Case About Virignia Freedom of Information Act “Citizens-Only” Restriction to be Argued Today in the Supreme Court

This morning the Supreme Court will hear argument in McBurney v. Young, which presents the question whether under the Privileges and Immunities Clause of Article IV and the dormant Commerce Clause of the United States Constitution a state may limit the right of access to the state's public records to its own citizens. We have […]

Big Tobacco and Anti-Tobacco Team Up Against Health Care Act Smokers’ Surcharge

In this article, Sarah Kliff explains that the big tobacco companies and certain anti-cancer groups are allied against a provision in the Affordable Care Act that allows health insurers to charge 50% higher premiums to smokers. (In real terms, the 50% smokers' surcharge could be much higher because the Act also bars government subsidies to […]

More on the FTC’s Study of the Credit Reporting Industry

We've posted ( here, here, and here) several times on the new FTC study on the credit reporting industry showing that millions of Americans' credit reports are wrong, many seriously wrong. Now, take a look at this piece by David Lazarus. It provides a couple examples of how faulty credit reports harm consumers. He also suggests […]

Do Car Rental Companies Charge Customers for Vehicle Damage that the Customers Didn’t Cause?

That's the topic of this article by consumer journalist and advocate Christopher Elliot. The article caught my eye for two reasons. First, it's fairly in-depth consumer journalism that used to be commonplace. The writer investigates and reports on a possible consumer rip-off, suggesting what might be done about it and, in the meantime, warning consumers […]

A Journalist Writes About His Experiences as a Debt Collector

by Jeff Sovern Back in 2008, Fred Williams, a reporter for the Buffalo News who had written stories about debt collectors, worked as a debt collector for an upstate New York debt collection firm.  Williams was not exactly undercover–he disclosed that he had written the stories–but it sounds as if he was treated as any […]

The Affordable Care Act’s Medical Loss Ratio Rule’s Application to Medicare Advantage and Prescription Drug Plans

One of the key components of the new Affordable Care Act is its medical loss ratio rule. The rule seeks to control health care costs by requiring medical insurers who don't spend at least 80 to 85 percent of their premium earnings on health care — rather than on marketing and administrative expenses — to […]

An astonishing arbitration decision in an age of astonishing arbitration decisions

Why do courts enforce mandatory arbitration clauses? Because the contracting parties agreed to them, the courts tell us. Not this time. A Florida intermediate appellate court held earlier this month that an arbitration clause was enforceable in a wrongful death suit against a rehabilitation center even though Jessie Holloway, the 92-year-old woman who signed the […]