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Home equity “investment” (HEI) loans are a growing predatory loan scam. Homeowners are offered cash without monthly payments, but these loans’ true cost can be astronomical. This article examines recent Ninth Circuit and other court decisions upholding claims against HEI loans and provides practice pointers in suing HEI lenders, including claims, successfully framing a complaint, and how to avoid arbitration.

One of the hottest consumer law topics is whether medical debt should be included on credit reports. A CFPB rule, 15 recent state statutes, and credit bureau voluntary actions all limit medical debt in credit reports. This article updates the very latest developments on all three fronts: litigation involving the CFPB rule; newly enacted state legislation and federal preemption; and credit bureaus’ voluntary actions.

The NCLC Digital Library is not just for consumer lawyers. This article describes the NCLC Digital Library’s practice manuals that are of special utility for attorneys practicing in areas outside of consumer law: landlord-tenant law; employment law; public benefits law; family law; criminal law; and class actions.