This article lists federal and state consumer law rights scheduled to go into effect or expire from December 1, 2024, through January 1, 2026. Of special note are 11 FCC, CFPB, FTC, and bankruptcy rules with a 2025 effective date, as well as medical debt and mortgage loan developments. California alone will see 17 new consumer statutes, and law changes are noted in 30 other states.
A new NCLC Digital Library article examines the most significant 2024 FDCPA developments, including summaries of all reported circuit court of appeals decisions, the latest approaches to dealing with FDCPA standing problems, CFPB guidance on collection of medical debt, and important FDCPA claims related to new legislation that limits credit reporting of medical debt.
Even though federal law prohibits nursing homes from requiring a third party to guarantee payment of their loved one’s bill, nursing homes still frequently pursue payment from friends and family of debts that can exceed $100,000. A new NCLC Digital Library article explains a new federal guidance that nixes these nursing home evasions. The article provides practice advice for consumer advocates representing the resident’s family or friends.
As the name suggests, zombie mortgages can be terrifying. They rise from the dead, appear without warning, and seize homes. And they are appearing now more than ever. A new NCLC Digital Library article explains what they are, why they are now such a problem, and fifteen ways homeowners can stop foreclosures of zombie mortgages. The article also links to additional resources.
Read more recent developments and archived articles from the National Consumer Law Center.
NCLC has compiled resources for advocates navigating trending subjects in consumer law. Resources include free NCLC articles, written submissions from past NCLC conferences free to the consumer law community, links to relevant NCLC treatise material, pleadings and discovery, and more. Most of the resources are free to the public or free to the consumer law community. View NCLC's aggregated lists of resources on the NCLC Digital Library.
Policy and analysis, statutes and regulations, sample pleadings, court decisions, and more - all publicly accessible on the NCLC Digital Library.