Rosenbloom paper on the pervasive use of substitute attorneys in debt collection litigation

Alexa Rosenbloom of Harvard has written The Pervasive and Troubling use of Coverage Attorneys in Assembly-Line Litigation, 33 Geo. J. on Poverty L. & Pol’y (2026) (forthcoming). Here’s the abstract: Debt collection cases dominate state court civil dockets in Massachusetts and across the country. Extant scholarship regarding debt collection in the courts has focused on […]

Mark Budnitz: Consumers Using Stablecoins For Payments Face Greater Risks Than Those Using More Conventional Payment Methods

At the Consumer Policy Center. Here’s an excerpt from the announcement: In July 2025, a new congressional law [the so-called Genius Ac] purported to provide adequate consumer protections for this new payment method. Yet, according to a Consumer Policy Center (CPC) report issued today, the law includes far fewer protections than provided for other payment methods such […]

Third Circuit Holds TCPA Doesn’t Prohibit Legislators’ Robocalls

A Pennsylvania citizen sued Pennsylvania legislator Matthew Bradford under the TCPA, alleging that Bradford’s en masse automated phone calls sent to constituents violated the statute. A district court denied Bradford’s motion for summary judgment on the basis of Eleventh Amendment and/or qualified immunity.  Yesterday, the Third Circuit reversed— going beyond the question of immunity and […]

FTC’s defunct CARS Rule finds new life in California

California car buyers have new protections from too-common bait and switch car dealer tactics in a newly passed law signed yesterday by Gov. Gavin Newsom. Much of the law is modeled after the Federal Trade Commission’s Combating Auto Retail Scams (CARS) rule that the Fifth Circuit Court of Appeals vacated in January. The California CARS […]

Want to become a fellow of the American College of Consumer Financial Services Lawyers?

We received the following: The American College is now inviting nominations of outstanding lawyers who have achieved preeminence in consumer financial services law. Nominees must: Have 10+ years of experience practicing consumer financial services law; Have a U.S. consumer financial services law practice; Have achieved preeminence in the field through repeated and substantial contributions (e.g., […]

9th Circuit Holds Cantero Doesn’t Overrule its National Bank Act Preemption Cases

In 2024, the Supreme Court decided Cantero v. Bank of America, unanimously vacating the Second Circuit’s decision finding a New York law on interest on escrow accounts for home mortgage loans preempted  by the National Bank Act. At the same time, the Court granted, vacated, and remanded Kivett v. Flagstar Bank, a decision from the […]

En Banc Fifth Circuit Set to Neuter DOT’s Ability to Protect Consumers via Rulemaking

In 2024, the Department of Transportation issued a rule requiring airlines to disclose certain ancillary fees upfront when potential customers search for itineraries. Afraid that such transparency might cut into profits, the airline industry petitioned for review in the Fifth Circuit, which granted a stay pending appeal. In January 2025, a panel of the Fifth Circuit […]

Court trims challenge to CPSC guidance and commissioner statements re weighted blankets

Dreamland Baby, a manufacturer and seller of weighted sleep blankets and swaddles, sued the Consumer Product Safety Commission, former CPSC Commissioner Trumka, HHS, and two HHS subagencies based on (1) the CPSC’s “Safe Sleep” guidance, advising against the use of such blankets and swaddles for infants; and (2) statements by HHS and Commissioner Trumka about […]

Amazon to pay $2.5 billion to settle FTC claims re Amazon Prime signups

Last week, I posted about a Western District of Washington decision granting partial summary judgment to the FTC on claims against Amazon relating to the enrollment flow for Amazon Prime subscriptions. A trial began earlier this week on the remaining claims, but, today, the FTC announced a $2.5 billion settlement, including $1.5 billion to be […]