Updated or Revised Chapters and Appendices Online

April 2026

Credit Discrimination

• Appendix F, State Credit Discrimination Laws
• Appendix J, Bibliography of Social Science Research on Credit Discrimination Issues

March 2026

Access to Utility Service

• Chapter 4, Metering Issues: Metering Errors, Master Metering, Submetering, Prepayment Meters, Advanced Meters

Collection Actions

• Chapter 10, Federal Administrative Agency Collections

Consumer Credit Regulation

• Chapter 5, What Is Interest? What Is a Loan?
• Chapter 10, Payday Loans, Earned Wage Advances, and Similar Cash Advances

Consumer Warranty Law

• Chapter 18, New Home Warranties
• Chapter 19, Automobile Repair, Home Improvements, and Other Services
• Chapter 20, Service Contracts, Extended Warranties, and Mechanical Breakdown Insurance
• Chapter 21, Leases

Credit Discrimination

• 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 8, Discrimination Law Challenges to Predatory Lending and Unfair Pricing
• Chapter 10, ECOA Procedural Requirements
• Chapter 11, Litigating a Credit Discrimination Case

Mortgage Servicing and Loan Modifications

• Chapter 1, Introduction
• Chapter 2, Common Mortgage Servicing Problems
• Chapter 3, Servicing Requirements Under the Real Estate Settlement Procedures Act
• Chapter 4, Other Federal Statutes Impacting Loan Servicing
• Chapter 5, State Law Servicing Claim
• Chapter 6, Loss Mitigation and Loan Modifications
• Chapter 7, Loss Mitigation Options for Fannie Mae and Freddie Mac Mortgages
• Chapter 8, Loss Mitigation for FHA-Insured Loans
• Chapter 9, Loss Mitigation for Loans Insured by the Department of Veterans Affairs or the Rural Housing Service
• Chapter 10, Legal Claims for Failure to Handle Loss Mitigation Properly
• Chapter 11, Litigating Mortgage Servicing Claims
• Appendix A, Federal Mortgage Servicing Law
• Appendix B, Selected Statutes and Regulations Pertaining to Mortgages Held or Insured by the Federal Government
• Appendix C, Agency Guidance, Consent Orders, Program Guidelines, and Policy Statements
• Appendix D, Summary of State Mortgage Servicing, Payoff Statement, and Mortgage Discharge Laws
• Appendix F, Sample Pleadings
• Appendix H, Helpful Websites

February 2026

Collection Actions

• Chapter 11, Criminal Justice Debt

Credit Discrimination

• Chapter 7, Redlining
• Chapter 9, Discrimination Subsequent to the Granting of Credit
• Chapter 12, Government Enforcement

Fair Credit Reporting

• Chapter 16, Credit Scoring
• Chapter 18, Privacy Protection

Federal Deception & Abuse Law

• Appendix F, State RICO Statutes Summarized

Mortgage Servicing and Loan Modifications

• Appendix G, Glossaries

Student Loan Law

• Chapter 6, Implications of Student Loan Defaults
• Chapter 8, Federal Student Loan Collection and Defenses
• Chapter 14, Tax Implications of Student Loan Discharges

Truth in Lending

• Chapter 10, Truth in Lending Rescission Rights

January 2026

Access to Utility Service

• Chapter 4, Metering Issues: Metering Errors, Master Metering, Submetering, Prepayment Meters, Advanced Meters
• Chapter 6, Termination of Utility Service and Termination Protections

Automobile Fraud

• Appendix E, State-by-State Information on Requesting Title Histories

Collection Actions

• Chapter 11, Criminal Justice Debt

Consumer Banking and Payments Law 

• Chapter 5, Overdraft and Non-Sufficient Funds (NSF) Fees
• Chapter 12, Banker’s Setoff and Security Interests in Bank Accounts

Consumer Class Actions

• Chapter 10, Class Certification
• Chapter 11, The Class Certification Motion and Briefs
• Chapter 15, The Court Settlement Approval Process
• Chapter 16, Claims Administration and Distribution of Benefits
• Chapter 19, Attorney Fees

Consumer Credit Regulation

• Chapter 10, Payday Loans, Earned Wage Advances, and Similar Cash Advances
• Chapter 12, Motor Vehicle, Manufactured Home, and Other Installment Sales

Consumer Warranty Law

• Chapter 15, Used Cars
• Chapter 16, Wheelchairs and Other Assistive Devices

Federal Deception & Abuse Law

• Chapter 6, Unwanted Voice Calls, Texts, and Junk Faxes
• Chapter 7, The Telephone Consumer Protection Act (TCPA): Remedies and Litigation
• Chapter 8, The Federal Racketeer Influenced and Corrupt Organizations Act (RICO)

Home Foreclosures

• Chapter 1, Introduction
• Chapter 8, Litigating Foreclosure Cases
• Chapter 10, Issues Arising After a Foreclosure Sale
• Chapter 11, Manufactured Home Foreclosures and Repossessions
• Chapter 13, Forfeiture of Land Installment Sales Contracts
• Chapter 15, Preventing Foreclosure of Reverse Mortgages
• Chapter 17, Foreclosure Rescue Scams
• Appendix A, Selected Provisions of the Servicemembers Civil Relief Act
• Appendix B, Selected Statutes and Regulations Pertaining to Mortgages Held or Insured by the Federal Government
• Appendix D, Summary of State Reverse Mortgage Laws
• Appendix F, Summary of State Real Estate Tax Abatement Laws
• Appendix G, Summary of State Tax Lien Foreclosure Laws

Mortgage Lending

• Chapter 1, Background
• Chapter 2, Mortgage Basics
• Chapter 3, Preparing a Mortgage Origination Case
• Chapter 14, Litigating Claims When a Bank Fails

Mortgage Servicing

• Chapter 8, Loss Mitigation for FHA-Insured Loans

Student Loan Law

• Chapter 7, Repayment Strategies for Getting Out of Federal Student Loan Default
• Chapter 9, Seizures of Income and Assets to Collect Federal Student Loans
• Chapter 11, Public Service Loan Forgiveness and Other Profession-Related Discharges
• Chapter 15, Discharging Student Loans in Bankruptcy

Truth in Lending

• Appendix B, Regulation Z and Historical Chart
• Appendix C, Official Interpretations of Regulation Z

Unfair and Deceptive Acts and Practices

• Chapter 7, Motor Vehicle Sales, Rentals, and Repair
• Chapter 8, Home and Home-Related Transactions

December 2025

Access to Utility Service

• Chapter 3, Tenant Strategies for Maintaining Service
• Chapter 11, Affordable Water Service
• Chapter 12, Bankruptcy Issues: When Either the Consumer or Landlord Files for Bankruptcy

Collection Actions

• Chapter 9, Medical Debt

Consumer Banking and Payments Law

• Chapter 9, International Remittances, Person-to-Person (P2P) Transfers, Money Services Businesses, and Wire Transfers

Consumer Class Actions

• Chapter 1, Case and Claims Selection, Other First Considerations
• Chapter 2, Forum Selection
• Chapter 4, Choosing the Class Definition
• Chapter 6, Plaintiff’s Preliminary Actions to Protect the Class
• Chapter 7, The Defendant’s Response: Preliminary Motions, Individual Settlement Offers, Counterclaims, and More
• Chapter 14, Negotiations and Settlement
• Appendix C, Survey of State Class Action Law—2026

Consumer Credit Regulation

• Chapter 2, Statutes Restricting Credit Terms
• Chapter 3, Federal Choice of Law as to Interest Rates
• Chapter 11, Installment Loans
• Chapter 12, Motor Vehicle, Manufactured Home, and Other Installment Sales
• Chapter 13, Auto Title Loans
• Chapter 14, Rent-to-Own and Leases

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

Fair Credit Reporting

• Chapter 3, Access to and Examination of the Consumer’s File

Fair Debt Collection (11th ed. 2026)

• Chapter 1, Introduction
• Chapter 2, Overview of Initial Steps in Bringing an FDCPA Case
• Chapter 3, Overview of the Fair Debt Collection Practices Act
• Chapter 4, Coverage and Definitions, FDCPA § 1692a
• Chapter 5, FDCPA §§ 1692b, 1692c: Collector Communications with Consumers, Third Parties
• Chapter 6, Harassing, Oppressive, or Abusive Conduct; FDCPA § 1692d
• Chapter 7, FDCPA § 1692e: False, Deceptive, or Misleading
• Chapter 8, FDCPA § 1692f: Unfair or Unconscionable Collections
• Chapter 9, Validation Notices, Disputes, and Verification, FDCPA § 1692g
• Chapter 10, FDCPA §§ 1692h, 1692i, 1692j: Applying Payments; Distant Forum Abuse; False Impression of Debt Collector Involvement
• Chapter 11, FDCPA Litigation and Remedies
• Chapter 12, Article III Constitutional Standing As Applied to the FDCPA
• Chapter 13, Debt Collectors’ Defenses and Counterclaims
• Chapter 14, Bankruptcy and Affirmative Claims Arising from Debt Collection
• Chapter 15, Other Federal Claims
• Chapter 16, Tort Remedies
• Chapter 17, Other State Remedies
• Appendix A, Text of the Fair Debt Collection Practices Act
• Appendix B, CFPB Regulations and Interpretations
• 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, The FDCPA Case Connector, Practice Tools, Pleadings, Primary Sources
• Appendix G, Abbreviations Commonly Used by Collectors
• Appendix H, Debt Collection on the Web
• Appendix I, State-by-State Analysis of State Court Standing Requirements

Federal Deception & Abuse Law

• Chapter 2, FTC Trade Regulation Rules
• Chapter 9, State RICO, Civil Theft, and Related Statutes
• Chapter 12, Other Statutes Protecting Consumers

November 2025

Collection Actions

• Chapter 9, Medical Debt

Consumer and Worker Arbitration Provisions

• Chapter 10, Class, Mass, and Representative Arbitration

Consumer Banking and Payments Law

• Chapter 1, First Considerations

Consumer Bankruptcy Law and Practice

• Chapter 11, Dealing with Secured Creditors
• Appendix B, Federal Rules of Bankruptcy Procedure
• Appendix D, Official Bankruptcy Forms with Annotated Samples
• Appendix E, Director’s Procedural Forms

Consumer Credit Regulation

• Chapter 5, What Is Interest? What Is a Loan?
• Chapter 6, Credit Math: Calculating Interest and Rebates
• Chapter 8, Litigation
• Chapter 15, “Sale” of Pensions, Structured Settlements, Potential Litigation Recoveries, Future Income, and Other Payment Streams
• Appendix D, Summaries of State Closed-End Installment Loan Statutes

Consumer Warranty Law

• Chapter 1, Introductory Materials
• Chapter 3, Express Warranties
• Chapter 4, Implied Warranties
• Chapter 5, Fourteen Ways to Defeat Warranty Disclaimers

Home Foreclosures

• Chapter 6, Government Insured Loans and Moratoriums
• Chapter 9, Using Bankruptcy to Prevent Foreclosure
• Chapter 14, Condominium and Homeowner Association Liens and Foreclosures

Mortgage Lending

• Chapter 6, Preemption of State Laws That Conflict with Federal Banking Laws

Unfair and Deceptive Acts and Practices

• Chapter 2, UDAP Scope
• Chapter 8, Home and Home-Related Transactions
• Chapter 9, Services, Insurance, Opportunity Schemes, Other Transactions

October 2025

Collection Actions

• Chapter 6, Creditor Recovery of Attorney Fees, Collection Costs, Postjudgment Interest
• Chapter 7, Defending Military Personnel in Collection Actions
• Chapter 11, Criminal Justice Debt
• Chapter 14, Enforcement of Judgments: General Principles and Constitutional Issues
• Chapter 16, Protecting the Debtor’s Home, Tangible Personal Property, and Other Assets
• Chapter 17, Federal Administrative Agency Collections
• Appendix H, Summaries of State Exemption Laws

Consumer and Worker Arbitration Provisions

• Chapter 6, Waiver of the Right to Compel Arbitration
• Chapter 7, Federal Statutes and Rules Limiting Arbitration Requirements
• Chapter 8, Unconscionable and Other Unenforceable Arbitration Provisions
• Chapter 11, Judicial Review and Effect of the Arbitration Award

Consumer Banking and Payments Law

• Appendix E, Electronic Fund Transfers

Consumer Credit Regulation 

• Chapter 2, Statutes Restricting Credit Terms
• Chapter 4, Federal Preemption of State Non-Interest Regulation
• Chapter 10, Payday Loans, Earned Wage Advances, and Similar Cash Advances
• Appendix D, Summaries of State Closed-End Installment Loan Statutes
• Appendix E, Summaries of State Open-End Credit Statutes

Fair Credit Reporting

• Chapter 1, Introduction

Federal Deception & Abuse Law

• Chapter 10, The Federal False Claims Act and Other Whistleblower Laws
• Chapter 12, Other Statutes Protecting Consumers

Home Foreclosures

• Chapter 2, Authority to Foreclose
• Chapter 3, Challenging the Authority to Foreclose
• Chapter 4, Authority to Foreclose Special Issues: Servicers, GSE Loans, and MERS
• Chapter 5, Procedural and Equitable Defenses to Home Foreclosures
• Chapter 7, Defending Foreclosures by Challenging Unfair Lending Practices
• Chapter 12, Second Mortgage Foreclosures
• Chapter 16, Tax Liens and Tax Foreclosures
• Appendix E, Summary of State Foreclosure Laws
• Appendix H, Summary of State Condominium Laws

Unfair and Deceptive Acts and Practices

• Chapter 10, UDAP Liability of Various Parties
• Chapter 11, Litigating UDAP Cases
• Chapter 12, UDAP Private Remedies
• Chapter 13, State Agency Enforcement

September 2025

Access to Utility Service

• Chapter 8, The Low Income Home Energy Assistance Program (LIHEAP)

Automobile Fraud

• Appendix C, State Laws Relating to Automobile Fraud

Consumer and Worker Arbitration Provisions

• Chapter 2, Threshold Issues for Challenges to Arbitration Clauses
• Chapter 3, Federal Arbitration Act Relation to State Law
• Chapter 4, Formation of Agreement to Arbitrate
• Chapter 5, Arbitration Clause’s Applicability to Particular Claims or Parties

Consumer Banking and Payments Law

• Chapter 6, Deposited Funds Availability and Account Holds

Federal Deception & Abuse Law

• Chapter 2, FTC Trade Regulation Rules
• Chapter 3, Consumer Financial Protection Bureau UDAAP Standards
• Chapter 4, The FTC Holder Rule and State Law Counterparts

Student Loan Law

• Chapter 1, Getting Started
• Chapter 10, Statutory Discharges Based on School Misconduct
• Chapter 12, Discharges Based on Disability and Death
• Appendix A, Federal Student Loan Statutes

Unfair and Deceptive Acts and Practices

• Chapter 2, UDAP Scope
• Chapter 3, Demonstrating That a Practice Is a UDAP Violation
• Chapter 4, Deception, Unfairness, Unconscionability, and Abusiveness
• Chapter 5, General Sales and Performance Practices
• Chapter 6, Credit and Collections

August 2025

Automobile Fraud

• Chapter 2, Investigatory Techniques
• Appendix G, Sample Pleadings Available with Digital Version

Collection Actions

• Chapter 10, Federal Administrative Agency Collections
• Chapter 12, Other Special Collection Actions
• Chapter 15, Protecting Debtors’ Wages, Benefits, Other Income, and Bank Accounts

Consumer Banking and Payments Law

• Chapter 2, Deposit Accounts: Account Opening, Disclosures, Fees, and Account Closing
• Chapter 3, The Consumer’s Payment by Personal Check
• Chapter 4, Check Payments to Consumers
• Chapter 10, Electronic Benefit Transfer (EBT)

Consumer Class Actions

• Chapter 2, Forum Selection
• Chapter 7, The Defendant’s Response: Preliminary Motions, Individual Settlement Offers, Counterclaims, and More
• Chapter 10, Class Certification
• Chapter 12, Appeals of Certification Rulings
• Chapter 14, Negotiations and Settlement
• Chapter 19, Attorney Fees

Consumer Warranty Law

• Chapter 14, New Vehicles and Motor Homes: Lemon Laws, Other Remedies

Federal Deception & Abuse Law

• Chapter 3, Consumer Financial Protection Bureau UDAAP Standards
• Chapter 6, Unwanted Voice Calls, Texts, and Junk Faxes

Mortgage Lending

• Chapter 13, Mortgage Litigation

Mortgage Servicing and Loan Modifications 

• Chapter 8, Loss Mitigation for FHA-Insured Loans
• Chapter 9, Loss Mitigation for Loans Insured by the Department of Veterans Affairs or the Rural Housing Service

Repossessions (11th ed. 2025)

• Chapter 1, Getting Started
• 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, Reinstatement; Redemption; Strict Foreclosure; Sheriff's or 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 17, Predatory and For-Profit School Issues

Unfair and Deceptive Acts and Practices

• Chapter 1, First Considerations
• Chapter 2, UDAP Scope

July 2025

Automobile Fraud

• Chapter 8, Common Law Fraud, Deceit, and Misrepresentation
• Chapter 9, Warranty, Mistake, UDAP, RICO, Unconscionability, Negligence, and Contract Claims
• Chapter 10, Litigating Automobile Fraud Cases
• Appendix C, State Laws Relating to Automobile Fraud
• Appendix F, State Automobile Dealer Licensing Offices

Consumer Bankruptcy Law and Practice

• Chapter 1, About This Treatise
• Appendix F, Bankruptcy Intake Forms

Consumer Credit Regulation (4th ed. 2025)

• Chapter 1, Background
• Chapter 2, Statutes Restricting Credit Terms
• Chapter 3, Federal Choice of Law as to Interest Rates
• Chapter 4, Federal Preemption of State Non-Interest Regulation
• Chapter 5, What Is Interest? What Is a Loan?
• Chapter 6, Credit Math: Calculating Interest and Rebates
• Chapter 7, Credit Insurance and Debt Protection Products
• Chapter 8, Litigation
• Chapter 9, Credit Cards: Abuses, Regulation, and State Law Claims
• Chapter 10, Payday Loans, Earned Wage Advances, and Similar Cash Advances
• Chapter 11, Installment Loans
• Chapter 12, Motor Vehicle, Manufactured Home, and Other Installment Sales
• Chapter 13, Auto Title Loans
• Chapter 14, Rent-to-Own and Leases
• Chapter 15, “Sale” of Pensions, Structured Settlements, Potential Litigation Recoveries, Future Income, and Other Payment Streams
• Chapter 16, Tax-Time Financial Products: RALs, RACs, and Assignments
• Appendix A, Federal Credit Regulations
• Appendix B, State Lending Statutes
• Appendix C, Summaries of State Retail Installment Sales Acts
• Appendix D, Summaries of State Closed-End Installment Loan Statutes
• Appendix E, Summaries of State Open-End Credit Statutes
• Appendix F, Rate Exportation
• Appendix G, Preemption Based on OCC Regulation of Federal Depositories
• Appendix H, Preemption of Manufactured Home Loan Interest Rates
• Appendix I, Federal Credit Unions

Credit Discrimination

• Appendix J, Bibliography of Social Science Research on Credit Discrimination Issues

Federal Deception & Abuse Law

• Chapter 2, FTC Trade Regulation Rules
• Chapter 5, Telemarketing Fraud: The FTC Telemarketing Sales Rule and State Counterparts
• Chapter 7, The Telephone Consumer Protection Act (TCPA): Remedies and Litigation
• Appendix A, FTC Trade Regulation Rules

Truth in Lending

• Chapter 1, Overview
• Chapter 2, Scope
• Chapter 4, General Rules for Closed-End Credit Disclosures
• Chapter 9, Substantive Mortgage Regulation and TILA Mortgage Servicing Rules
• Chapter 11, Consumer Remedies
• Chapter 12, Creditor Defenses and Counterclaims
• Appendix B, Regulation Z and Historical Chart
• Appendix C, Official Interpretations of Regulation Z

Unfair and Deceptive Acts and Practices

• Chapter 13, State Agency Enforcement

June 2025

Automobile Fraud

• Chapter 4, Yo-Yo (Spot-Delivery) Abuses and Sublease Scams
• Chapter 5, Federal and State Odometer Requirements
• Chapter 6, Remedies for MVICSA and State Odometer Act Violations
• Chapter 7, Other Statutes Specifically Relating to Automobile Fraud

Collection Actions

• Chapter 3, Dismissal Before Reaching the Merits
• Chapter 4, Proof of the Merits of the Collector’s Claims
• Chapter 5, Defenses and Counterclaims
• Chapter 13, Challenging the Collector’s Judgment
• Chapter 18, Prevailing Consumers’ Postjudgment Actions

Consumer Banking and Payments Law

• Appendix C, Federal Check Regulation: Check 21, Funds Availability, and Check Collections

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
• Appendix B, Federal Rules of Bankruptcy Procedure
• Appendix C, Bankruptcy Policies, Regulations, Fees, and Agency Notices
• Appendix G, Sample Bankruptcy Pleadings and Other Forms
• Appendix H, Practice Aids
• Appendix I, Means Test Data
• Appendix K, Bankruptcy Client Handouts

Federal Deception & Abuse Law

• Chapter 2, FTC Trade Regulation Rules
• Chapter 3, Consumer Financial Protection Bureau UDAAP Standards
• Chapter 11, Regulation of Debt Relief Services

Mortgage Servicing and Loan Modifications

• Chapter 12, Homeowner Rights During Natural Disasters and COVID-19

Unfair and Deceptive Acts and Practices

• Chapter 11, Litigating UDAP Cases
• Chapter 12, UDAP Private Remedies

May 2025

Automobile Fraud

• Chapter 1, Introduction and Practice Checklists

Collection Actions

• Appendix H, Summaries of State Exemption Laws

Consumer and Worker Arbitration Provisions

• Chapter 4, Formation of Agreement to Arbitrate
• Chapter 5, Arbitration Clause’s Applicability to Particular Claims or Parties
• Chapter 6, Waiver of the Right to Compel Arbitration
• Chapter 7, Federal Statutes and Rules Limiting Arbitration Requirements
• Chapter 8, Unconscionable and Other Unenforceable Arbitration Provisions
• Chapter 10, Class, Mass, and Representative Arbitration
• Chapter 11, Judicial Review and Effect of the Arbitration Award

Consumer Banking and Payments Law

• Appendix A, Uniform Commercial Code Provisions on Consumer Checking

Consumer Bankruptcy Law and Practice

• Appendix J, Summaries of State Exemption Laws
• Appendix L, Helpful Websites

Consumer Class Actions

• Chapter 6, Plaintiff’s Preliminary Actions to Protect the Class
• Chapter 11, The Class Certification Motion and Briefs

Federal Deception & Abuse Law

• Chapter 1, First Considerations
• Chapter 3, Consumer Financial Protection Bureau UDAAP Standards
• Appendix A, FTC Trade Regulation Rules

Truth in Lending

• Chapter 8, Home Equity Lines of Credit (HELOCs) and Reverse Mortgages
• Chapter 12, Creditor Defenses and Counterclaims
• Chapter 13, Consumer Leasing Act

April 2025

Consumer and Worker Arbitration Provisions

• Chapter 2, Threshold Issues for Challenges to Arbitration Clauses

Consumer Banking and Payments Law

• Chapter 1, First Considerations
• Chapter 7, Electronic Fund Transfers
• Chapter 11, Federal Benefit Payments

Consumer Bankruptcy Law and Practice

• Chapter 8, After the Papers Are Filed
• Chapter 9, Automatic Stays and Turnover of Property
• Chapter 10, Exemptions
• Chapter 11, Dealing with Secured Creditors
• Chapter 12, Issues Arising in Chapter 13 Cases
• Chapter 13, Dismissal or Conversion of a Bankruptcy Case
• Chapter 14, Litigating in the Bankruptcy Court
• Chapter 18, Consumers as Creditors in Bankruptcy: Selected Topics
• Appendix E, Director’s Procedural Forms

Consumer Class Actions

• Chapter 1, Case and Claims Selection, Other First Considerations
• Chapter 2, Forum Selection
• 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 12, Appeals of Certification Rulings
• Chapter 13, Class Notice
• Chapter 14, Negotiations and Settlement
• Chapter 15, The Court Settlement Approval Process
• Chapter 18, Res Judicata and Collateral Estoppel
• Chapter 19, Attorney Fees
• Appendix D, State-by-State Analysis of State Court Standing Requirements

Mortgage Lending

• Chapter 4, Federal Laws Relevant to Abusive Mortgage Lending
• Chapter 10, Reverse Mortgages
• Appendix G, Federal Credit Union Regulation
• Appendix H, Other Substantive Mortgage Restrictions
• Appendix L, Federal Reverse Mortgage Provisions

Student Loan Law

• Chapter 16, Private Student Loans

March 2025

Access to Utility Service

• Chapter 9, Weatherization and Energy Efficiency Programs

Consumer Bankruptcy Law and Practice

• Chapter 6, Counseling the Consumer Debtor: Does Bankruptcy Provide the Best Solution and, If So, How and When?
• Appendix A, Bankruptcy Statutes

Consumer Warranty Law

• Chapter 18, New Home Sales

Credit Discrimination

• Chapter 7, Redlining
• Chapter 8, Discrimination Law Challenges to Predatory Lending and Unfair Pricing
• Chapter 11, Litigating a Credit Discrimination Case
• Appendix F, State Credit Discrimination Laws

Fair Debt Collection

• Chapter 4, Coverage and Definitions, FDCPA § 1692a
• Chapter 9, Validation Notices, Disputes, and Verification, FDCPA § 1692g

Federal Deception & Abuse Law

• Chapter 2, FTC Trade Regulation Rules
• Chapter 4, The FTC Holder Rule and State Law Counterparts
• Appendix A, FTC Trade Regulation Rules

Home Foreclosures

• Chapter 5, Procedural and Equitable Defenses to Home Foreclosures
• Chapter 7, Defending Foreclosures by Challenging Unfair Lending Practices
• Chapter 8, Litigating Foreclosure Cases
• Chapter 10, Issues Arising After a Foreclosure Sale
• Chapter 12, Second Mortgage Foreclosures
• Chapter 14, Condominium and Homeowner Association Liens and Foreclosures
• Chapter 16, Tax Liens and Tax Foreclosures
• Chapter 17, Foreclosure Rescue Scams
• Appendix G, Summary of State Tax Lien Foreclosure Laws
• Appendix H, Summary of State Condominium Laws

Mortgage Lending

• Chapter 9, Interest and Other Loan Terms
• Chapter 12, Other Nontraditional Mortgage Loans

Mortgage Servicing and Loan Modifications

• Chapter 2, Common Mortgage Servicing Problems
• Chapter 3, Servicing Requirements Under the Real Estate Settlement Procedures Act
• Chapter 4, Other Federal Statutes Impacting Loan Servicing
• Chapter 5, State Law Servicing Claims
• Chapter 7, Loss Mitigation Options for Fannie Mae and Freddie Mac Mortgages
• Chapter 8, Loss Mitigation for FHA-Insured Loans
• Chapter 9, Loss Mitigation for Loans Insured by the Department of Veterans Affairs or the Rural Housing Service
• Chapter 11, Litigating Mortgage Servicing Claims

Student Loan Law

• Chapter 5, Pre-Default Servicing of Federal Student Loans

Truth in Lending

• Chapter 9, Substantive Mortgage Regulation and TILA Mortgage Servicing Rules

February 2025

Collection Actions

• Chapter 11, Criminal Justice Debt

Consumer Bankruptcy Law and Practice

• Chapter 2, What Is Bankruptcy? Some General Concepts
• Chapter 3, Chapter 7 Bankruptcy (Straight Bankruptcy): The Basic Steps
• Chapter 4, Chapter 13 Bankruptcy: The Basic Steps
• Chapter 5, Getting All the Necessary Facts
• Chapter 7, Preparing and Filing the Papers

Consumer Credit Regulation

• Chapter 8, Credit Cards: Abuses, Regulation, and State Law Claims
• Chapter 11, Motor Vehicle, Manufactured Home, and Other Installment Sales

Credit Discrimination

• Chapter 4, Proving Credit Discrimination
• Chapter 5, Discrimination in Pre-Application and Application Procedures
• 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

Fair Debt Collection

• Chapter 8, FDCPA § 1692f: Unfair or Unconscionable Collections
• Chapter 11, FDCPA Litigation and Remedies

Federal Deception & Abuse Law

• Chapter 6, Unwanted Voice Calls, Texts, and Junk Faxes

Mortgage Lending

• Chapter 2, Mortgage Basics
• Chapter 3, Preparing a Mortgage Origination Case
• Chapter 5, State Law Claims and Defenses to Abusive Mortgage Lending
• Chapter 7, Ability to Repay, Steering, Loan Churning, Property Flipping, and Appraisal Fraud
• Chapter 8, Mortgage Brokers and Other Third Parties: Charges and Abuses

Repossessions

• Chapter 15, Liens
• Appendix A, Selected Uniform Commercial Code Provisions

Student Loan Law

• Chapter 10, Statutory Discharges Based on School Misconduct
• Chapter 18, Affirmative Litigation Involving Student Loans and Schools

Truth in Lending

• Chapter 11, Consumer Remedies

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, Deception, Unfairness, Unconscionability, and Abusiveness
• 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, UDAP Liability of Various Parties
• Chapter 11, Litigating UDAP Cases
• Chapter 12, UDAP Private Remedies
• Chapter 13, State Agency Enforcement
• Appendix A, Statute-by-Statute Analysis of State UDAP Statutes
• Appendix B, State-by-State Analysis of State Court Standing Requirements
• Appendix C, Useful Websites

January 2025

Access to Utility Service

• Appendix B, Telephone and Telecommunications Materials

Collection Actions

• Chapter 12, Other Special Collection Actions

Consumer and Worker Arbitration Provisions

• Chapter 2, Threshold Issues for Challenges to Arbitration Clauses
• Chapter 3, Federal Arbitration Act Relation to State Law
• Chapter 4, Formation of Agreement to Arbitrate
• Chapter 5, Arbitration Clause’s Applicability to Particular Claims or Parties
• Chapter 6, Waiver of the Right to Compel Arbitration
• Chapter 7, Federal Statutes and Rules Limiting Arbitration Requirements
• Chapter 8, Unconscionable and Other Unenforceable Arbitration Provisions
• Chapter 10, Class, Mass, and Representative Arbitration
• Chapter 11, Judicial Review and Effect of the Arbitration Award

Consumer Banking and Payments Law

• Appendix D, The Federal Trade Commission’s Telemarketing Sales Rule

Consumer Credit Regulation

• Chapter 3, Federal Preemption and the Applicable State Statute

Credit Discrimination

• Chapter 1, Introduction and First Considerations
• Chapter 2, Scope
• Chapter 12, Government Enforcement

Federal Deception & Abuse Law

• Chapter 6, Unwanted Voice Calls, Texts, and Junk Faxes
• Appendix C, Federal Regulation of Telemarketing, Robocalls, and Junk Faxes

Fair Debt Collection

• Chapter 7, FDCPA § 1692e: False, Deceptive, or Misleading

Mortgage Lending

• Chapter 1, Background

Repossessions

• Chapter 1, Introduction
• Chapter 13, Affirmative Consumer Remedies in Repossession Cases

Student Loan Law

• Appendix F, Directory of Guaranty Agencies

Surviving Debt (2025 ed.)

• 1 Six Essential Rules for Surviving Debt
• 2 Responding to Debt Collectors
• 3 What You Need to Know About Your Credit Report
• 4 Collection Lawsuits
• 5 Taking Out New Loans to Pay for Old Debts
• 6 Reverse Mortgages
• 7 Choices to Avoid at All Costs
• 8 Reducing Your Expenses
• 9 Options for Increasing Your Income
• 10 Keeping Track of Income, Expenses, and Debt
• 11 Medical Debt
• 12 Credit Card Debt
• 13 Student Loans
• 14 Car Loans, Leases, and Repossessions
• 15 Utility Terminations
• 16 What Every Homeowner Should Know About Mortgage Payments
• 17 When You Are Having Trouble Making Mortgage Payments
• 18 Defending Your Home from Foreclosure
• 19 Property Taxes and Tax Sales
• 20 Evictions and Getting Out of a Lease
• 21 Debts Involving an Abusive Partner
• 22 Civil Court Judgment Debt
• 23 Debts Related to Criminal and Government Fines and Fees
• 24 Federal Income Tax Debt
• 25 Deciding Whether and When to File Bankruptcy
• 26 How the Bankruptcy Process Works
• Glossary

Author

National Consumer Law Center