Author Archives: Jeff Sovern

Nancy S. Kim on Wrap Contracts

Nancy S. Kim of California Western has written Exploitation by Wrap Contracts — Click 'Agree', 39 California Bar IP Journal, no. 2, pp. 10-17 (2014). Here is the abstract: A spate of news articles involving online agreements has made headlines recently.  They provide cautionary tales of the brave new world of wrap contracts where unwitting users […]

Dee Pridgen on Notable New Mexico Signature Loan Case

My co-author, Dee Pridgen of Wyoming, took time out from updating her treatise to report on a recent New Mexico decision, State ex rel King v. B&B Investment Group, Inc., 2014 WL 2893304 (N.M. June 26, 2014). Here's her comment: In the case, the State AG successfully sued a “signature loan” company that was selling small […]

Videos Educate Consumers Being Sued for Debt Collection

by Jeff Sovern Here.  The New Media Advocacy Project (N-Map) and Fordham Law School’s Feerick Center for Social Justice in conjunction with MFY Legal Services, Inc., and Pro Bono Net, along with other organizations, have created a series of short, animated videos to help consumers being sued in debt collection cases.  I watched a couple […]

Hartzog & Solove on the FTC and Data Protection

Woodrow Hartzog of Samford's Cumberland School of Law and Stanford's Center for Internet and Society and Daniel J. Solove of George Washington have written The Scope and Potential of FTC Data Protection, 83 George Washington Law Review (2015, Forthcoming).  Here is the abstract: For more than fifteen years, the Federal Trade Commission (FTC) has regulated privacy […]

More From Mullenix on Aggregate Litigation

On Monday, Brian posted a link to Linda Mullenix's article, Ending Class Actions as We Know Them.  But Professor Mullenix has more thoughts on aggregate litigation, appearing in Reflections of a Recovering Aggregationist, 15 U. Nev. L. Rev., (2014 Forthcoming).  Here's the abstract: The past fifty years have experienced a radical reformation of civil litigation in […]

Stark et al. Article on Reverse Mortgages

Debra Pogrund Stark of John Marshall, Jessica M. Choplin a DePaul psychologist, Joseph A. Mikels, also a DePaul psychologist, and Amber Schonbrun McDonnell have written Complex Decision-Making and Cognitive Aging Call for Enhanced Protection of Seniors Contemplating Reverse Mortgages, 46 Arizona State Law Journal (2014).  Here is the abstract: This article explains what reverse mortgages […]

The Hill: House rebuffs bid to limit congressional review of CFPB

by Jeff Sovern Here.  To see why it is important to keep the CFPB's budget out of the appropriations process (just as with the other bank regulators), here's an excerpt from one of our posts from 2011 (the more things change, . . . ): To see why this matters, you have only to read New […]

De Armond on FCRA Preemption and State Regulation of Credit Reports

Elizabeth De Armond of Chicago-Kent has written Preventing Preemption: Finding Space for States to Regulate Consumers’ Credit Reports.  Here is the abstract: The Great Recession awoke state legislators to the power of individuals’ credit reports to hinder economic opportunities.  Many legislators would like to assuage the effects of bad historical events on the futures of […]