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Scott Michelman
Recent Activity
The Hill reports that on a party-line vote, "[t]he Senate Budget Committee added an amendment to the GOP budget that would subject the agency’s budget to the congressional appropriations process. Currently, the CFPB receives its funding directly from the Federal... Continue reading
Posted yesterday at CL&P Blog
Seeking to help consumers avoid becoming trapped in a cycle of debt, the CFPB announced today that it is considering new rules that would require payday lenders to take steps to make sure that borrowers can repay their loans. The... Continue reading
Posted yesterday at CL&P Blog
Two weeks ago, we flagged an NPR piece about the dangers of transporting oil by rail. Very glad to see that we're not the only ones concerned. Today, Sen. Maria Cantwell of Washington will introduce federal legislation to prevent oil... Continue reading
Posted 2 days ago at CL&P Blog
Commentator Nicholas Kristof has never been a fan of unions, but in this New York Times op-ed, he explains, he’s changed his mind about them. Why? In Kristof’s words: I’m as appalled as anyone by silly work rules and $400,000... Continue reading
Posted 2 days ago at CL&P Blog
Last week the Department of Health and Human Services (which includes the Food and Drug Administration) announced it would curtail the controversial practice of including "lost pleasure" as a "cost" of health regulations when it does a cost/benefit analysis of... Continue reading
Posted 3 days ago at CL&P Blog
Last month, we told you about the CFPB's settlement with Corinthian Colleges over its debt-collection practices and advertising practices, among other things. Last week, NPR's "Here and Now" reported on a debt strike by fifteen students of Corinthian Colleges who... Continue reading
Posted 4 days ago at CL&P Blog
The agency announced yesterday that it would enable consumers to share their issues regarding financial products and services directly with the public, via the CFPB's Consumer Complaint Database. The database has accepted complaints for almost three years, but under the... Continue reading
Posted 7 days ago at CL&P Blog
Two interesting pieces on this ever-pressing subject, one short and one long. The short one is from Nate Silver's incisive fivethirtyeight.com, where an article invites you in its title to "Meet The 80 People Who Are As Rich As Half... Continue reading
Posted Mar 19, 2015 at CL&P Blog
In an encouraging sign that courts are taking health and safety seriously in the neighborhood context, the D.C. Superior Court has issued an injunction against a man whose smoking fills his neighbors’ home with smoke, which has woken them up... Continue reading
Posted Mar 18, 2015 at CL&P Blog
This multi-part series is well worth a read. Here's a flavor from the summary: Debt collection horror stories are nothing new. But there's a whole other side to the industry that no one’s talking about: collectors hired by government agencies... Continue reading
Posted Mar 16, 2015 at CL&P Blog
...is the lesson of this informative interview from NPR's Fresh Air, which explains why it's risky to transport oil long distances in rail cars designed in the 1960s for non-flammable products. Forty-seven people were killed when flaming oil from a... Continue reading
Posted Mar 11, 2015 at CL&P Blog
The D.C. Court of Appeals has ruled that under District law, a decision enforcing an arbitration clause is immediately appealable. This ruling, based on a D.C. arbitration reform law from 2007, corrects a pro-arbitration imbalance that had previously existed in... Continue reading
Posted Mar 11, 2015 at CL&P Blog
Today a broad group of educational, legal, human rights, and media organizations sued the NSA over what it calls "Upstream surveillance," under which, the complaint alleges, the NSA vacuums up for review all data that travels across the internet, regardless... Continue reading
Posted Mar 10, 2015 at CL&P Blog
Last Friday, the administration released a "discussion draft" of potential legislation to protect consumer privacy. CDT provides a helpful roadmap to the draft here. Today a coalition of consumer privacy groups (including CDT) responded with a letter asking the administration... Continue reading
Posted Mar 3, 2015 at CL&P Blog
Read this article from Wired.com about automakers’ lack of attention to the security of their cars’ systems, and the investigation of Sen. Edward Markey of Massachusetts into the problem. Continue reading
Posted Mar 2, 2015 at CL&P Blog
Sen. Warren's op-ed in the Post this week is a must-read, and a must-share: it explains how our country's consumer, worker, and environmental protection laws could be undermined by a dispute-resolution clause in the TPP, currently being negotiated. More generally,... Continue reading
Posted Feb 27, 2015 at CL&P Blog
NPR reports: The Federal Communications Commission approved the policy known as net neutrality by a 3-2 vote at its Thursday meeting, with FCC Chairman Tom Wheeler saying the policy will ensure "that no one — whether government or corporate —... Continue reading
Posted Feb 26, 2015 at CL&P Blog
We've discussed before the fight between federal regulators and airbag manufacturer Takata over whether the company would issue a nationwide recall on defective airbags. The confrontation is escalating. As the New York Times reported Friday: federal regulators said on Friday... Continue reading
Posted Feb 24, 2015 at CL&P Blog
The latest Obamacare challenge, now pending before the Supreme Court, could if successful cost the states a lot of money. How much? Read the Post's analysis, complete with a state-by-state breakdown and a discussion of its possible implications for the... Continue reading
Posted Feb 19, 2015 at CL&P Blog
At a hearing on Capitol Hill last week, lawmakers from both parties expressed interest in exempting small banks and credit unions from new financial rules, reported the Wall St. Journal. But there must be a limit, warned two of the... Continue reading
Posted Feb 18, 2015 at CL&P Blog
California law caps at 30% the interest rate on loans of $2500 or less. So what did lender CashCall do? It made every loan -- no matter how small -- into a loan of $2600 or more, by having low-dollar... Continue reading
Posted Feb 16, 2015 at CL&P Blog
That last summer's decision in Hobby Lobby wasn't the end of the legal fight over what health care coverage the government could require businesses asserting religious objections to provide for their employees became clear just three days after the Hobby... Continue reading
Posted Feb 16, 2015 at CL&P Blog
California is considering enacting a new law protecting its citizens from warrantless spying. The proposed California Electronic Communications Privacy Act has bipartisan backing, along with support from major tech companies and civil liberties groups. Read more here from Top Tech... Continue reading
Posted Feb 10, 2015 at CL&P Blog
In a case we've discussed before about the wage/hour claims of a class of Applebee's workers, the Second Circuit today delivered an important victory today for class-action plaintiffs. The court held that the Supreme Court's 2013 decision in Comcast v.... Continue reading
Posted Feb 10, 2015 at CL&P Blog
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.,... Continue reading
Posted Feb 9, 2015 at CL&P Blog