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Practice Implications of June 25 Supreme Court Ramirez Decision

The Supreme Court’s June 25 Ramirez decision reshapes constitutional standing for federal court FCRA, FDCPA, TILA, TCPA, RESPA and other individual and class cases based on consumer statutes. This article details Ramirez’s practice implications for varied types of consumer injury, provides pleading and proof tips, and explains how initiating a case in state court may alleviate standing problems.

Fourteen New Federal Actions Protecting Mortgage Borrowers

In one short month—from June 24 to July 23, 2021—the White House, FHA, VA, USDA, and FHFA (for Fannie Mae and Freddie Mac) have announced 14 separate actions helping mortgage borrowers facing financial hardship from the pandemic. This article summarizes each of the 14, links to the full text of each action, and links to specific subsections of NCLC’s Mortgage Servicing and Loan Modifications for background detail on the subject of each action.

Starting July 15: Protecting the Monthly Child Tax Credit Payments from Creditors

Starting July 15, families will receive each month an advance child tax credit up to $300 per child per month. This article examines existing consumer protections to safeguard payments from judgment creditors’ bank account garnishment and from the United States’ intercept to repay defaulted federal student loans. The article also considers tactics to protect paper check payments from garnishment.

Implications of New CFPB Bulletin on Consumer Reporting of Renters

A looming rental eviction crisis also will have severe consequences for evicted renters' credit and tenant screening reports, blocking renters' access to future housing. This article explains the implications for private FCRA litigants of a July CFPB bulletin that enumerates both longstanding abusive tenant reporting practices and new problems brought on by the pandemic.

Corporate Bankruptcy 101 for Consumer Attorneys (New Free Flow Chart)

Corporate bankruptcies pose unique challenges and opportunities for attorneys representing students at predatory schools, tenants, homeowners with mortgages, and consumers of goods, services, or credit. An online interactive flow chart is now open to the public, Corporate Bankruptcy 101 for Consumer Litigators. This article links to and describes how the free flow chart provides step-by-step instructions on representing consumers in corporate bankruptcies.

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