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Brian Wolfman
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Guest post by Stephen Raher Each year, over 12 million people are released from jails and prisons in the United States. When this happens, the correctional facility often owes money to the person being released. This could be money that... Continue reading
Posted Mar 19, 2015 at CL&P Blog
In the Credit CARD Act of 2009 Congress sought to tame what it viewed as excesses of the credit-card industry. Go here to view the Act's basic reforms. Since the law went into effect about five years ago, commentators and... Continue reading
Posted Mar 17, 2015 at CL&P Blog
As our readers know, the Consumer Financial Protection Bureau just issued its DoddFrank-mandated study on consumer arbitration. The CFPB has announced that on Thursday, April 2, 2015, it will conduct a "roundtable" on the topic. If you want to attend... Continue reading
Posted Mar 11, 2015 at CL&P Blog
Many posts on this blog have noted the difficulty in achieving consumer protection through disclosure (including disclosure through product labeling). If that interests you, you may want to read Science-Based Food Labels: Improving Regulations and Preventing Consumer Deception Through Limited... Continue reading
Posted Mar 11, 2015 at CL&P Blog
That's the name of this article by Peter Whoriskey. Note in particular the long list of "unnatural" ingredients at the end of the article that find their way into foods advertised as "natural." [HT to Michele Simon] Continue reading
Posted Mar 10, 2015 at CL&P Blog
Posted Mar 10, 2015 at CL&P Blog
This article by Max Ehrenfreund and Sandhya Somashekhar explains that, according to a new Congressional Budget Office report, the Affordable Care Act is costing taxpayers less than expected because of lower medical spending costs, which in turn will reduce the... Continue reading
Posted Mar 10, 2015 at CL&P Blog
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Read the agency's fact sheet and the full report. Here's what the CFPB had to say about its study: Today, the Consumer Financial Protection Bureau released a study indicating that arbitration agreements restrict consumers’ relief for disputes with financial service... Continue reading
Posted Mar 9, 2015 at CL&P Blog
About a year ago, we posted about the electric-car company Tesla, which wants to sell cars directly from its stores to consumers, and efforts by car dealers to interfere with Tesla's business model on, you guessed it, consumer-protection grounds. Our... Continue reading
Posted Mar 4, 2015 at CL&P Blog
As many of our readers know, as required by the Dodd-Frank financial reform legislation, the Consumer Financial Protection Bureau is conducting a study of arbitration as a dispute-resolution mechanism for matters with the Bureau's regulatory reach. After the study, the... Continue reading
Posted Feb 24, 2015 at CL&P Blog
Though the definition varies (go here), a patent troll generally is thought of as a person or entity that buys patents and then enforces the patents through litigation against accused infringers to collect licensing fees. The troll has no intent... Continue reading
Posted Feb 23, 2015 at CL&P Blog
Law professors Anthony Casey and Eric Posner attempt to answer that question in A Framework for Bailout Regulation. Here is the abstract: During the height of the financial crisis in 2008 and 2009, the government bailed out numerous corporations, including... Continue reading
Posted Feb 23, 2015 at CL&P Blog
That's the title of this article by law professor Einer Elhauge. Here's his to-the-point abstract: The recent US Supreme Court decision in American Express v. Italian Colors Restaurant threatens to gut private antitrust enforcement in the United States by replacing... Continue reading
Posted Feb 12, 2015 at CL&P Blog
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Last year, 16 car manufacturers responded to questions from Senator Edward Markey (D-Mass.), pictured to the right, concerning whether their vehicles are vulnerable to hackers and how the companies collect and protect driver information. Senator Markey's office has now reviewed... Continue reading
Posted Feb 10, 2015 at CL&P Blog
To quote the Consumer Financial Protection Bureau's press release: [T]he Consumer Financial Protection Bureau and the U.S. Department of Education announced more than $480 million in forgiveness for borrowers who took out Corinthian College’s high-cost private student loans. ECMC Group,... Continue reading
Posted Feb 3, 2015 at CL&P Blog
The Consumer Financial Protection Bureau has this on-line interactive tool for estimating what a consumer should pay for a home mortgage. Plug in loan type, amount, length, down payment, FICO credit score, location, etc., and the tool spits out the... Continue reading
Posted Feb 2, 2015 at CL&P Blog
That's the title of this article by Anahad O'Connor. Here's an excerpt: Companies are increasingly adding vitamins and minerals to juices, sports drinks and bottled water, responding to a growing consumer demand for these products. Even though the amounts of... Continue reading
Posted Jan 30, 2015 at CL&P Blog
King v. Burwell is the case currently before the Supreme Court that asks whether the Affordable Care Act (ACA) authorizes health-care insurance subsidies for all otherwise qualified people nationwide or only for people who live in states that run their... Continue reading
Posted Jan 28, 2015 at CL&P Blog
President Obama has proposed increasing taxes on high-income people as part of the package of tax code changes rolled out in his State of the Union address. Which efforts to obtain more revenue from wealthy and/or high-income people are practical... Continue reading
Posted Jan 27, 2015 at CL&P Blog
That's the question posed by law professor and writer Garrett Epps in this article about Wednesday's Supreme Court oral argument (and the issues raised by it) in Texas Department of Housing and Community Affairs v. The Inclusive Communities Project, Inc.... Continue reading
Posted Jan 23, 2015 at CL&P Blog
Check out Meredith v. CVS Health, a lawsuit just filed in California state court. The suit alleges that CVS promotes a nutritional supplement to help treat or prevent macular degeneration based on a National Institutes for Health study, even though... Continue reading
Posted Jan 14, 2015 at CL&P Blog
In Safe Banking, law professor Adam Levitin talks about this: Banking is based on two fundamentally irreconcilable functions: safekeeping of deposits and relending of deposits. Safekeeping is meant to be a risk-free function, but using deposits to fund loans inevitably... Continue reading
Posted Jan 9, 2015 at CL&P Blog
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Here's what the Food and Drug Administration just said about so-called dietary supplements and foods claimed to promote weight loss: If you find yourself making this common New Year’s resolution, know this: many so-called “miracle” weight loss supplements and foods... Continue reading
Posted Jan 6, 2015 at CL&P Blog
The Department of Justice's Consumer Protection Branch is looking to hire lawyers to enforce the Nation's consumer laws. And because enforcement of those laws is a frequent topic of this blog, it seemed sensible to post the announcements here. The... Continue reading
Posted Dec 19, 2014 at CL&P Blog