This article describes advantages and tactics in bringing federal consumer claims in state court, in response to Supreme Court decisions that narrow federal court standing requirements under Article III of the Constitution. Also detailed are a just-updated state-by-state analysis of state court standing rules, analysis why federal court standing requirements do not apply to federal claims in state courts, and a summary of advantages of litigating federal claims in state courts.

This article explains the broader and practical implications of a May 25 Supreme Court decision that a local government taking of a home at a property tax foreclosure violated the Fifth Amendment’s Taking Clause. Also analyzed are property tax foreclosure issues not resolved by the decision, as well as eleven practical tips to avoid loss of a home for unpaid property taxes, with links to additional resources.

This article sets out 28 obligations of creditors, collectors, and merchants to provide information to consumers upon request or to retain consumer records for several years. These requirements assist consumer practitioners in developing the facts in a case, help consumers understand the nature of their transactions, and may provide statutory damages for their violation.

A new NCLC Digital Library article sets out practical solutions to problems arising from a homeowner's death in dealing with mortgages, foreclosures, reverse mortgages, property taxes and tax sales, utilities, and relief after natural disasters. The advice focuses where a home’s title is tangled—the home is stuck in probate or families living in a home for generations have never properly transferred the home’s title.

This article examines important developments at the Supreme Court, Second Circuit, and the district courts since the Fifth Circuit’s October ruling that the CFPB’s funding mechanism is unconstitutional and that a CFPB rule must thus be vacated. The article also offers updated litigation practice pointers for cases involving CFPB rules where defendants may challenge the rule’s validity based on the CFPB’s funding mechanism.

A February 22 Supreme Court ruling affects divorced or separated spouses and victims of economic abuse and coerced debt. The ruling encourages bankruptcy creditors to bring nondischargeability actions against innocent debtors based upon fraudulent actions of spouses or domestic partners. This article sets out five ways to counter such challenges and to discharge the debts in bankruptcy.

Predatory lenders use rent-a-bank schemes to avoid the consumer’s home state usury limits by piggybacking onto federal rate exportation rights available only to banks. This article explains how banks and others participating in a rent-a-bank scheme could be in for a big surprise. They may not be immune from the consumer’s home state regulation of matters other than the actual interest rate, leading to powerful consumer remedies.

This article provides practical steps to respond to an Eleventh Circuit ruling prohibiting extra recoveries for class representatives—a ruling that can cause havoc with prosecution of consumer class actions. The article also explains how to use the Supreme Court’s Ramirez case to breathe new life into state court class actions and highlights available practice tools from today’s most successful consumer class action practitioners.

This article summarizes all 2022 FDCPA published circuit court of appeals decisions. Of special note are seven decisions on constitutional standing. Other topics include the unsophisticated consumer standard, attorney fees, the bona fide error defense, FDCPA intersection with TILA, FDCPA scope, third-party communications, FDCPA claims based on state law, and sanctions.

This article lists new federal and state consumer law rights going into effect from Nov. 17, 2022, through Dec. 31, 2023. Highlights include: extensive rights for student loan borrowers; protections concerning medical debt, collection lawsuits, robocalls, reverse mortgages and privacy; increased homestead, property, and wage garnishment exemptions; interest rate caps; bankruptcy practice changes; and 14 new California laws.

New federal Guidance should make it far easier to obtain a bankruptcy discharge of student loans. Completing a simple Attestation Form may lead to an agreement to settle the debtor’s undue hardship discharge proceeding. This article explains the new Guidance’s significance, scope, and limits, and then sets out in 10 steps the process to complete the Attestation Form and seek a discharge of student loans.

Effective December 1, 2022, three amendments to the Bankruptcy Rules go into effect that deal with the debtor’s notice to creditors or the U.S. trustee. In general, these amendments simplify the practice of consumer bankruptcy law and this article explains each rule amendment and how it changes existing bankruptcy practice.Effective December 1, New Rules Simplify a Consumer Bankruptcy Practice

The Fifth Circuit just found the CFPB lacked authority to issue the Payday Lending Rule because the CFPB’s funding is unconstitutional. This article explains the potentially earth-shattering implications for consumer litigation based on CFPB rules interpreting TILA, FDCPA, FCRA, RESPA, and more, and offers detailed practice advice when consumer attorneys now pursue such claims.

Here are our five favorite new features on the revamped NCLC Digital Library, giving you a faster, easier reading experience, letting you view extra content related to the page you are viewing, adding powerful new search options, offering at no charge over 1400 written submissions at NCLC conferences, and including free to the public 6000 chapter and appendix subsections.

The definitive consumer bankruptcy treatise is updated with new case law, an amendment increasing chapter 13 debt limits, new 2022 Bankruptcy Code dollar amounts, the new initial forms, rules effective December 1, 2021, and updated means test data. Learn more and read Chapter One here.

This article provides practice pointers for attorney fee hearings, based on the author’s 44 years of trial experience handling exclusively consumer law cases. The article focuses on time records and other steps to take well before the hearing, use of a 50-state survey of consumer attorney fee rates, getting ready for the hearing, and tips for conduct of the hearing itself.

This article describes new major relief for student loan borrowers: $10,000 or $20,000 for millions of borrowers, and added relief for those in public service, in default, with disabilities, attending specific schools, with private loans, or with IDR plans. New loan servicers and no more private debt collectors. The article links to more detail and sets out steps borrowers should take now to make the most of the offered relief.

This article provides practical tips for advising clients with debt incurred by an abusive partner through coercion and fraud—developing a safety plan, documenting the coerced debt, protecting bank accounts, dealing with unauthorized credit card use, preventing an abuser from opening new accounts in the victimized partner’s name, addressing coerced debt on a credit report, and dealing with home mortgages.

This article examines practice implications of three recent CFPB interpretations of the Fair Credit Reporting Act, including: tenant and background screening companies’ use of name-only matching violates the FCRA; users are strictly liable for permissible use violations; and state law can limit when medical debt, evictions, rental arrears, and criminal records can first be reported.

This article explains that a June 29 HUD policy change eases the path for FHA borrowers to seek a loan modification even where a co-borrower cannot execute the modification because of death, divorce, separation, domestic violence, or other life events. Also covered are similar Fannie Mae and Freddie Mac policies, and borrower tactics when servicers require participation of unavailable co-borrowers.