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FTC sends FCRA warning to providers of rental histories

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • April 10 2013

The Federal Trade Commission continues to keep Fair Credit Reporting Act (FCRA) enforcement at the forefront of its activities, as shown by its

HUD issues final ‘discriminatory effects’ rule

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • February 12 2013

The Department of Housing and Urban Development has issued a final rule that provides that if a practice has a "discriminatory effect," HUD or a

Mortgage foreclosure is debt collection under the FDCPA, Sixth Circuit holds

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • January 23 2013

Lawyers whose principal business is mortgage foreclosure or who regularly handle mortgage foreclosures are "debt collectors" subject to the Fair Debt

CFPB confirms mortgage loan originators may participate in qualified 401(k) plans

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • April 3 2012

The Consumer Financial Protection Bureau has confirmed that Regulation Z (which implements the Truth in Lending Act) does not prohibit mortgage loan originators from participating in qualified profit-sharing 401(k) or employee stock ownership plans (Qualified Plans

HUD rule targets sexual orientation and gender identity discrimination by FHA lenders

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • February 13 2012

To combat discrimination in its programs based on sexual orientation or gender identity, the U.S. Department of Housing and Urban Development published a final rule on February 3, 2012, that includes new prohibitions directed at FHA lenders

Supreme Court to decide critical disparate impact questions under the Fair Housing Act

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • November 17 2011

In a case that could have both direct and indirect impacts on consumer finance litigation, the U.S. Supreme Court has agreed to decide whether plaintiffs suing under the Fair Housing Act may bring disparate impact claims and, if so, the proper test for such claims

U.S. Supreme Court to decide if RESPA unearned fee prohibition requires fee split

  • Ballard Spahr LLP
  • -
  • USA
  • -
  • October 14 2011

The U.S. Supreme Court has agreed to hear a case that will decide whether the Real Estate Settlement Procedures Act (RESPA), which is directed at residential mortgage lending, prohibits a real estate settlement service provider from charging an unearned fee if the provider shares the fee with at least one other party, but not if the provider retains the entire fee