Another challenge to debtors’ prison practice, this time in Ferguson

Two weeks ago, we told you about a lawsuit challenging a Georgia county's practice of imprisoning individuals who could not pay court fees. Now, another lawsuit has been filed in the same vein. The location happens to be Ferguson, Mo., which in 2013 "collected $2.6 million in court fines and fees, mainly on traffic violations […]

Paper on Food and Beverage Marketing to Youth

Andrew Cheyne, Pamela Mejia, Laura Nixon, and Lori Dorfman, all of the Berkeley Media Studies Group, have written Food and Beverage Marketing to Youth, Current Obesity Reports, September 2014. Here's the abstract: After nearly a decade of concern over the role of food and beverage marketing to youth in the childhood obesity epidemic, American children […]

Ronald Mann on Whether Payday Loan Defaults Matter

Ronald J. Mann of Columbia has written Do Defaults on Payday Loans Matter?  Here's the abstract: This essay examines the effect on a borrower’s financial health of failure to repay a payday loan. Recent regulatory initiatives suggest an inclination to add an “ability to pay” requirement to payday-loan underwriting that would be fundamentally inconsistent with […]

Arbitration Statistics: About One Consumer in a Thousand Opts Out

by Jeff Sovern Some arbitration clauses provide that consumers can opt out of arbitration if the consumer writes to the company within a certain period of time of entering into the agreement, typically 30-60 days after opening the account. In our arbitration study, we observed that we didn't know how many consumers had taken advantage […]

GOP Senator Tilles Opposes Laws Requiring Restaurant Employees to Wash Hands

by Jeff Sovern So MSNBC reports here. Here's a quote: Tillis replied: “I don’t have any problem with Starbucks if they choose to opt out of [the hand-washing] policy as long as they post a sign that says ‘We don’t require our employees to wash their hands after leaving the restroom.’”  Instead, Tillis believes that […]

Rent-to-Own Now Available at Kiosks

by Jeff Sovern RTO kiosks are, as far as I know, a new way to buy/rent goods. In the past, stores specialized in rent-to-own financing/renting, where consumers could agree to rent an item and make payments (typically weekly) for the item until they had purchased it, or alternatively chose to surrender it.  RTO businesses, unregulated by Truth […]

Business groups push for loosening of telemarketing rules

Business groups such as the Chamber of Commerce are pushing the Federal Communications Commission to loosen standards under the Telephone Consumer Protection Act — the law that bars unwanted telemarketing calls and junk faxes. If the groups are successful, the result, say consumer advocates, would be more robocalls calls coupled with more difficultly suing for […]