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Ninth Circuit: Collector Hired by State Agency Cannot Require Arbitration

January 11, 2018

Breazeale v. Victim Servs., Inc., 2017 WL 6601779 (9th Cir. Dec. 27, 2017) is an important decision with potentially broad consequences for litigation involving the commercialization of the criminal justice system. The court held that the Federal Arbitration Act, 9 U.S.C. § 1, et seq., does not apply to agreements between individuals and private contractors acting on behalf of the government, at...

National Housing Law Project Partners with National Consumer Law Center to host the Digital Green Book

January 4, 2018

National Housing Law Project (NHLP) has partnered with the National Consumer Law Center (NCLC) to offer the 5th edition of HUD Housing Programs: Tenants’ Rights on NCLC’s digital library. NHLP has wanted to bring the Green Book online for years, but it took the expertise and generosity of NCLC. The new digital format will allow users to copy and paste text and citations, bookmark, highlight, and will provide live links to companion materials. The digital platform also makes the Green Book much more portable and available on cell phones and laptops. The digital format will allow NHLP to update the manual much more frequently, to fix inevitable errors and to provide to our readers even more extensive and accessible companion materials.

Game-Changing New Bankruptcy Rules Effective December 1

December 1, 2017
This article examines new bankruptcy rule amendments, effective December 1, that significantly alter chapter 13 practice. The new rules affect the form of the chapter 13 plan, procedures for valuing and voiding liens, filing deadlines for creditor proofs of claim, objections to proofs of claims, and objections to plan confirmation.

CFPB Issues Final Rule Regulating Payday Loans

October 11, 2017
The CFPB issued its final “payday lending rule” on October 5, not effective until 2019. This free article describes the rule’s application to high-interest loans and sets out a list of other currently applicable challenges to such lending.

Key Steps to Minimize Risk After Equifax Data Breach

September 24, 2017
Nearly every adult with a credit history is at risk of identity theft after the recent Equifax data breach. In this free article, NCLC offers key advice for consumers, with specific steps that can be taken to minimize the risks—freezes, thaws, fraud alerts, credit monitoring, and more.

Supreme Court: Special Counsel’s Authorized Use of Attorney General Letterhead Not FDCPA Violation

May 17, 2017
In Sheriff v. Gillie, 578 U.S. __ (2016), a unanimous Supreme Court on May 16 held in a narrowly-crafted decision that attorneys hired as special counsel by the Ohio Attorney General’s Office for the collection of debts owed to state institutions do not violate the Fair Debt Collection Practices Act (FDCPA) when they use the Ohio Attorney General’s letterhead together with a disclosure that they...