Under the Fair and Accurate Credit Transactions Act of 2003 (FACTA), retailers are prohibited from printing more than the last 5 digits of a credit card number or the expiration date on a purchase receipt. The law was enacted to combat identity theft, because receipts other could provide criminals with easy access to credit and […]
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Our readers will want to read the Ninth Circuit's decision in Blair v. Rent-A-Center, written by Circuit Judge William Fletcher. Judge Fletcher's intro paragraph sums up the decision nicely: In McGill v. Citibank, N.A., 393 P.3d 85 (Cal. 2017), the California Supreme Court decided that a contractual agreement purporting to waive a party’s right to […]
Following up on our post a few days ago about the petition by #REPRESENT asking the Federal Trade Commission to investigate "surveillance scoring" — where retailers use consumer information collected by data brokers to figure out how much to charge individual customers. Go here to read #REPRESENT's press release. And go here, here, and here […]
The question presented in this brand-new cert petition is Whether the vesting of substantial executive authority in the Consumer Financial Protection Bureau, an independent agency led by a single director, violates the separation of powers.
Various consumer and health groups – including the Consumer Federation of America, the American Institute for Cancer Research, the American Public Health Association, Breast Cancer Action, the Center for Science in the Public Interest, and the U.S. Alcohol Policy Alliance — have called for the following warning on alcohol beverage labels: GOVERNMENT WARNING: According to […]
On Tuesday, seven borrowers sued Education Secretary Betsy DeVos and the Department of Education after the agency failed to take action on their applications for relief from student loans. Under a 1995 law, the Department has authority to forgive the federal debt of students whose colleges defrauded them. The agency, however, has not approved or […]
A consumer-advocacy group as asking the Federal Trade Commission to investigate a practice where retailers use consumer information collected by data brokers to decide how much to charge individual customers. According to the petition submitted to the FTC by #REPRESENT, part of the Consumer Education Foundation, "[m]ajor American corporations, including online and retail businesses, employers […]
On Friday, the DC Circuit held that two groups of federal workers can move forward with class action lawsuits against the Office of Personnel Management (OPM) over a 2015 data breach that exposed the personal information of 22 million people.The district court had dismissed the case, holding that the plaintiffs lacked standing and had failed […]
The Federal Trade Commission has reportedly launched an investigation into YouTube after complaints from consumer groups and privacy advocates alleging that YouTube violates kids' privacy. The complaints contend that YouTube failed to protect kids who used the streaming-video service and improperly collected their data in violation of the Children’s Online Privacy Protection Act, a 1998 […]
Professors Brian Feinstein, Chen Meng, and Manisha Padi took a look at that question from one angle in State Attorneys General & Lender Behavior. Here is the abstract: The Dodd-Frank Act empowers state attorneys general to enforce, with limited exception, both state and federal laws concerning predatory lending, unfair and deceptive practices, information disclosure, and […]