Here’s the announcement: NACA 2025 Consumer Law Summer Fellowship Program The National Association of Consumer Advocates (NACA) are seeking motivated law students to apply for our Summer Consumer Law Fellowship Program. Interested students should arrange an internship position, contingent on funding, with a Legal Services/ Public Interest Organization’s consumer law unit or a private consumer […]
The Consumer Financial Protection Bureau and the Federal Trade Commission this week issued their annual reporting of their debt collection activities. The CFPB, required under the Consumer Financial Protection Act to report to Congress annually on its activities to administer the Fair Debt Collection Practices Act, recounted its ongoing work on medical debt. Notably, in […]
Craig Cowie of Montana has written Creating Compliance Climates, 75 UC Law Journal (2024). Here’s the abstract: Relatively few regulated entities are the targets of enforcement activity or otherwise have direct contact with regulators. Given that absence of direct contact, this Article posits that regulators influence behavior by creating “compliance climates” that project regulators’ priorities into […]
Yesterday, I noted the Pennsylvania Supreme Court had agreed to hear a case involving browse-wrap arbitration agreements. Later in the day, the Seventh Circuit issued a decision concerning one such agreement, finding that a consumer and a home improvement had entered into a valid and enforceable agreement. Adopting case law from the 9th and 2nd […]
In July 2023, an intermediate appellate court in Pennsylvania decided Chilutti v. Uber Technologies. There, the court held that a so-called “browsewrap” arbitration agreement was invalid, and that two conditions are necessary to establish an unambiguous manifestation for assent to arbitration via a registration for a website: (1) explicitly stating on the registration websites and […]
Two consumers sued Experian after discovering the agency, was reporting an automobile loan as “discharged through bankruptcy,” when they had been making payments on the loan for years, and their attempts to correct the issue proved unsuccessful. For some reason, Experian responded by issuing sweeping discovery requests — including broad subpoenas issued to the law […]
The Consumer Financial Protection Bureau published a report this week finding Americans are paying tens of millions of dollars in fees to access their own money when getting “cash back” at large retail stores when making a purchase with a debit or prepaid card. These fees are occurring against the backdrop of bank mergers, branch […]
Care.com is an online platform that matches child and older adult caregivers with consumers looking to hire such caregivers. In a federal court complaint filed yesterday, the FTC alleges that Care systematically deceived caregivers who were looking for jobs while failing to give families seeking care a simple way to cancel their paid memberships, in […]
Since the Supreme Court’s decision in TransUnion LLC v. Ramirez, many consumers have been unable to obtain relief for violations of their statutory rights under the Fair Credit Reporting Act. Yesterday’s decision by the Sixth Circuit in Merck v. Walmart, Inc. is another case in that line. The plaintiff, Thomas Merck, had been extended a job […]
So reports PHILIP MARCELO of the Associated Press here. This isn’t the first time a company has changed course in an arbitration demand after adverse publicity. Wells Fargo had actually won a motion to send a case to arbitration arising out of its unauthorized account scandal back in 2016, before settling its class action for […]