This article sets out seven key mistakes consumers make in attacking arbitration requirements: failing to first challenge delegation clauses; jumping into federal court; missing attacks on electronic consent and the contract’s language; mistaking the breadth of federal bans on arbitration; and underestimating arbitration’s ability to provide individual and even broad-based relief.

Ratio Utility Billing Systems (RUBS) is increasingly used in rental housing and creates potential for abusive landlord practices in tenants’ gas, electricity, and water bills. This article explains RUBS and the disadvantages of RUBS compared to traditional utility billing, provides a checklist to determine if a RUBS bill is accurate, mentions RUBS legislation and litigation, and links to additional resources.

FHA has announced new help for homeowners having trouble paying their FHA-insured mortgage loans. This article explains the seven key changes, including minimized documentation requirements, new home retention options, and access of successors-in-interest to FHA loss mitigation. This article describes the changes and provides links for more detail on each change.