1.1.3 Payment Issues Discussed in Other NCLC Treatises

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1.1.3 Payment Issues Discussed in Other NCLC Treatises

Some consumer issues relating to payments are discussed in other NCLC treatises.

NCLC’s Collection Actions¹ considers bank account garnishments, including the Treasury rule limiting garnishment freezes on certain federal benefits in a bank account. Also covered are criminal and civil collection of dishonored checks.

The Fair Credit Reporting Act’s applicability to bad-check and check approval lists is discussed in NCLC’s Fair Credit Reporting.²

NCLC’s Fair Debt Collection,³ discusses the Fair Debt Collection Practices Act’s applicability to collection practices relating to bounced checks.

NCLC’s Consumer Credit Regulation,⁴ discusses payday loans and state laws governing loans based on the deferred presentment of a check.

NCLC’s Truth in Lending,⁵ covers credit card disclosures, rights to dispute credit card charges, and limitations on setoff to pay credit card charges.

NCLC’s Unfair and Deceptive Acts and Practices⁶ and Federal Deception Law,⁷ consider unfair, deceptive or abusive practices related to payment issues.

Finally, NCLC’s Mortgage Lending,⁸ covers the preemption of state laws generally (beyond mortgage lending) and NCLC’s Consumer Credit Regulation,⁹ covers the preemption of state laws regulating fees and interest rates.

Footnotes

1 {1} National Consumer Law Center, Collection Actions (4th ed. 2017), updated at www.nclc.org/library.
2 {2} National Consumer Law Center, Fair Credit Reporting § 2.3.6.3 (9th ed. 2018), updated at www.nclc.org/library.
3 {3} National Consumer Law Center, Fair Debt Collection (9th ed. 2018), updated at www.nclc.org/library.
4 {4} National Consumer Law Center, Consumer Credit Regulation (2d ed. 2015), updated at www.nclc.org/library.
5 {5} National Consumer Law Center, Truth in Lending (10th ed. 2019), updated at www.nclc.org/library.
6 {6} National Consumer Law Center, Unfair and Deceptive Acts and Practices (9th ed. 2016), updated at www.nclc.org/library.
7 {7} National Consumer Law Center, Federal Deception Law (3d ed. 2017), updated at www.nclc.org/library.
8 {8} National Consumer Law Center, Mortgage Lending (3d ed. 2019), updated at www.nclc.org/library.
9 {9} National Consumer Law Center, Consumer Credit Regulation (2d ed. 2015), updated at www.nclc.org/library.