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Jeff Sovern
Recent Activity
Vijay Raghavan of Brooklyn has written Shifting Burdens at the Fringe, 102 Boston University Law Review (2022). Here's the abstract: Scholars are increasingly arguing that consumer law can be a site of distribution. This raises at least two concerns: the... Continue reading
Posted 4 days ago at Consumer Law & Policy Blog
by Jeff Sovern When Congress enacted the Credit CARD Act of 2009, it provided that credit card penalty fees, like late fees, “shall be reasonable and proportional” and gave the Fed the power--later transferred to the CFPB--to set safe harbor... Continue reading
Posted 5 days ago at Consumer Law & Policy Blog
by Jeff Sovern As the American Banker's Kate Berry reported (behind a paywall but available on Lexis), the CFPB's Spring Regulatory Agenda has been posted to the OMB's web site, rather than, as has been the Bureau's practice, the CFPB... Continue reading
Posted 7 days ago at Consumer Law & Policy Blog
The submission deadline is August 22 and the conference is December 15-16. More here. Continue reading
Posted Jun 25, 2022 at Consumer Law & Policy Blog
by Jeff Sovern When last we left our intrepid adventurer’s story, she had arrived home, even if her bag had not. But one week after her original flight to Atlanta, she received a text from Delta indicating that her bag... Continue reading
Posted Jun 24, 2022 at Consumer Law & Policy Blog
Leigh Osofsky and Kathleen DeLaney Thomas, both of North Carolina, have written Implicit Legislative Bias: The Case of the Mortgage Interest Deduction, 56 UC Davis Law Review (2022). Here is the abstract: The home mortgage interest deduction is over 100... Continue reading
Posted Jun 21, 2022 at Consumer Law & Policy Blog
by Jeff Sovern When last we left my daughter, she was in Atlanta, bagless, and Delta was clueless about where it was. On Sunday, she returned to the Atlanta airport for her return flight. Fortunately, checking in went faster than... Continue reading
Posted Jun 15, 2022 at Consumer Law & Policy Blog
by Jeff Sovern Thursday night, my daughter waved goodbye to her suitcase at LaGuardia as she flew to Atlanta for a wedding. She arrived in Atlanta at 10:30 pm, but her bag was a no show. She optimistically, but as... Continue reading
Posted Jun 11, 2022 at Consumer Law & Policy Blog
Here, from Business Insider. Painful reading, especially for those of us in education. Continue reading
Posted Jun 9, 2022 at Consumer Law & Policy Blog
Becoming a Federal Judge: What Consumer and Civil Justice Attorneys Need to Know June 14, 3:00 p.m.–4:00 p.m. ET Pricing Members: no charge Nonmembers: no charge but must be approved (if you have not yet been approved to attend NACA... Continue reading
Posted Jun 2, 2022 at Consumer Law & Policy Blog
Mateusz Grochowski of the Max Planck Institute for Comparative and International Private Law; Yale Law School; Polish Academy of Sciences - Institute of Legal Studies; Agnieszka Jabłonowska of the University of Lodz - Faculty of Law and Administration; European University... Continue reading
Posted May 31, 2022 at Consumer Law & Policy Blog
New Mexico recently enacted a 36% rate cap on consumer loans. Among the remarks that motivated them to do so was the following: Thank you Madam Chair, Members of the Committee. My name is Will Hancock and I’m a student... Continue reading
Posted May 30, 2022 at Consumer Law & Policy Blog
Here. Excerpt: Not just in Utah, but in Virginia and Washington, and Minnesota, tech companies have provided draft language that led to the introduction of industry-friendly privacy bills, according to legislators The Markup interviewed and previous reporting by Protocol. Big... Continue reading
Posted May 29, 2022 at Consumer Law & Policy Blog
John P. Hunt of UC-Davis has written The Failed Legal Case Against Student Debt Jubilee. Here is the abstract: This paper reviews and rebuts the arguments presented to date that the Executive lacks authority to engage in mass student loan... Continue reading
Posted May 27, 2022 at Consumer Law & Policy Blog
The Federal Trade Commission has issued a call for research presentations on a wide range of privacy and data security topics such as commercial surveillance and automated decision making for its annual PrivacyCon event, which will take place virtually on... Continue reading
Posted May 23, 2022 at Consumer Law & Policy Blog
by Jeff Sovern I am grateful to Alan Kaplinsky for commenting on two of my earlier posts, Whither Arbitration Regulation? and Why the CFPB is right that it can act against discrimination using its unfairness power. One of Alan's posts... Continue reading
Posted May 17, 2022 at Consumer Law & Policy Blog
Aaron L. Nielson of Brigham Young has written What Happens If the FTC Becomes a Serious Rulemaker? forthcoming in FTC's Rᴜʟᴇᴍᴀᴋɪɴɢ Aᴜᴛʜᴏʀɪᴛʏ (Concurrences 2022). Here's the abstract: The Federal Trade Commission (FTC) is no one’s idea of a serious rulemaker.... Continue reading
Posted May 16, 2022 at Consumer Law & Policy Blog
We received the following call for papers: Nikita Aggarwal, Matt Bruckner, Kathleen Engel and Cre Johnson are putting together proposals for a symposium on AI, Consumer Credit, and Discrimination. They are applying to multiple law reviews on a rolling basis.... Continue reading
Posted May 15, 2022 at Consumer Law & Policy Blog
Here is the announcement: University of Pretoria International Consumer Law Conference (UPICLC 2022) Since the first UPICLC conference in 2014, the University of Pretoria Consumer Protection Law Cluster has attempted to propagate and address various consumer issues and trends on... Continue reading
Posted May 14, 2022 at Consumer Law & Policy Blog
Hosted by The College of New Jersey School of Business on June 10th / 11th 2022. From the conference website: "This virtual conference brings together expertise from regulators, prosecutors, former MLM distributors, social media consumer advocates, researchers, educators, and journalists... Continue reading
Posted May 14, 2022 at Consumer Law & Policy Blog
by Jeff Sovern Every six months, the CFPB director testifies before the Senate Banking Committee and the House Financial Services Committee. Each committee member gets five minutes to question the director, a process that collectively takes hours and this last... Continue reading
Posted May 11, 2022 at Consumer Law & Policy Blog
Here's the job posting: Director of the CLASS Network - Center for Consumer Law & Economic Justice Do you want to work every day to advance the rights of low-income consumers? Do you want to help create a national network... Continue reading
Posted May 11, 2022 at Consumer Law & Policy Blog
We received the following Call for Papers: On April 6, 2022, in addition to announcing an extension of the federal student loan payment pause, the White House announced that the U.S. Department of Education is taking steps to give a... Continue reading
Posted May 9, 2022 at Consumer Law & Policy Blog
by Jeff Sovern Recently the CFPB announced that in conducting supervisory operations, it takes the position that discrimination is unfair and so violates the Consumer Financial Protection Act. You might think this is pretty straightforward: most of us would think... Continue reading
Posted May 1, 2022 at Consumer Law & Policy Blog
by Jeff Sovern Remember how Republicans complained how the CFPB was an unaccountable agency because its director could be fired only for cause? And then the Supreme Court ruled in Seila Law that the "for cause" removal limit was unconstitutional... Continue reading
Posted Apr 26, 2022 at Consumer Law & Policy Blog