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Data Gatherers Evading the FCRA May Find Themselves Still in Hot Water

2019 decisions from three circuit courts exempt data gatherers from the Fair Credit Reporting Act (FCRA). This article explains that these firms should be careful what they wish for, as FCRA preemption no longer applies and they become subject to potentially powerful state laws.

Student Loan Servicers Now Subject to Borrowers’ State Law Claims

Recent circuit and district court decisions find federal preemption inapplicable to many state law deception claims against student loan servicers. The article lists common servicer abuses, explains how the new cases reject the Department of Education’s preemption claims, and analyzes which state law claims will be most effective in seeking remedies from student loan servicers.

Three June State Law Actions Helping Consumers Fight Arbitration Requirements

This article examines three June actions showing how state law can help consumers respond to arbitration clauses: a Ninth Circuit ruling that public injunctive relief provided by a state statute must be available either in court or in arbitration, a state supreme court’s limit as to when non-parties can enforce arbitration agreements, and a Vermont statute helping consumers challenge unconscionable arbitration clauses.

New Ways to Maximize Attorney Fees Where Claim Pursuant to FTC Holder Notice

This article examines new and old ways to maximize attorney fee recoveries where the consumer has used the FTC Holder Notice to sue a creditor based on seller-related claims. The article also debunks five myths that are often used to try to limit consumer recoveries under the FTC Holder Notice.

Sup. Ct. Sets Standard for Consumer Relief for Collection on Debt Discharged in Bankruptcy

On June 3, the Supreme Court set the standard for consumer recovery of damages, punitive damages, and attorney fees for collection of debts discharged in bankruptcy. This article also explains that judgments on discharged debts are void, describes the advantages of FDCPA remedies, and provides a comparison between remedies for automatic stay violations and discharge violations.

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