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This article describes how state unfair and deceptive acts and practices (UDAP) statutes offer a powerful tool to combat private companies’ financial exploitation of incarcerated people and their loved ones, such as price gouging, unfair contracts, and denial of free services to force paid services. The article explains how UDAP statutes have been and can be used, as well as potential obstacles to their use.

State “UDAP” statutes, providing equitable relief and attorney fees, are a promising approach to defending foreclosure of long-dormant second mortgages (zombie mortgages). With numerous precedents, this article explains why mortgage holders and servicers’ long-term abandonment of communication with borrowers meets the elements for both unfair and deceptive practices under these statutes.

Following a 2025 Supreme Court decision, courts are reconsidering prior settled law on Telephone Consumer Protection Act (TCPA) claims, including whether the TCPA applies to text messages, whether the FCC's written consent regulation is enforceable, and whether private remedies apply to caller ID and cell phone do-not-call list violations. This article focuses on best litigation practices in this changing environment.

On June 23 the Supreme Court decided its second property tax foreclosure case in three years, clarifying homeowner rights after a tax taking where sale proceeds are far lower than the property’s value. This article analyzes the new ruling’s implications, explores when a tax sale may not be “fairly conducted,” identifies states where tax sale law is open to challenge, and explains how recent legislative gains are protected.

As of July 21, the Equal Credit Opportunity Act's Regulation B guts core protections against credit discrimination, including claims alleging disparate impact and discouraging applicants. This article explains the changes while suggesting alternative approaches, including disparate impact claims under other statutes and reverse redlining claims against predatory and unfair lending.