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September

Consumer Credit Regulation
Chapter 2, Statutes Restricting Credit Terms
Chapter 3, Federal Preemption and the Applicable State Statute
Chapter 7, Litigation
Chapter 8, Credit Cards: Abuses, Regulation, and State Law Claims
Chapter 12, Auto Title Loans
Chapter 13, Rent-to-Own
Chapter 15, Tax-Time Financial Products: RALs, RACs, and Assignments
Appendix A, Federal Credit Regulation
Appendix B ,State Lending Statutes

Fair Debt Collection
Chapter 3, Overview of the Fair Debt Collection Practices Act
Appendix A-1, Consumer Financial Protection Bureau Guidance on the Fair Debt Collection Practices Act

Federal Deception law
Chapter 4, The FTC Holder Rule and State Law Counterparts
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam
Chapter 11, Other Statutes Protecting Consumers
Appendix F, State RICO Statutes Summarized

Mortgage Lending
Chapter 2, Analyzing a Mortgage Lending Case
Chapter 5, Preemption of State Laws that Conflict with Federal Banking Laws

August

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

Fair Debt Collection
Chapter 2, Preparation of a Debt Collection Harassment Case
Appendix J, Fair Debt Collection Practices Act Case Summaries

Foreclosures & Mortgage Servicing
Appendix N, Summary of State Reverse Mortgage Laws

Mortgage Lending
Chapter 4, State Law Claims and Defenses to Abusive Mortgage Lending
Appendix O, Summary of State Reverse Mortgage Laws

July

Collection Actions
Chapter 3, Dismissal Before Reaching the Merits

Consumer Arbitration Agreements
Chapter 3, The Federal Arbitration Act and the Preemption of State Law
Chapter 7, Arbitration Clause’s Applicability to Particular Claims or Parties

Consumer Credit Regulation
Chapter 2, Statutes Restricting Credit Terms

Fair Credit Reporting
Chapter 5, Restrictions on Information in Consumer Reports

Fair Debt Collection
Chapter 2, Preparation of a Debt Collection Harassment Case
Chapter 4, Persons and Transactions Covered by the Fair Debt Collection Practices Act
Chapter 5, Protections and Rights Under the Fair Debt Collection Practices Act
Chapter 6, Fair Debt Collection Practices Act Litigation and Remedies
Chapter 7, Debt Collector’s Defenses and Counterclaims

Foreclosures and Mortgage Servicing
Chapter 3, Federal Mortgage Servicing Laws

Mortgage Lending
Chapter 1, Background

June

Automobile Fraud
Chapter 10, Litigating Automobile Fraud Cases
Appendix A, Federal Statutes
Appendix C, State Laws Relating to Automobile Fraud
Appendix D, State Statutes and Regulations Relating to Yo-Yo Sales
Appendix E, State-by-State Information on Requesting Title Histories
Appendix F, State Automobile Dealer Licensing Offices
Appendix G, Sample Pleadings Available Online
Appendix H, Websites Related to Automobile Fraud

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

Consumer Banking and Payments Law
Chapter 4, Check Payments to Consumers
Chapter 7, Prepaid, Gift, and Payroll Cards, Mobile Payments and Other Stored Value Systems

Consumer Credit Regulation
Chapter 6, Credit Insurance and Debt Protection Products

Fair Credit Reporting
Appendix M, Fair Credit Reporting Related Websites
Appendix N, List of Consumer Reporting Agencies and Other Database Companies

Federal Deception law
Chapter 5, Telemarketing Fraud: The FTC Rule and State Counterparts
Appendix C, Federal Regulation of Telemarketing, Junk Faxes, and Spam

Foreclosures and Mortgage Servicing
Chapter 3, Federal Mortgage Servicing Laws

May

Access to Utility Service
Chapter 13, Bankruptcy Issues

Automobile Fraud
Chapter 1, Introduction and Practice Checklist
Chapter 2, Investigatory Techniques
Chapter 3, Automobile Title Law
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
Chapter 8, Common Law Fraud, Deceit, and Misrepresentation
Chapter 9, Warranty, Mistake, UDAP, RICO, Unconscionability, Negligence, and Contract Claims

Consumer Bankruptcy Law and Practice
New 2016 11th Edition

Class Actions
Chapter 10, Class Certification
Appendix C, Survey of State Class Action Law—2015–2016

Collection Actions
Chapter 3, Dismissal Before Reaching the Merits
Chapter 7, Defending Military Personnel in Collection Actions
Appendix A, Selected Provisions of the Servicemembers Civil Relief Act
Appendix C, Federal Wage Garnishment Statute and Regulations

Consumer Credit Regulation
Chapter 5, Credit Math: Calculating Interest and Rebates

Fair Credit Reporting
Chapter 1, Introduction
Chapter 2, Scope: Consumer Reports and Consumer Reporting Agencies
Chapter 3, Obtaining and Examining a Report of the Consumer’s File
Chapter 4, Accuracy and Reinvestigation Obligations of Consumer Reporting Agencies
Chapter 5, Restrictions on 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 Remedies and Public Enforcement
Chapter 12, What Consumers Should Know About Consumer Reporting
Chapter 13, Investigative Consumer Reports
Chapter 14, Credit Scoring
Chapter 16, 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

Fair Debt Collection
Chapter 2, Preparation of a Debt Collection Harassment Case
Chapter 5, Protections and Rights Under the Fair Debt Collection Practices Act
Chapter 6, Fair Debt Collection Practices Act Litigation and Remedies
Chapter 7, Debt Collector’s Defenses and Counterclaims
Chapter 8, Other Federal Claims

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

Truth in Lending
Chapter 11, Consumer Remedies

April

Collection Actions
Chapter 6, State Restrictions on the Recovery of Attorney Fees and Other Collection Expenses
Appendix G, Summaries of State Exemption Laws

Consumer Banking and Payments Law
Chapter 1, First Considerations
Chapter 2, The Bank-Customer Relationship: Account Opening, Closing, Statements, Fees and Interest

Consumer Credit Regulation
Chapter 1, Background
Chapter 4, Interest, Points, Fees, and Delinquency Charges

Chapter 11, Motor Vehicle, Manufactured Home, and Other Installment Sales
Chapter 14, “Sale” of Future Payment Streams
Appendix C, Summaries of State Retail Installment Sales Acts

Federal Deception Law
Chapter 4, The FTC Holder Rule and State Law Counterparts

Repossessions
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

March

Class Actions
Pleadings and Discovery: Jury Trial Voir Dire, Instructions, Verdict Forms

Collection Actions
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 8, Criminal and Civil Collection of Dishonored Checks
Chapter 10, Defending Consumers Against Collection by Federal Administrative Agencies
Chapter 11, Challenging a Collection Judgment
Chapter 12, Protecting Debtors from Creditors’ Postjudgment Remedies
Chapter 13, Prevailing Consumers’ Postjudgment Actions

Credit Disrimination
Chapter 2, Scope
Chapter 4, Proving Credit Discrimination
Chapter 5, Discrimination in Pre-Application and Application Procedures
Chapter 7, Redlining
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 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
Primary Sources: Federal Agency Amicus Briefs

Repossessions
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

Student Loan Law
Primary Sources
Pleadings and Discovery
Practice Tools

February

Class Actions
Chapter 8, Discovery

Credit Disrimination
Chapter 1, Introduction and First Considerations
Chapter 2, Scope
Chapter 3, Prohibited Bases for 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 9, Discrimination Subsequent to the Granting of Credit

Fair Credit Reporting
Chapter 15, Credit Repair Legislation

Federal Deception Law (New Second Edition)
Chapters 1 - 11
Appendices A - L

Foreclosures and Mortgage Servicing
Chapter 2, Mortgage Servicing Abuses
Chapter 7, Authority to Foreclose
Chapter 11, Using Bankruptcy to Prevent Foreclosure
Chapter 13, Manufactured Home Foreclosures and Repossessions
Chapter 14, Forfeiture of Land Installment Sales Contracts
Chapter 16, Preventing Foreclosure of Reverse Mortgages
Chapter 18, Foreclosure Rescue Scams
Appendix A, Federal Mortgage Servicing Law
Appendix B, Selected Statutes and Regulations Pertaining to Mortgages Held or Insured by the Federal Government
Appendix E, Summary of State Mortgage Servicing, Payoff Statement, and Mortgage Discharge Laws
Appendix F, Summary of State Foreclosure Laws
Appendix G, Summary of State Real Estate Tax Abatement Laws
Appendix M, Helpful Websites

Mortgage Lending
Appendix C, Real Estate Settlement Procedures Act

Student Loan Law
Chapter 1, Getting Started
Chapter 10, Statutory Discharges of Federal Student Loans
Chapter 13, Student Litigation; Oversight of For-Profit Schools
Appendix A, Federal Student Loan Statutes Introduction
Appendix B, Federal Regulations
Appendix E, State Statutes Regulating Private Postsecondary Schools
Appendix I, Federal Student Financial Assistance: Frequently Asked Questions
Appendix J, NCLC’s Student Loan Borrower Assistance Website
Appendix K, Student Loans on the Web

Truth in Lending
Appendix B, Historical Charts (a new appendix with a chart of all Federal Register notices re Reg. Z and Commentary since 1968)
Appendix C, Official Interpretations of Regulation Z

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

January

Consumer Banking and Payments Law
Chapter 6, Payments Outside of Bank Accounts: Money Orders, Cashier’s Checks, Domestic and International Remittances

Fair Debt Collection
Chapter 2, Preparation of a Debt Collection Harassment Case (new cir. ct. decisions)
Chapter 3, Overview of the Fair Debt Collection Practices Act (new cir. ct. decisions)
Chapter 4, Persons and Transactions Covered by the Fair Debt Collection Practices Act (new cir. ct. decisions)
Chapter 5, Protections and Rights Under the Fair Debt Collection Practices Act (new cir. ct. decisions)
Chapter 6, Fair Debt Collection Practices Act Litigation and Remedies (new cir. ct. decisions)
Chapter 7, Debt Collector's Defenses and Counterclaims (new cir. ct. decisions)
Appendix J, Fair Debt Collection Practices Act Case Summaries (new cir. ct. decisions)

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam (TCPA) (new Sup. Ct. decision, other new developments)

Foreclosures and Mortgage Servicing
Chapter 5, Loan Modification and Loss Mitigation Options for Privately Held Mortgages

Mortgage Lending
Chapter 7, Mortgage Brokers and Other Third Parties: Charges and Abuses
Chapter 8, Interest and Other Loan Terms
Chapter 10, Mortgage Litigation
Appendix A, State Mortgage Lending Statutes
Appendix B, State Predatory Lending Statutes
Appendix D, Truth in Lending Act Substantive Mortgage Regulation
Appendix E, National Bank Regulation
Appendix F, Federal Savings Association Regulation
Appendix G, Federal Credit Union Regulation
Appendix H, Other Substantive Mortgage Restrictions
Appendix I, Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDA)
Appendix J, Alternative Mortgage Transaction Parity Act
Appendix K, Loans Insured by Federal Agencies
Appendix L, Reverse Mortgages
Appendix M, Failed Bank Receivership Statutes
Appendix N, Websites Relating to Mortgage Lending Issues

Student Loan Law
Chapter 4, Postponing Repayment on Federal Student Loans
Chapter 9, Property and Asset Seizures to Collect Federal Student Loans
Chapter 11, Discharging Student Loans in Bankruptcy
Chapter 12, Private Student Loans

Truth in Lending
Chapter 10, Truth in Lending Rescission Rights
Chapter 11, Consumer Remedies
Chapter 12, Creditor Defenses and Counterclaims
Chapter 13, Consumer Leasing Act
Appendix A, The Truth in Lending Act

December

Consumer Banking and Payments Law
Chapter 7, Prepaid, Gift, and Payroll Cards, Mobile Payments and Other Stored Value Systems

Consumer Bankruptcy Law and Practice
Chapter 7, Preparing and Filing the Papers (How to Complete the new forms in effect as of Dec. 1)
Appendix D, Official Bankruptcy Forms with Annotated Samples (updated twice) (sample completed and annotated forms in effect as of Dec. 1)
Appendix E, Director's Procedural Forms (new director’s forms in effect as of Dec. 1)

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

Foreclosures and Mortgage Servicing
Chapter 1, About This Treatise
Chapter 4, Legal Challenges to Mortgage Servicing Abuses
Chapter 10, Litigating Mortgage Defenses and Claims
Chapter 12, Issues Arising After a Foreclosure Sale

Mortgage Lending
Chapter 4, State Law Claims and Defenses to Abusive Mortgage Lending
Chapter 5, Preemption of State Laws that Conflict with Federal Banking Laws
Chapter 6, Ability to Repay, Steering, Loan Churning, Property Flipping, and Appraisal Fraud
Chapter 9, Reverse Mortgages

Student Loan Law
Chapter 2, Taking Out a Federal Student Loan: Basic Terms and Conditions
Chapter 3, Pre-Default Repayment Options (updated twice) (new REPAYE plan for older student loans starting Dec. 17)
Chapter 5, Pre-Default Servicing of Federal Student Loans
Chapter 6, Implications of Student Loan Defaults
Chapter 7, Repayment Strategies for Getting Out of Federal Student Loan Default
Chapter 8, Federal Student Loan Collection: The Federal Collection System, Private Collection Agencies, and Defenses to Collection Actions

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 9, Substantive Mortgage Regulation

New Print Editions with All Chapters and Appendices Also Revised Online
Automobile Fraud (5th ed. Aug. 2015)
Bankruptcy Law and Practice (11th ed. May. 2016)
Consumer Arbitration Agreements (7th ed. March 2015)
Consumer Credit Regulation (2d ed. Nov. 2015)
Consumer Warranty Law (5th ed. Nov. 2015)
Federal Deception Law (2nd ed. Feb. 2016)
Student Loan Law (5th ed. March 2015)
Truth in Lending (9th ed. March 2015) (2 volumes)