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Jon Sheldon
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A March 2017 report by the Consumer Financial Protection Bureau sets out serious problems uncovered by examinations at the Big Three consumer reporting companies (Experian, TransUnion, and Equifax) and details significant new reforms that these companies must implement to protect... Continue reading
Posted Mar 9, 2017 at CL&P Blog
Policy solutions to help consumers whose credit histories were negatively effected by the Great Recession and the foreclosure crisis. Continue reading
Posted Jan 15, 2014 at CL&P Blog
New NCLC survey finds that none of the U.S. state's property exemption laws meet basic standards so that debtors can continue to work productively to support themselves and their families. States’ archaic exemption laws fuel the fast-growing debt buyer industry which churns out old and often poorly documented judgments that abuses the court system. Recommendations for reform are included. Continue reading
Posted Oct 10, 2013 at CL&P Blog
Overdraft fees and abuses have spiraled out of control, snaring millions of consumers while generating billions in profits for banks. A new white paper by the National Consumer Law Center explains the legal avenues the Consumer Financial Protection Bureau (CFPB) can use to restore the standard of “reasonableness” to overdraft fees. Continue reading
Posted May 1, 2013 at CL&P Blog
The National Consumer Law Center's new report, The Other Foreclosure Crisis: Property Tax Lien Sales by NCLC attorney John Rao, urges state and local governments to reform property tax lien laws to safeguard vulnerable homeowners from foreclosure while still bringing in needed tax revenue. Continue reading
Posted Jul 18, 2012 at CL&P Blog
This update lists NCLC’s new reports, webinars, our conference, and other practice tools: 1. FTC releases important Advisory Opinion on its rule Preservation of Consumer Claims and Defenses, strengthening the ability of consumers to get affirmative recoveries from assignees and... Continue reading
Posted May 25, 2012 at CL&P Blog
On May 10, 2012, the Federal Trade Commission (FTC) issued an advisory opinion affirming that consumers retain certain important rights under the FTC Rule on the Preservation of Consumers’ Claims and Defenses (16 CFR § 433). The opinion was requested by the National Consumer Law Center (NCLC), and joined by Public Citizen, U.S. PIRG, the Center for Responsible Lending, and the National Association of Consumer Advocates. Continue reading
Posted May 11, 2012 at CL&P Blog