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.
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.
Read more recent developments and archived articles from the National Consumer Law Center.
Tangled title issues and zombie second mortgages are among the biggest housing issues facing consumers today. NCLC has compiled resources for advocates navigating both of these subjects. 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.