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.
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.
Read more recent developments and archived articles from the National Consumer Law Center.
Policy and analysis, statutes and regulations, sample pleadings, court decisions, and more - all publicly accessible on the NCLC Digital Library.