Without his consent or knowledge, Robbin Ward’s daughter took out a lease in his name. She was later evicted for nonpayment, and the back-rent owed was transferred to a debt collector. The debt collector reported the debt to credit agencies, who noted it on Mr. Ward’s credit report. Mr. Ward disputed the debt claiming identity […]
Retired Chief Judge Susan G. Braden, formerly of the United States Court of Federal Claims, has written Quo Vadis—Federal Trade Commission? She argues that the Department of Justice should absorb the FTC. The paper was written before the Court decided Trump v. Slaughter but it anticipated the result. This proposal reminds me of how the […]
A federal court’s consideration of the Consumer Financial Protection Bureau’s plan to lay off employees is temporarily delayed pending the nomination of a new director. More than a year ago, the National Treasury Employees Union sued the CFPB’s Acting Director Russell Vought and others, seeking to halt the rushed attempt to mass fire employees and […]
Section 227(c)(5) of the Telephone Consumer Protection Act (TCPA) provides a private right of action for any “person who has received more than one telephone call within any 12-month period by or on behalf of the same entity in violation” of FTC regulations related to “residential telephone subscribers’ privacy rights to avoid receiving telephone solicitations […]
Online and in person at GW Law on August 3 from 9:00 to 12:30 with an all-star lineup of speakers. Registration is free. More information here.
For those who haven’t had the fortune of trying to find a rental apartment in New York City, there has long been a system of “brokers’ fees”, where the *renter* is required to pay a broker a fee, often equal to one months’ rent, in order to obtain an apartment, which was negotiated by the […]
Mark Bartholomew of Buffalo and Samuel Becher of the City University of Hong Kong have written a short opinion piece for the Regulatory Review: Consumer Protection Law Was Not Built for Robot Shoppers. Here are the first and last paragraphs: Imagine waking up to find that, while you slept, an artificial intelligence (AI) shopping agent […]
It’s not the biggest issue at the CFPB, but I really miss the old days of transparency. It’s hard to have any accountability if you don’t know what’s going on–or these days, not going on. This week, for the first time since he took over, Acting CFPB Director Vought will testify before Congress about the […]
The New Jersey Consumer Finance Licensing Act (CFLA) requires consumer lenders to obtain a license, and provides that if a lender violates that provision “in the making or collection” of a loan, the loan contract “shall be void” and the lender “shall be guilty of a crime of the fourth degree.” In a unanimous opinion […]