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Scott Michelman
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...reports Bloomberg Business. A recent decision by the Second Circuit (on which the court this month rejected a motion to reconsider) restricts the so-called marketplace lenders from bypassing state usury laws by partnering with banks in states where there are... Continue reading
Posted yesterday at CL&P Blog
As reports, in a recent case in federal court in northern California, Officials sought the right to track suspects' Cell Site Location Information, or CSLI, for 60 days without gaining a warrant. Such location information lets law enforcement track... Continue reading
Posted yesterday at CL&P Blog the title of a Post op-ed questioning whether federal student loan assistance is most wisely allocated toward grad schools. The piece questions, in particular, low-rate loans for law students: Nowhere has Grad PLUS [the government's loan assistance program for... Continue reading
Posted 2 days ago at CL&P Blog
The city is D.C., according to the Washington Post. The reason? The high cost of childcare. According to the article, childcare "can be as expensive as housing in some parts of the country." Here's the story, which breaks down cost... Continue reading
Posted 2 days ago at CL&P Blog
As we've discussed previously, almost exactly a year ago Public Citizen sued on behalf of Wisconsin consumer Cindy Cox after employees of an online retailer called Accessory Outlet threatened her with fines and derogatory credit reporting for saying that she... Continue reading
Posted 3 days ago at CL&P Blog
The Washington Post yesterday published an eye-opening expose concerning the practice of buying monetary settlements for lead poisoning from the victims for a fraction of what they are worth -- as little as 9 cents on the dollar. As the... Continue reading
Posted 3 days ago at CL&P Blog
The FTC sued Wyndham Worldwide (the company that operates Wyndham Hotels) for unfair and deceptive trade practices under the FTCA after Wyndham sustained data breaches in 2008 and 2009 leading to more than $10.5 million in fraudulent charges to consumers.... Continue reading
Posted 4 days ago at CL&P Blog
We've covered before the ongoing fight over employers' responsibility to provide insurance that covers contraception, a mandate that some employers argue violates their religious beliefs. The opening of the argument in the Solicitor General's brief in opposition to certiorari in... Continue reading
Posted 5 days ago at CL&P Blog
As NPR reports, a number of presidential candidates have been proposing, to enthusiastic reception, that students be permitted to refinance their student debt in the same manner mortgage borrowers can refinance their home loans. But is this the best policy?... Continue reading
Posted Aug 21, 2015 at CL&P Blog
We've mentioned before that Alaska is among the latest states to join a slow but steady trend toward accepting the Medicaid expansion enacted as part of the Affordable Care Act but rendered optional by the Supreme Court's 2012 ruling on... Continue reading
Posted Aug 20, 2015 at CL&P Blog the title of this thoughtful NYT piece, which considers the difficult balance doctors must strike in helping patients manage debilitating pain while avoiding feeding addition. The quote sums it up well: A 2011 report from the Institute of Medicine... Continue reading
Posted Aug 19, 2015 at CL&P Blog
The court explained: The crux of the Plaintiffs’ complaints is that when someone uses a non-bank ATM, the cardholder pays a greater fee and the ATM operator earns a lower return on each transaction because of certain Visa and MasterCard... Continue reading
Posted Aug 17, 2015 at CL&P Blog
Beryllium, a known carcinogen, is used in the construction industry, electronics manufacturing, and the nuclear energy industry, among others. Public Citizen estimates that 23,000 construction workers come into contact with beryllium daily. Last week, fourteen years after Public Citizen first... Continue reading
Posted Aug 14, 2015 at CL&P Blog
We’ve discussed several times (see for instance here and here) an issue that’s been percolating in the courts of appeals the last few years and which has been taken up by the Supreme Court for the coming Term in the... Continue reading
Posted Aug 13, 2015 at CL&P Blog
...pretty much sums it up. This policy, announced last week, will hopefully spur other employers toward better policies. Reuters has the story, which notes that the national norm for paid parental leave is only a month. Continue reading
Posted Aug 12, 2015 at CL&P Blog the title of this eye-opening piece in the Washington Post about what the FTC is seeking to learn from hackers about data privacy. As the Post reports, FTC Commissioner Terrell McSweeny and the agency's chief technologist Ashkan Soltani are... Continue reading
Posted Aug 10, 2015 at CL&P Blog the subject of a pending cert. petition to the Supreme Court, reports Ars Technica (here). The issue is whether law enforcement's use of cell phone data to locate a person is subject to the privacy protections of the Fourth... Continue reading
Posted Aug 7, 2015 at CL&P Blog
A Pew report from earlier this summer investigates the use of prepaid cards -- who uses them, and how, and what regulation might be needed. The report found a huge rise in use. More specifically: "The report finds that many... Continue reading
Posted Aug 7, 2015 at CL&P Blog
...comes to an end tonight with his last episode hosting the show. In addition to covering issues of war and peace, politics, and the media, Jon Stewart has frequently covered issues of importance to consumers. If you're feeling nostalgic for... Continue reading
Posted Aug 6, 2015 at CL&P Blog the question posed in today's piece from NPR's Morning Edition today. The story covers a new partnership between Yelp and ProPublica to integrate ProPublica data into Yelp doctor reviews. One of the difficulties in Yelp reviews of doctors is... Continue reading
Posted Aug 6, 2015 at CL&P Blog
In 2009, New York City expanded its regulation of debt collectors to include "a buyer of delinquent debt who seeks to collect such debt either directly or through the services of another by, including but not limited to, initiating or... Continue reading
Posted Aug 6, 2015 at CL&P Blog
The Bureau's release explained yesterday that it is: filing [] a lawsuit in federal district court against the NDG Enterprise, a complex web of commonly controlled companies, for collecting money consumers did not owe. The CFPB alleges that the defendants... Continue reading
Posted Aug 5, 2015 at CL&P Blog
This non-profit organization, which brings together consumer organizations (such as Consumer Federation of America and National Consumers League), governments and insurance organizations, aims to educate the public and expose fraud. Now it's launched a podcast, with the first three episodes... Continue reading
Posted Aug 5, 2015 at CL&P Blog
Last week, a government report documented the underperformance of the federal Home Affordable Modification Program, which began in 2009 amidst great hope that it would be a big help for underwater homeowners. It hasn't worked out that way. According to... Continue reading
Posted Aug 4, 2015 at CL&P Blog the concerning headline of a story last month from the website The Street. The story opens with the tale of one employee and her loan: Payday loans come in small amounts, but the $300 loan cost her $355. Based... Continue reading
Posted Aug 4, 2015 at CL&P Blog