2008 Innovations Awards Program Application
Application for now-expired North Carolina Program called "Upgrade and Save: Heat Pumps in Manufactured Homes."
Application for now-expired North Carolina Program called "Upgrade and Save: Heat Pumps in Manufactured Homes."
A detailed discussion of payment-option ARMs and an example of how to build an amortization schedule for such loans.
This 2024 NCLC report written by Nketiah “Ink” Berko and Sarah Bolling Mancini, highlights and evaluates the efficacy of various laws and policies aimed at helping owners of heirs property. The report divides those legal interventions into three sections: laws aimed at preventing immediate land loss; laws aimed at resolving heirs property and clarifying ownership status; and laws aimed at preventing heirs property from occurring in the future.
This is a 2023 amicus brief filed by EPIC and NCLC in a TCPA case asking the Ninth Circuit to rehear en banc the opinion below in Borden v. eFinancial, LLC, 53 F.4th 1230 (9th Cir. 2022). The amicus brief argues that the opinion unnecessarily guts the autodialer restriction. By inserting the phrase “number” into “random or sequential number generator,” the Borden decision ensures that the autodialer restriction will no longer cover the most common automated dialing equipment.
This is an FDCPA second amended complaint filed by M. Stan Herring of Watts and Herring in Birmingham, Alabama, alleging FDCPA violations under 15 USC ss. 1692c(a)(1), 1692e, 1692e(2), 1692e(4), 1692e(5), 1692e(10), 1692e(11), 1692f , 1692f(1), based on abusive phone calls and threats made before 8:00 AM, false threats of garnishment without a court judgment, and engaging in numerous other misrepresentations. The complaint alleges the defendant's liability under respondeat superior and alter ego.
This is an amicus brief submitted by the CFPB and FTC in support of the plaintiffs in Glover v. Ocwen Loan Servicing, LLC before the Eleventh Circuit , filed February 27, 2024. The brief argues in support of an FDCPA § 1692f(1) violation where debt collectors charge a fee on top of the consumer's payment to the collector (pay-to-pay fees) since the fees are not authorized by contract or law. The FDCPA violation does not apply only to fees incidental to the debt.
Note: This Bulletin was replaced by ACH Operations Bulletin #1-2014: Questionable ACH Debit Origination: Roles and Responsibilities of ODFIs and RDFIs (Sept. 30, 2014).
This is a sample co-counseling agreement between two law firms. It covers general cooperation and terms, attorney fees under a fee-shifting award or a common fund recovery, costs and expenses, right to terminate the agreement, and appeals and separate legal actions.
Note: This Bulletin was replaced by ACH Operations Bulletin #1-2014: Questionable ACH Debit Origination: Roles and Responsibilities of ODFIs and RDFIs (Sept. 30, 2014).
The FTC policy statement provides guidance regarding its enforcement of various statutes and FTC regulations addressing negative option marketing and operating.
This is a November 14, 2014, letter from a number of consumer groups and law firms representing consumers to the Director of FHFA concerning the fact that that Fannie Mae’s and Freddie Mac’s then current guidelines regarding the treatment of credit reporting disputes impinges on the rights of consumers under the Equal Credit Opportunity Act (ECOA). More importantly, lenders who reject applicants because of disputed tradelines because they are unwilling to manually underwrite the loan appear to be directly violating the ECOA.