Uniform Wage Garnishment Law Proposed

The Uniform Law Commission has proposed its "Wage Garnishment Act." The Commission notes: Currently, every state has a different wage garnishment law and process. This means that employers who do business across multiple states must know and abide by a different, and often complex, law for each jurisdiction. If employers make processing errors calculating garnishments, […]

Some First Thoughts on What the Election Means for the Consumer Financial Protection Commission

by Jeff Sovern It looks like the Republicans have captured the presidency and both houses of Congress, but that the Democrats will retain enough Senate seats to use the filibuster to block legislation, assuming the filibuster rules don't change.  Filibusters cannot be used to prevent confirmation of most presidential nominees, but can still be used […]

ProPublica: Facebook Lets Advertisers Exclude Users by Race

Here.  For example, advertisers can specify that their housing ads not be shown to African-Americans, Asian-Americans, Hispanics, etc., in apparent violation of various laws.  HUD is now reported to be looking into the matter, and a class action suit has been filed. It is not clear from the story whether the option is limited to […]

Mississippi District Judge Enjoins CMS Arbitration Rule

In an opinion and order issued today, U.S. District Judge Michael Mills of the Northern District of Mississippi issued a preliminary injunction blocking enforcement of the CMS rule barring the use of predispute arbitration agreements by nursing homes that participate in the Medicare and Medicaid programs. The court did not definitively hold the rule unlawful, but found it […]

Man Spends $100,000 to Arbitrate $150 in Citibank Overdraft Fees

CBS MoneyWatch has the story here. (HT: Gregory Gauthier).  Excerpt: While the arbitrator sided with Dempsey, the ruling proved to be something of a Pyrrhic victory. The decision awarded Dempsey more than $20,500 in actual and punitive damages, as well as $30,000 in attorney fees, or about one-third of Dempsey’s legal costs. Since Citibank has […]

Kathleen Engel Article: Local Governments and Risky Home Loans

Just in time for the Supreme Court's oral argument on Tuesday in Wells Fargo v. Miami, Suffolk's Kathleen Engel, an important thinker on consumer law, has written Local Governments and Risky Home Loans, 69 Southern Methodist University Law Review 609.  Here is the abstract: Municipalities from the Central Valley in California to Upstate New York bear the […]

Sebok Article: The Unwritten Federal Arbitration Act

Anthony J. Sebok of Cardozo has written The Unwritten Federal Arbitration Act, 65 DePaul Law Review (2016).  Here's the abstract: Justice Scalia’s opinion in AT&T Mobility LLC v. Concepcion presented a new challenge to lawyers and scholars concerned with the unbridled growth of mandatory consumer arbitration. Not only did the decision continue to expand the scope […]

CFPB and New York attorney general’s office file case against “massive, illegal debt-collection scheme”

Consumerist reports: A large, nationwide debt-collection operation that allegedly brought in tens of millions of dollars through illegal means — like impersonating law-enforcement officers, or threatening arrest for non-payment — is the target of a joint legal action by the Consumer Financial Protection Bureau and the New York state attorney general. The article is here. […]