Consumer Credit Regulation

Credit Cards, Payday Loans, Auto Finance, and Other Non-Mortgage Credit

Innovative Thinking and Precise Authority on Predatory Lending and Other Consumer Credit

• Rent-a-bank schemes trying to evade state usury laws
• The CFPB payday loan rule (now in effect), other challenges to payday and auto title loans
• Federal and state regulation of credit cards
• Installment loans: new types and new regulation
• Bogus rent-to-own transactions
• Auto and manufactured home finance and retail installment sales
• Special protections for the military and their dependents

Groundbreaking Analysis of New Forms of Fringe Lending

• Earned wage advances (EWAs) and fake EWAs
• “Buy Now, Pay Later” financing
• Income share agreements
• “Sale” of pensions and settlements, litigation financing, and probate loans

A Complete Practice Package for Beginners and Experts

• Unique chapters on what is interest, what is a loan, credit math
• How to litigate usury and predatory lending cases
• Limits on federal preemption of state regulation
• One-of-a-kind state-by-state summaries of lending statutes, RISAs, installment loan laws, and open-end credit statutes
• Sample pleadings and discovery. See an example here.

Praise

"This series written by nationally recognized experts in consumer law combines perceptive analysis with a comprehensive collection of case references, statutory laws, regulations and practice hints. These volumes should become a standard reference set for attorneys advising and litigating in consumer and credit areas." — ABA Journal