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Mike Landis
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Yesterday, Tara Siegel Bernard of the New York Times published a story providing an update on the claims process in the Equifax data breach litigation. The deadline to file initial claims was January 22, 2020. She reports that as of... Continue reading
Posted Jan 23, 2020 at Consumer Law & Policy Blog
Yesterday, a unanimous panel of the U.S. Court of Appeals for the Seventh Circuit issued an opinion in Nelson v. Great Lakes Educational Loan Services, Inc. in which it concluded that the federal Higher Education Act (HEA) does not preempt... Continue reading
Posted Jun 28, 2019 at Consumer Law & Policy Blog
Reporter Renae Merle has a story up at the Washington Post about the debt collection rules that the CFPB is expected to unveil “in a few weeks.” The story was prompted, in part, by a recent speech given by CFPB... Continue reading
Posted Apr 17, 2019 at Consumer Law & Policy Blog
That’s the title of a new report from Chris Peterson at the Consumer Federation of America. According to the executive summary: This study analyzes whether the CFPB, under the Trump Administration, is delivering on its statutory law enforcement objectives and... Continue reading
Posted Mar 12, 2019 at Consumer Law & Policy Blog
Today, my colleagues at U.S. PIRG Education Fund and the Frontier Group released a new report, “Driving Into Debt: The Hidden Cost of Risky Auto Loans to Consumers and Our Communities.” According to the executive summary (emphasis in original): In... Continue reading
Posted Feb 13, 2019 at Consumer Law & Policy Blog
Can a consumer sue if a company took that consumer’s biometric information without first getting the consumer’s informed consent? Yes, said the Illinois Supreme Court in a January 25, 2019 unanimous opinion in Rosenbach v. Six Flags Entertainment Corporation. This... Continue reading
Posted Jan 29, 2019 at Consumer Law & Policy Blog
According to a recent story from Tony Romm and Elizabeth Dwoskin at the Washington Post, “U.S. regulators have met to discuss imposing a record-setting fine against Facebook” for violating a 2011 consent decree that settled charges that Facebook deceived consumers... Continue reading
Posted Jan 18, 2019 at Consumer Law & Policy Blog
Reuters is reporting that the CFPB and Santander have reached a settlement regarding allegations that the auto finance lender misled borrowers about the cost of auto loans and related GAP insurance policies. According to the story, Santander has “agreed to... Continue reading
Posted Aug 31, 2018 at Consumer Law & Policy Blog
Last week, the Federal Reserve Bank of New York issued its quarterly report on U.S. household debt and credit. It found that—for the 16th straight quarter—aggregate household debt balances increased in the second quarter of 2018. Debt from mortgage loans,... Continue reading
Posted Aug 21, 2018 at Consumer Law & Policy Blog
Yesterday, the New York Times ran a distressing story by personal finance reporter Tara Siegel Bernard about the increasing rate of people 65 and older filing for bankruptcy protection. The story relies on a study that was recently released by... Continue reading
Posted Aug 6, 2018 at Consumer Law & Policy Blog
Today, the Center for Responsible Lending released a new report examining the repayment experiences of borrowers of longer-term payday loans in Colorado. The report is based on focus groups that were conducted in four Colorado cities in September 2017. The... Continue reading
Posted Jul 30, 2018 at Consumer Law & Policy Blog
The Washington Post has a story today about the growing problem of car repossessions in the United States and the ways that technology is being used to make repossessions “ruthlessly efficient.” The full article is here and is worth the... Continue reading
Posted May 16, 2018 at Consumer Law & Policy Blog
Today, the National Consumer Law Center released an updated version of its very helpful and informative 50-state UDAP survey. The page with links to the full report, executive summary, key recommendations, maps, charts, and appendices is available here. The press... Continue reading
Posted Mar 8, 2018 at Consumer Law & Policy Blog
With a $3.5 million gift from Elizabeth Cabraser, Berkeley Law is launching the Berkeley Center for Consumer Law and Economic Justice. Additional info is available here. According to the press release, the center will "deliver research and analysis to fuel... Continue reading
Posted Feb 14, 2018 at Consumer Law & Policy Blog
Today, my colleagues at U.S. PIRG and the Frontier Group released a new report, "Older Consumers in the Financial Marketplace." From the report's executive summary: Older consumers are at risk of harm from predatory financial behavior. An analysis of more... Continue reading
Posted Oct 12, 2017 at Consumer Law & Policy Blog
According to the press release: "The Consumer Financial Protection Bureau (CFPB) today finalized a rule that is aimed at stopping payday debt traps by requiring lenders to determine upfront whether people can afford to repay their loans. These strong, common-sense... Continue reading
Posted Oct 5, 2017 at Consumer Law & Policy Blog
Last week, in an opinion piece in the Washington Post, WashU law professor Danielle D'Onfro proposed one way to hold Equifax accountable: "some old-fashioned judge-made doctrine." According to D'Onfro, "the data economy has outgrown our consumer protection regulations and we... Continue reading
Posted Sep 20, 2017 at Consumer Law & Policy Blog
Many have probably already seen yesterday's article in the New York Times about the Consumer Financial Protection Bureau's popularity getting in the way of Republicans' efforts to weaken it, but just in case... Relying on emails and other documents obtained... Continue reading
Posted Sep 1, 2017 at Consumer Law & Policy Blog
Before jumping into my first post, I wanted to quickly introduce myself. I'm Mike Landis, Litigation Director for U.S. PIRG. (Obligatory disclaimer: my posts express my individual views only and not those of U.S. PIRG.) I've been a reader of... Continue reading
Posted Aug 24, 2017 at Consumer Law & Policy Blog