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August 2018

Collection Actions
Chapter 1, Introduction
Chapter 2, Case Selection, Advising the Client, and Litigation Strategy
Chapter 3, Dismissal Before Reaching the Merits
Chapter 8, Criminal and Civil Collection of Dishonored Checks
Chapter 12, Challenging a Collection Judgment
Chapter 17, Prevailing Consumers' Postjudgment Actions

Consumer Arbitration Agreements
Chapter 3, The Federal Arbitration Act and the Preemption of State Law
Chapter 4, Federal Limits on the Enforceability of Arbitration Agreements
Chapter 6, Unconscionability and Other Contract Law Defenses to Arbitration
Chapter 7, Arbitration Clause's Applicability to Particular Claims
Chapter 8, Waiver of the Right to Compel Arbitration
Chapter 10, Judicial Review and Effect of the Arbitration Award

Consumer Warranty Law
Appendix G, State-by-State Analysis of Service Contract Laws and Regulations

Credit Discrimination (7th ed. 2018)
Chapter 1, Introduction and First Considerations
Chapter 2, Scope
Chapter 3, Prohibited Bases for Discrimination
Chapter 4, Proving Credit Discrimination
Chapter 5, Discrimination in Pre-Application and Application Procedures
Chapter 6, Discrimination in Credit Evaluation
Chapter 7, Redlining
Chapter 8, Discrimination Law Challenges to Predatory Lending and Unfair Pricing
Chapter 9, Discrimination Subsequent to the Granting of Credit
Chapter 10, ECOA Procedural Requirements
Chapter 11, Litigating a Credit Discrimination Case
Chapter 12, Government Enforcement
Appendix A, Federal Credit Discrimination Statutes
Appendix B, Regulation B (Equal Credit Opportunity)
Appendix C, Official Interpretations of Regulation B
Appendix D, Fair Housing Act Regulations
Appendix E, Home Mortgage Disclosure Act and Regulation C
Appendix F, State Credit Discrimination Laws
Appendix G, Sample Pleadings
Appendix H, Sample Discovery
Appendix I, Consumer's Guide to Credit Discrimination Laws (Appropriate for Distribution to Clients)
Appendix J, Bibliography of Social Science Research on Credit Discrimination Issues
Appendix K, Useful Credit Discrimination Weblinks

Fair Debt Collection
Chapter 4, Persons and Transactions Covered by the Fair Debt Collection Practices Act

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam

July 2018

Collection Actions
Chapter 10, Federal Administrative Agency Collections
Chapter 13, Enforcement of Judgments: General Principles, Constitutional Issues
Chapter 14, Protecting Debtors' Wages, Benefits, Other Income, and Bank Accounts
Chapter 15, Protecting the Debtor's Home, Tangible Personal Property, and Other Assets

Consumer Banking and Payments Law (6th ed. 2018)
Chapter 1, First Considerations
Chapter 2, Deposit Accounts: Account Opening, Closing, Statements, Fees, and Interest
Chapter 3, The Consumer’s Payment by Personal Check
Chapter 4, Check Payments to Consumers
Chapter 5, Electronic Fund Transfers
Chapter 6, Payments Outside of Bank Accounts: Money Orders, Cashier’s Checks, Domestic and International Remittances
Chapter 7, Prepaid Accounts, Gift and Payroll Cards, Mobile Payments, and Other Stored Value Systems
Chapter 8, Electronic Benefit Transfer (EBT)
Chapter 9, Federal Benefit Payments
Chapter 10, Banker’s Setoff and Security Interests in Bank Accounts
Chapter 11, Electronic Transactions: Contracts, Disclosures, and Signatures
Appendix A, Uniform Commercial Code Provisions on Consumer Checking
Appendix B, Truth in Savings
Appendix C, Federal Check Regulation: Check 21, Funds Availability, and Check Collections
Appendix D, Payments to Telemarketers
Appendix E, Electronic Fund Transfers
Appendix F, NACHA Rules, Guidelines, and Bulletins
Appendix G, Stored Value and Prepaid Cards
Appendix H, Federal Benefits Payments
Appendix I, Electronic Signatures and Records

Truth in Lending
Chapter 2 Scope
Chapter 9 Substantive Mortgage Regulation

June 2018

Collection Actions
Chapter 7, Defending Military Personnel in Collection Actions
Chapter 16, Debtor's Examinations and Imprisonment for Debt

Consumer Class Actions
Chapter 1, Case and Claims Selection, Other First Considerations
Chapter 4, Choosing the Class Definition
Chapter 7, The Defendant's Response: Preliminary Motions, Individual Settlement Offers, Counterclaims, and More
Chapter 10, Class Certification
Chapter 15, The Court Settlement Approval Process
Chapter 18, Res Judicata and Collateral Estoppel
Chapter 19, Attorney Fees

Student Loan Law
Chapter 9, Property and Asset Seizures to Collect Federal Student Loans
Chapter 12, Private Student Loans
Chapter 13, Student Litigation; Oversight of For-Profit Schools

Unfair and Deceptive Acts and Practices
Chapter 1, First Considerations
Chapter 2, UDAP Scope
Chapter 3, Demonstrating That a Practice Is a UDAP Violation
Chapter 4, The Meaning of Deception, Unfairness, and Unconscionability
Chapter 5, General Sales and Performance Practices
Chapter 6, Credit and Collections
Chapter 7, Motor Vehicle Sales, Rentals, and Repair
Chapter 8, Home and Home-Related Transactions
Chapter 9, Services, Insurance, Opportunity Schemes, Other Transactions
Chapter 10, Liability of Various Parties
Chapter 11, Litigating UDAP Cases
Chapter 12, Private UDAP Remedies
Chapter 13, State Agency Enforcement

May 2018

Access to Utility Service (6th ed. 2018)
Chapter 1, Introduction
Chapter 2, Right to Utility Service
Chapter 3, Tenant Strategies for Maintaining Service
Chapter 4, Metering Issues: Metering Errors, Master-Metering, Submetering, Prepayment Meters, Advanced Meters
Chapter 5, Payment Issues: Payment, Security Deposits, and Late Charges
Chapter 6, Grounds for Termination of Utility Service and Termination Protections
Chapter 7, Utility Affordability Programs: Description and Implementation
Chapter 8, The Low Income Home Energy Assistance Program (LIHEAP)
Chapter 9, Weatherization and Energy Efficiency Programs
Chapter 10, Utility Allowances in Subsidized Housing
Chapter 11, Telecommunications
Chapter 12, Affordable Water Service
Chapter 13, Bankruptcy Issues: When Either the Consumer or Landlord Files for Bankruptcy
Chapter 14, Manufactured Homes and Utility Service
Chapter 15, Due Process Protections for Municipal and REC Customers; Unregulated Deliverable Fuels
Appendix A, State Regulation of Utilities
Appendix B, Telephone and Telecommunications Materials
Appendix C, The Low Income Home Energy Assistance Program (LIHEAP)
Appendix D, The Department of Energy’s Weatherization Assistance Program
Appendix E, Utility Discount Rate Outreach and Enrollment—Sample Legislation and Other Material
Appendix F, Sample Petition to Intervene, Sample Petition to Initiate a Proceeding, and Sample Letters to Certify Serious Illness

Consumer Arbitration Agreements
Chapter 1, Preliminary Issues
Chapter 2, Threshold Issues for Challenges to Arbitration Clauses
Chapter 4, Federal Limits on the Enforceability of Arbitration Agreements
Chapter 5, Formation of Agreement to Arbitrate
Chapter 6, Unconscionability and Other Contract Law Defenses to Arbitration
Chapter 7, Arbitration Clause's Applicability to Particular Claims
Chapter 8, Waiver of the Right to Compel Arbitration

Consumer Credit Regulation
Appendix A, Federal Credit Regulation

Foreclosures and Mortgage Servicing
Appendix A, Federal Mortgage Servicing Law

Truth in Lending
Chapter 1, Overview
Chapter 2, Scope
Chapter 3, Finance Charge
Chapter 4, General Rules for Closed-End Credit Disclosures
Chapter 5, Specific Closed-End Disclosures
Chapter 6, Disclosures for Credit Cards and Other Non-Home-Secured Open-End Credit
Chapter 7, Substantive Protections for Credit Cards and Other Open-End Credit
Chapter 8, Home Equity Lines of Credit (HELOCs) and Reverse Mortgages
Chapter 10, Truth in Lending Rescission Rights
Chapter 11, Consumer Remedies
Chapter 12, Creditor Defenses and Counterclaims
Chapter 13, Consumer Leasing Act
Appendix B, Regulation Z
Appendix C, Official Interpretations of Regulation Z

April 2018

Consumer Arbitration Agreements
Appendix B Federal Limits on Arbitration
Appendix C Rules of the American Arbitration Association

Consumer Credit Regulation
Chapter 1, Background
Chapter 4, Interest, Points, Fees, and Delinquency Charges
Chapter 5, Credit Math: Calculating Interest and Rebates
Chapter 14, “Sale” of Future Payment Streams
Appendix D, Summaries of State Closed-End Installment Loan Statutes
Appendix E, Summaries of State Open-End Credit Statutes

Fair Debt Collection
Chapter 11, Fair Debt Collection Practices Act Litigation and Remedies
Chapter 14, Other Federal Claims

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam

Foreclosures and Mortgage Servicing
Chapter 3, Federal Mortgage Servicing Laws

Repossessions
Chapter 9, Disposition of Repossessed Collateral Other Than by Creditor’s Sale: Reinstatement, Redemption, Strict Foreclosure, Sheriff’s Sale, and Consumer’s Sale
Chapter 10, Creditor’s Sale of the Collateral
Chapter 11, Determining the Deficiency or Surplus
Chapter 12, Defending a Deficiency Action
Chapter 13, Affirmative Consumer Remedies in Repossession Cases
Chapter 14, Consumer Leases
Chapter 15, Liens
Appendix A, Selected Uniform Commercial Code Provisions
Appendix B, Summary of State Repossession Laws

March 2018

Consumer Bankruptcy Law and Practice
Appendix A, Bankruptcy Statutes
Appendix D, Official Bankruptcy Forms with Annotated Samples
Appendix G, Sample Bankruptcy Pleadings and Other Forms
Appendix I, Means Test Data
Appendix J, Summaries of State Exemption Laws

Consumer Credit Regulation
Chapter 2, Statutes Restricting Credit Terms
Chapter 8, Credit Cards: Abuses, Regulation, and State Law Claims
Chapter 10, Installment Loans
Chapter 11, Motor Vehicle, Manufactured Home, and Other Installment Sales
Chapter 13, Rent-to-Own
Chapter 14, “Sale” of Future Payment Streams
Chapter 15, Tax-Time Financial Products: RALs, RACs, and Assignments

Repossessions
Chapter 2, Scope and Sources of Law
Chapter 3, Enforceable Security Interests
Chapter 4, Default As Precondition to Seizure
Chapter 5, Replevin
Chapter 6, Self-Help Repossession
Chapter 7, Unsecured Personal Property Taken During Repossession

February 2018

Fair Debt Collection (9th ed. 2018) (2 volumes)
Chapter 1 Introduction
Chapter 2 Preparation of a Debt Collection Harassment Case
Chapter 3 Overview of the Fair Debt Collection Practices Act
Chapter 4 Persons and Transactions Covered by the Fair Debt Collection Practices Act
Chapter 5 FDCPA §§ 1692b and 1692c: Collector’s Communications with the Consumer
Chapter 6 FDCPA § 1692d: Harassing, Oppressive, or Abusive Conduct
Chapter 7 FDCPA § 1692e: False, Deceptive, or Misleading Representations and Collection Methods
Chapter 8 FDCPA § 1692f: Unfair or Unconscionable Collections
Chapter 9 FDCPA § 1692g: Notice of Consumer’s Dispute and Debt Verification Rights
Chapter 10 FDCPA §§ 1692h, 1692i, 1692j: Applying Payments; Distant Forum Abuse; False Impression of Debt Collector Involvement
Chapter 11 Fair Debt Collection Practices Act Litigation and Remedies
Chapter 12 Debt Collectors’ Defenses and Counterclaims
Chapter 13 Bankruptcy and Affirmative Claims Arising from Debt Collection
Chapter 14 Other Federal Claims
Chapter 15 Tort Remedies
Chapter 16 Other State Remedies
Appendix A Text of the Fair Debt Collection Practices Act
Appendix B CFPB Interpretations of the FDCPA
Appendix C FTC Interpretations of the FDCPA
Appendix D Summary of State Debt Collection Statutes
Appendix E Fair Debt Collection Practices Act Case Summaries
Appendix F Digital Practice Tools, Pleadings, Primary Sources
Appendix G Abbreviations Commonly Used by Collectors
Appendix H Debt Collection on the Web

Consumer Bankruptcy Law and Practice
Appendix G, Sample Bankruptcy Pleadings and Other Forms

January 2018

Consumer Arbitration Agreements
Chapter 5, Formation of Agreement to Arbitrate

Consumer Credit Regulation
Chapter 2, Statutes Restricting Credit Terms
Chapter 3, Federal Preemption and the Applicable State Statute

Student Loan Law
Chapter 4, Postponing Repayment on Federal Student Loans
Chapter 7, Repayment Strategies for Getting Out of Federal Student Loan Default
Chapter 10, Statutory Discharges of Federal Student Loans
Chapter 11, Discharging Student Loans in Bankruptcy
Appendix A, Federal Student Loan Statutes
Appendix E, State Statutes Regulating Private Postsecondary Schools
Appendix H, Student Loan Collection Agencies

Truth in Lending
Appendix C Official Interpretations of Regulation Z

December 2017

Consumer Bankruptcy Law and Practice
Chapter 7, Preparing and Filing the Papers
Chapter 8, After the Papers Are Filed
Chapter 10, Exemptions
Chapter 11, Dealing with Secured Creditors
Chapter 12, Issues Arising in Chapter 13 Cases
Chapter 14, Litigating in the Bankruptcy Court
Appendix B, Federal Rules of Bankruptcy Procedure
Appendix D, Official Bankruptcy Forms with Annotated Samples

Consumer Class Actions
Appendix C [replacement appendix], Survey of State Class Action Law—2017–2018

Mortgage Lending
Chapter 4, State Law Claims and Defenses to Abusive Mortgage Lending

Student Loan Law
Chapter 1, Getting Started
Chapter 2, Taking Out a Federal Student Loan: Basic Terms and Conditions
Chapter 3, Pre-Default Repayment Options
Chapter 6, Implications of Student Loan Defaults

November 2017

Consumer Arbitration Agreements
Chapter 4, Federal Limits on the Enforceability of Arbitration Requirements

Consumer Class Actions
Chapter 1, Case and Claims Selection, Other First Considerations
Chapter 7, The Defendant’s Response: Preliminary Motions, Individual Settlement Offers, Counterclaims, and More
Chapter 12, Appeals of Certification Rulings
Chapter 13, Class Notice
Chapter 14, Negotiations and Settlement
Chapter 15, The Court Settlement Approval Process
Chapter 16, Claims Administration and Distribution of Benefits
Chapter 18, Res Judicata and Collateral Estoppel
Chapter 19, Attorney Fees

Consumer Credit Regulation
Chapter 3, Federal Preemption and the Applicable State Statute
Appendix D, Summaries of State Closed-End Installment Loan Statutes
Appendix E, Summaries of State Open-End Credit Statutes

Foreclosures and Mortgage Servicing
Chapter 1, Introduction

Mortgage Lending
Appendix D, Truth in Lending Act Substantive Mortgage Regulation

Unfair and Deceptive Acts and Practices
Chapter 2, UDAP Scope
Chapter 11, Litigating UDAP Cases
Chapter 12, Private UDAP Remedies

October 2017

Collection Actions (4th ed. 2017)
Chapter 1, Introduction
Chapter 2, Case Selection, Advising the Client, and Litigation Strategy
Chapter 3, Dismissal Before Reaching the Merits
Chapter 4, Proof of the Merits of the Collector’s Claims
Chapter 5, Defenses and Counterclaims
Chapter 6, Creditors’ Recovery of Attorney Fees, Collection Expenses, Postjudgment Interest
Chapter 7, Defending Military Personnel in Collection Actions
Chapter 8, Criminal and Civil Collection of Dishonored Checks
Chapter 9, Medical Debt
Chapter 10, Federal Administrative Agency Collections
Chapter 11, Criminal Justice Debt
Chapter 12, Challenging a Collection Judgment
Chapter 13, Enforcement of Judgments: General Principles, Constitutional Issues
Chapter 14, Protecting Debtors’ Wages, Benefits, Other Income, and Bank Accounts
Chapter 15, Protecting the Debtor’s Home, Tangible Personal Property, and Other Assets
Chapter 16, Debtor’s Examinations and Imprisonment for Debt
Chapter 17, Prevailing Consumers’ Postjudgment Actions
Appendix A, Selected Provisions of the Servicemembers Civil Relief Act
Appendix B, Selected Provisions Governing Collection of Debts Owed to Federal Government
Appendix C, Federal Wage Garnishment Statute and Regulations
Appendix D, Treasury Rule Protecting Electronically Deposited Exempt Federal Benefits
Appendix E, Selected Federal Exemption Provisions
Appendix F, Federal Trade Commission Credit Practices Rule
Appendix G, Summaries of State Exemption Laws

Consumer Arbitration Agreements
Chapter 9, Arbitration of Claims on a Classwide Basis
Chapter 10, Judicial Review and Effect of the Arbitration Award

Consumer Class Actions
Chapter 1, Case and Claims Selection, Other First Considerations
Chapter 2, Forum Selection
Chapter 4, Choosing the Class Definition
Chapter 5, Drafting the Complaint
Chapter 6, Plaintiff’s Preliminary Actions to Protect the Class
Chapter 10, Class Certification
Chapter 11, The Class Motion and Briefs

Fair Credit Reporting (9th ed. 2017) (2 volumes)
Chapter 1, Introduction
Chapter 2, Definitions Analyzed in This Chapter
Chapter 3, Access to and Examination of the Consumer's File
Chapter 4, Accuracy and Reinvestigation Obligations of Consumer Reporting Agencies
Chapter 5, Obsolete and Restricted Information in Consumer Reports
Chapter 6, Activities and Duties of Furnishers of Information to Consumer Reporting Agencies
Chapter 7, Permissible Releases and Uses of Consumer Reports
Chapter 8, Notices Concerning Consumer Reports
Chapter 9, Identity Theft--FCRA and Other Protections
Chapter 10, Claims for Consumer Reporting Disputes: Availability, Private Enforcement, State Claims, and Preemption
Chapter 11, Private Litigation: Pre-Filing Considerations
Chapter 12, Private Litigation: Litigating the FCRA Case
Chapter 13, Public Enforcement
Chapter 14, Practical Advice on Consumer Reporting
Chapter 15, Investigative Consumer Reports
Chapter 16, Credit Scoring
Chapter 17, Credit Repair Legislation
Chapter 18, Privacy Protection
Appendix A, Fair Credit Reporting Act
Appendix B, FCRA Regulations, Interpretations, and Guidelines
Appendix C, FCRA Model Forms
Appendix D, FTC Staff Summary
Appendix E, Index to CFPB Bulletins and Federal Trade Commission Informal Staff Opinion Letters with FCRA Sections
Appendix F, Credit Repair Organizations Act
Appendix G, The Gramm-Leach-Bliley Act
Appendix H, Summary of State Laws on Consumer Reporting, Identity Theft, Credit Repair, and Security Freezes
Appendix I, Sample Credit Reports and Industry Forms
Appendix J, Sample Complaints
Appendix K, Sample Settlement Language to Address Credit Reporting
Appendix L, Government Enforcement Orders
Appendix M, Consumer Guides to Credit Reporting and Credit Scores (Appropriate for General Distribution)
Appendix N, Fair Credit Reporting Related Websites
Appendix O, List of Consumer Reporting Agencies and Other Database Companies

Mortgage Lending
Chapter 10, Mortgage Litigation
Appendix C, Real Estate Settlement Procedures Act

Truth in Lending
Appendix B, Regulation Z
Appendix C, Official Interpretations of Regulation Z

September 2017

Foreclosures and Mortgage Servicing
Chapter 8, Legal Defenses to Home Foreclosures

August 2017

Consumer Arbitration Agreements
Chapter 4, Federal Limits on the Enforceability of Arbitration Requirements

Consumer Bankruptcy Law and Practice
Appendix C, Bankruptcy Policies, Regulations, Fees, and Agency Notices

Consumer Credit Regulation
​Appendix D, Summaries of State Closed-End Installment Loan Statutes
​Appendix E, Summaries of State Open-End Credit Statutes

Foreclosures and Mortgage Servicing
Chapter 3, Federal Mortgage Servicing Law
Chapter 8, Legal Defenses to Home Foreclosures

Mortgage Lending
Chapter 4, State Law Claims and Defenses to Abusive Mortgage Lending
Chapter 8, Interest and Other Loan Terms
Chapter 12, Land Installment Contracts

July 2017

Fair Debt Collection
Chapter 4, Persons and Transactions Covered by the Fair Debt Collection Practices Act

Mortgage Lending
Chapter 3, Federal Laws Relevant to Abusive Mortgage Lending
Chapter 6, Ability to Repay, Steering, Loan Churning, Property Flipping, and Appraisal Fraud
Chapter 7, Mortgage Brokers and Other Third Parties: Charges and Abuses
Chapter 8, Interest and Other Loan Terms
Chapter 9, Reverse Mortgages

June 2017

Consumer Arbitration Agreements
Chapter 6, Unconscionability and Other Contract Law Defenses to Arbitration Clauses

Mortgage Lending
Chapter 1 Background
Chapter 2, Analyzing a Mortgage Lending Origination Case
Chapter 5, Preemption of State Laws that Conflict with Federal Banking Laws
Appendix A State Mortgage Lending Statutes
Appendix B State Predatory Lending Statutes

Student Loan Law
Chapter 13, Student Litigation; Oversight of For-Profit Schools

May 2017

Consumer Arbitration Agreements
Chapter 7, Arbitration Clause’s Applicability to Particular Claims or Parties

Consumer Credit Regulation
Chapter 5, Credit Math: Calculating Interest and Rebates
Chapter 12, Auto Title Loans
Appendix D, Summaries of State Closed-End Installment Loan Statutes
Appendix E, Summaries of State Open-End Credit Statutes

Federal Deception Law (3d ed. 2017)
Chapter 1, First Considerations
Chapter 2, FTC Trade Regulation Rules
Chapter 3, Consumer Financial Protection Bureau UDAAP Standards
Chapter 4, The FTC Holder Rule and State Law Counterparts
Chapter 5, Telemarketing Fraud: The FTC Rule and State Counterparts
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam
Chapter 7, The Federal Racketeer Influenced and Corrupt Organizations Act (RICO)
Chapter 8, State RICO and Civil Theft Statutes
Chapter 9, The Federal False Claims Act
Chapter 10, Regulation of Debt Relief Services
Chapter 11, Other Statutes Protecting Consumers
Appendix A, FTC Trade Regulation Rules
Appendix B, Selected Consumer Financial Protection Act Provisions
Appendix C, Federal Regulation of Telemarketing, Robocalls, Junk Faxes, and Spam
Appendix D, State Telemarketing Statutes Summarized
Appendix E, Federal RICO Statute
Appendix F, State RICO Statutes Summarized
Appendix G, Federal False Claims Act
Appendix H, State False Claims Act Statutes Summarized
Appendix I, State Debt Relief Statutes Summarized
Appendix J, Mailing of Unordered Merchandise
Appendix K, Restore Online Shoppers’ Confidence Act
Appendix L, Federal Computer Fraud Abuse Act

Mortgage Lending
Chapter 11, Litigating Claims When a Bank Fails

Student Loan Law
Chapter 13, Student Litigation; Oversight of For-Profit Schools

April 2017

Consumer Credit Regulation
Chapter 1, Background
Chapter 3, Federal Preemption and the Applicable State Statute
Chapter 4, Interest, Points, Fees, and Delinquency Charges
Chapter 9, Payday Loans
Chapter 13, Rent-to-Own
Chapter 14, “Sale” of Future Payment Streams

Credit Discrimination
Chapter 7, Redlining

Consumer Warranty Law
Chapter 6, Avoiding Vertical and Horizontal Privity Requirements
Chapter 7, Establishing Breach of Warranty: Notice, Standards, Proof, and Defenses
Chapter 8, UCC Self-Help Remedies: Cancellation of the Sale; Deducting Damages from the Outstanding Balance
Chapter 9, Ten Ways to Avoid Contractual Limitations on Remedies
Chapter 10, UCC Damages
Chapter 11, Deception, Unfairness, Unconscionability, Lack of Good Faith, and Fraud
Chapter 12, Negligence and Strict Liability in Tort
Chapter 13, Litigating Warranty Cases
Chapter 14, New Vehicles and Motor Homes: Lemon Laws, Other Remedies
Chapter 15, Used Cars
Chapter 16, Wheelchairs and Other Assistive Devices
Chapter 17, Manufactured Home Sales
Chapter 18, New Home Sales
Chapter 19, Automobile Repair, Home Improvements, and Other Services
Chapter 20, Service Contracts, Extended Warranties, and Mechanical Breakdown Insurance
Chapter 21, Leases
Appendix A, Magnuson-Moss Warranty Act
Appendix B, Magnuson-Moss Warranty Act Rules and Interpretations
Appendix C, National Manufactured Housing Construction and Safety Standards Act
Appendix D, FTC Used Motor Vehicle Trade Regulation Rule
Appendix E, Uniform Commercial Code Warranty Provisions
Appendix F, State-by-State Analysis of New Car Lemon Laws
Appendix G, State-by-State Analysis of Service Contract Laws and Regulations
Appendix H, State-by-State Analysis of New Home and Condominium Warranty Laws
Appendix I, Sample Notices of Rejection, Revocation, or Deduction of Damages
Appendix J, Sample Pleadings
Appendix K, Useful Warranty Law Websites

March 2017

Consumer Arbitration Agreements
Chapter 8, Waiver of the Right to Compel Arbitration
Chapter 9, Arbitration of Claims on a Classwide Basis

Consumer Bankruptcy Law and Practice
Chapter 15, The Discharge: Protecting It and Using It
Chapter 16, Attorney Fees for Debtor’s Counsel and Attorney Duties in Consumer Bankruptcy Cases

Credit Discrimination
Chapter 5, Discrimination in Pre-Application and Application Procedures
Chapter 9, Discrimination Subsequent to the Granting of Credit
Chapter 12, Government Enforcement
Appendix J, Bibliography of Social Science Research on Credit Discrimination Issues

Consumer Warranty Law
Chapter 1, Introductory Materials
Chapter 2, The Magnuson-Moss Warranty Act
Chapter 3, Express Warranties
Chapter 4, Implied Warranties
Chapter 5, Fourteen Ways to Defeat Warranty Disclaimers

Foreclosures & Mortgage Servicing
Chapter 1, Introduction
Chapter 5, Loan Modification and Loss Mitigation Options for Privately Held Mortgages
Chapter 12, Issues Arising After a Foreclosure Sale

Mortgage Lending
Appendix C, Real Estate Settlement Procedures Acts

Repossessions (9th ed 2017)
Chapter 1, Introduction
Chapter 2, Scope and Sources of Law
Chapter 3, Enforceable Security Interests
Chapter 4, Default As Precondition to Seizure
Chapter 5, Replevin
Chapter 6, Self-Help Repossession
Chapter 7, Unsecured Personal Property Taken During Repossession
Chapter 8, Using Bankruptcy to Prevent Repossessions
Chapter 9, Disposition of Repossessed Collateral Other Than by Creditor’s Sale: Reinstatement, Redemption, Strict Foreclosure, Sheriff’s Sale, and Consumer’s Sale
Chapter 10, Creditor’s Sale of the Collateral
Chapter 11, Determining the Deficiency or Surplus
Chapter 12, Defending a Deficiency Action
Chapter 13, Affirmative Consumer Remedies in Repossession Cases
Chapter 14, Consumer Leases
Chapter 15, Liens
Appendix A, Selected Uniform Commercial Code Provisions
Appendix B, Summary of State Repossession Laws
Appendix C, Federal Statutes and Regulations Relevant to Repossession
Appendix D, Sample Answers and Complaints
Appendix E, Sample Repossession Discovery and Request for Admissions

Student Loan Law
Chapter 5, Pre-Default Servicing of Federal Student Loans
Chapter 8, Federal Student Loan Collection: The Federal Collection System, Private Collection Agencies, and Defenses to Collection Actions
Appendix A, Federal Student Loan Statutes
Appendix B, Federal Regulations

Truth in Lending
Chapter 2, Scope
Chapter 7, Substantive Protections for Credit Cards and Other Open-End Credit
Chapter 8, Home Equity Lines of Credit (HELOCs) and Reverse Mortgages
Chapter 11, Consumer Remedies
Appendix B Regulation Z
Appendix C Official Interpretations of Regulation Z

February 2017

Credit Discrimination
Chapter 2, Scope
Chapter 3, Prohibited Bases for Discrimination
Chapter 4, Proving Credit Discrimination
Chapter 10, ECOA Procedural Requirements

Fair Credit Reporting
Chapter 3, Access to and Examination of the Consumer’s File

Fair Debt Collection
Appendix D, Summary of State Debt Collection Statutes

Foreclosures & Mortgage Servicing
Chapter 1, Introduction
Chapter 9, Defending Foreclosures by Challenging Unfair Lending Practices
Appendix I, Summary of State Condominium Laws

Mortgage Lending
Appendix H, Other Substantive Mortgage Restrictions
Appendix K, Loans Insured by Federal Agencies

January 2017

Consumer Arbitration Agreements
Chapter 4, Federal Limits on the Enforceability of Arbitration Requirements
Chapter 8, Waiver of the Right to Compel Arbitration

Consumer Banking and Payments Law
Chapter 9, Federal Government Direct Deposits to Consumer Accounts

Consumer Bankruptcy Law and Practice
Chapter 10, Banker’s Setoff and Security Interests in Bank Accounts
Chapter 11, Dealing with Secured Creditors
Chapter 12, Issues Arising in Chapter 13 Cases
Chapter 13, Dismissal or Conversion of a Bankruptcy Case
Chapter 18, Consumers As Creditors in Bankruptcy: Selected Topics

Consumer Credit Regulation
Chapter 10, Installment Loans

Fair Credit Reporting
Chapter 15, Credit Repair Legislation

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam

Foreclosures & Mortgage Servicing
Chapter 2, Mortgage Servicing Abuses
Chapter 5, Loan Modification and Loss Mitigation Options for Privately Held Mortgages
Chapter 10, Litigating Mortgage Defenses and Claims
Chapter 18, Foreclosure Rescue Scams

Student Loan Updates
Chapter 2, Mortgage Servicing Abuses
Chapter 4, Postponing Repayment on Federal Student Loans
Chapter 6, Implications of Student Loan Defaults
Chapter 9, Property and Asset Seizures to Collect Federal Student Loans
Chapter 12, Private Student Loans

Truth in Lending
Chapter 5, Specific Closed-End Disclosures
Chapter 6, Disclosures for Credit Cards and Other Non-Home-Secured Open-End Credit
Chapter 10, Truth in Lending Rescission Rights
Chapter 12, Creditor Defenses and Counterclaims

New Print Editions with All Chapters and Appendices Also Revised Online
Access to Utility Service (6th ed. May 2018)
Automobile Fraud (5th ed. Aug. 2015)
Collection Actions (4th ed. Oct. 2017)
Consumer Arbitration Agreements (7th ed. Mar. 2015)
Consumer Banking and Payments Law (6th ed. 2018)
Consumer Bankruptcy Law and Practice (11th ed. May 2016) (2 volumes)
Consumer Class Actions (9th ed. Oct. 2016)
Consumer Credit Regulation (2d ed. Nov. 2015)
Consumer Warranty Law (5th ed. Nov. 2015)
Credit Discrimination (7th ed. Aug. 2018)
Fair Credit Reporting (9th ed. Oct. 2017) (2 volumes)
Fair Debt Collection (9th ed. Feb. 2018) (2 volumes)
Federal Deception Law (3d ed. May 2017)
Repossessions (9th ed. Mar. 2017)
Student Loan Law (5th ed. Mar. 2015)
Truth in Lending (9th ed. Mar. 2015) (2 volumes)
Unfair and Deceptive Acts and Practices (9th ed. Nov. 2016)

Archive of Past Chapter Updates