Consumer Credit Regulation

Innovative guidance and precise authority on predatory lending and non-mortgage consumer credit—including credit cards, payday loans, auto finance, and fringe lending.

Core Credit & Predatory Lending

• Credit Cards & Installment Credit: Federal and state regulations governing credit cards, new installment loan types, automobile and manufactured home financing, and retail installment sales.
• Usury Evasion & Short-Term Credit: Rent-a-bank schemes, bogus rent-to-own transactions, the active CFPB payday loan rule, and legal challenges to payday and auto title loans.
• Military Protections: Special credit protections for military service members and their dependents.

Emerging & Fringe Lending

• Modern Credit Products: Analysis of Earned Wage Advances (EWAs) and fake EWAs, "Buy Now, Pay Later" (BNPL) financing, and income share agreements.
• Alternative Financing: Legal issues surrounding the "sale" of pensions and structured settlements, litigation financing, and probate loans.

Practice Tools & Legal Analysis

• Foundational Concepts: Dedicated chapters analyzing "what is interest," "what is a loan," and core credit math.
• Litigation & Preemption: Tactics for litigating usury and predatory lending cases, alongside analysis of limits on federal preemption.
• State Statutory Summaries: Unique state-by-state summaries of lending statutes, Retail Installment Sales Acts (RISAs), installment loan laws, and open-end credit statutes.

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