ninth Circuit today in Bultemeyer v. CenturyLink, […]

Mass. AG bans illegal debt collectors, secures $52M in debt relief for residents

In an era where the federal Consumer Financial Protection Bureau has abandoned its consumer protection mission, state attorneys general are determined to carry out theirs. This week, for example, Massachusetts AG Andrea Joy Campbell announced a final consent judgment against debt collectors, debt buyers, and their owners. The judgment reportedly will provide $52 million in […]

Interview with former CFPB officials on where the CFPB should go now

At Ballard Spahr’s Consumer Finance Monitor podcast. The former officials are Jason Brown, former CFPB Assistant Director for Research and now a visiting fellow at the Brookings Institution, and David Silberman, former Acting Deputy Director and longtime Associate Director for Research, Markets and Regulation.

Is public ranting at Daniel DeSouza a sensible response to a CopyCat Legal demand letter?

This is a tale of excess. It begins with a demand letter from CopyCat Legal over the signature of its only partner, Daniel DeSouza, threatening to sue Charles Peralo for the use of fourteen celebrity photographs on his various vlogs about those celebrities unless Peralo promptly paid $282,500 as a settlement. In a series of […]