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Consumer Law Rights Taking Effect In 2022

In 2022 significant new federal and state consumer law rights will be effective, and other rights are set to expire or have been extended. This article sets out, as of January 1, 2022, the effective dates for all of these changes, including changes effective from November 30, 2021 through January 1, 2023.

Defenses to Collection of Rental Debt

This article provides tenant tactics to deal with rental debt: responding to negative tenant screening reports that prevent access to new housing; challenging the rental amount claimed as due; other defenses to rental debt collection lawsuits and eight ways for the tenant to recover attorney fees in that litigation; tenant rights after a court judgment for the landlord; and tenants’ affirmative litigation for the collector’s litigation abuse.

The FDCPA Year in Review: 2021

This article reviews a very active 2021 concerning the Fair Debt Collection Practices Act (FDCPA): significant new FDCPA regulations took effect, a Supreme Court decision significantly impacts standing in FDCPA cases, and 21 appellate court panels issued important FDCPA published decisions.

Free Access to Just-Updated Chapter on COVID-Related Homeowner Protections

This article provides links to the latest COVID-related homeowner protections for different types of mortgages and homeowner financial circumstances. Links go to an extensively updated NCLC chapter, which is, for a limited time, free to the public. Also linked is a discussion of an important foreclosure defense based on servicer noncompliance with these homeowner protections.

FDCPA Reg. F, Now in Effect, Explained in Depth

This article introduces the new Fair Debt Collection Practices Act Reg. F, that went into effect November 30. The article provides links to totally rewritten NCLC chapters explaining the new rules in-depth. It also provides a handy list of new Reg. F provisions on debt collector use of emails and texts to collect debts and make required disclosures.

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