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Consumer Protection Law Archives

Just how problematic are subprime auto loans?

One of the many consequences of the recent recession was that lenders became far more reluctant to extend other types of credit outside of just home loans. Interestingly enough, however, there was at least one anomaly: auto loans. Indeed, this type of credit proved readily available during these turbulent economic times, a trend that has continued to the present day with total auto debt in the U.S. now sitting at over $1.1 trillion.

What you should know about your rights under the ECOA - III

In a series of posts, we've began exploring how those individuals who find themselves in the unenviable position of having a loan application rejected -- whether for a home purchase, business opportunity, educational pursuit or other prospect -- shouldn't be too hard on themselves, as financial institutions often decline to extend the necessary funds. 

CFPB report highlights vulnerability of older consumers

The population of older Americans here in the U.S. is growing at a remarkable rate, fueled almost entirely by the baby boomer generation, whose members are enjoying longer, healthier lives. If you don't believe it, consider that statistics show as many as 10,000 Americans are turning 62 every day.

How you can help yourself when your identity is stolen

Thanks to everything from news reports to the experiences of friends and family, most people are well aware of the damage that can result when a person's identity is stolen. It's for this reason that so many are careful to shred their mail, devise complex passwords and exercise restraint when it comes to giving out sensitive information.   

SCOTUS hears arguments in important FDCPA case

It has proved to be something of a historic week for the Supreme Court of the United States, as Justice Neil Gorsuch, fresh off an acrimonious confirmation process, officially took his place on the bench for oral arguments. Indeed, with Gorsuch's ascension, the number of justices on the nation's high court, which has had a longstanding vacancy since the death of Antonin Scalia, has been restored to nine.  

Understanding your rights under the Florida Consumer Collection Practices Act - II

Last week, we discussed how Sunshine State residents are protected from harassment, abuse and fraudulent practices by original creditors, debt collectors and third-party debt buyers under the collective powers of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.

Understanding your rights under the Florida Consumer Collection Practices Act

Florida residents should derive much-needed comfort from the fact that they are protected from harassment, abuse and other misleading tactics by both debt collectors and third-party debt buyers thanks to the landmark federal law that is the Fair Debt Collection Practices Act.

What you should know about your rights under the ECOA - II

In a previous post, we began discussing how anyone looking to pursue their dreams -- from owning a home to starting a business -- will more than likely need to take out a loan and the unfortunate reality that financial institutions can -- and often do -- decline to extend the necessary funds.  

Why some consumers will see their credit scores jump this July

It goes without saying, even here in sunny Florida, that everyone's favorite season of the year is summer. That's because these three long months promise everything from long days and blue skies to baseball and school breaks.

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