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BACK TO BASICS, Continued—Safeguarding Consumer Information, Again

USA - July 8 2020 I frequently write about a creditor’s duty to safeguard customer information. See for example, here and here. This is an important duty that arises…

BACK TO BASICS, Continued—Equal Credit Opportunity Again!

USA - June 30 2020 The requirements of the Equal Credit Opportunity Act (ECOA) and its enforcing Regulation B are pretty well known. After all, the ECOA is one of the…

BACK TO BASICS, Continued—Revising the Contract When the Servicemember Invokes Protection Under the Servicemembers Civil Relief Act (SCRA)

USA - June 23 2020 For those who have been paying attention, it comes as no surprise that men and women joining the armed forces have the right to an adjustment of an…

BACK TO BASICS, Continued—Electronic Signatures

USA - June 16 2020 I wrote a blog about doing business electronically last year. See the blog here. I want to revisit this issue with you because of the COVID-19…

BACK TO BASICS, Continued—Is a Charge Assessed to the Consumer for Use of a Debit Card a Finance Charge?

USA - June 9 2020 In August of 2018, I published a Back to Basics blog in the form of a test or challenge. I named 13 fees and challenged you to respond as to whether…