Unfair and Deceptive Acts and Practices (UDAP and UDAAP)
Model Consumer Credit Act (1973) (325 pages) builds on NCLCs 1970 National Consumer Act (NCA). It is also a response to the inadequacies of the Uniform Consumer Credit Code drafted by the National Commissioners on Uniform State Laws (now the Uniform Laws Commission). While covering many of the same topics as the NCA, it has more extensive treatment of assignee attempts to cut off liability, door-to-door sales, credit card errors, credit reporting, and injunctions and class actions.
National Consumer Act (1970) is a 156-page comprehensive model law covering many aspects of consumer protection. The NCA’s consumer credit provisions limit interest rates, late and other charges, and provide prepayment rights. It more generally establishes requirements as to disclosures and writings in consumer transactions and limits credit terms and creditor rights, such as restrictions on balloon payments, assignment of earnings, confession of judgments, holder-in-due-course status, attorney fees, and security interests.
Model Individual Tax Preparer Regulation Act (Rev. 2013) establishes a state Board of Individual Tax Preparers, sets out the board’s powers, and requirements for tax preparers concerning registration, bonding, periodic registration renewal, and enforcement powers,. The model law sets out disclosure requirements to consumers, prohibited practices for tax preparers, and private remedies for consumers.
NCLC’s Model Manufactured Home Community Stability and Preservation Act (2023) sets forth model language to give residents of manufactured home communities an opportunity to purchase their communities. It requires the community owner to give the residents—and a state agency, the local housing authority, and the local licensing or health and safety enforcement agency—advance notice of any prospective sale of the community. The notice must include the price, terms, and conditions that the community owner has provisionally accepted or is prepared to accept.