Articles: 1-10 of 135
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—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…
Getting Your Stuff in Order
USA - June 3 2020 With uncertainty being our new normal, it is even more important that we all take time to get our affairs in order. We are all sailing into…
BACK TO BASICS, Continued—Direct Dispute Complaints v. e-OSCAR Referred Complaints
USA - June 2 2020 I've written in the past about Frivolous or Irrelevant Disputes and the obligations of finance companies under the Fair Credit Reporting Act's…
BACK TO BASICS, Continued—Consumer Complaints
USA - May 26 2020 In April, the CFPB received a record number of complaints about lenders—42,774 to be exact. According to CFPB Director Kraninger, the Bureau…
BACK TO BASICS, Continued—Rethinking the Value of Credit Insurance Products
USA - May 19 2020 Credit sellers and lenders are continually challenged about the value of credit insurance that may be offered to consumers as part of a sale or loan…
BACK TO BASICS, Continued—The Value of Consumer Finance
USA - May 12 2020 One of my early blogs addressed the value of consumer finance in the day-to-day lives of Americans. I wrote about the unique place that finance…
BACK TO BASICS, Continued—Let’s Be Very Careful What We Say!
USA - April 28 2020 While I don't think about this often, the fact is that many consumer finance company lenders and credit sellers are themselves commercial borrowers…
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