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Military Personnel
Collection Actions
Includes a thorough analysis of state and federal laws that limit collection tactics and enforcement of consumer debts against military personnel. Also addresses general consumer defenses to collection lawsuits on credit card, medical, and other debts.
The Cost of Credit
Our manual on high-cost and predatory lending includes a thorough analysis of the Talent-Nelson Military Lending Act and SCRA and the regulations under it, a chapter on the fringe lending products that have harmed military personnel and other consumers, and detailed discussions of the nature and economics of abusive lending.
Predatory lenders and scammers often target service members and veterans, who have steady but often limited income and can be vulnerable to abusive practices.
Reports and Issue Briefs
IN HARM'S WAY AT HOME: Consumer Scams and the Direct Targeting of America's Military and Veterans Report
Policy Analysis
Comments to the Consumer Financial Protection Bureau regarding Consumer Financial Services Products Offered to Servicemembers, Sept. 20, 2011
Comments on Implementation of Military Lending Act (Feb. 25, 2008)
NCLC Reports Article: DOD Finalizes Military Lending Regulations (Sept./Oct. 2007)
Comments on proposed rules implementing Military Lending Act (June 11, 2007)
Press release: Statement on Proposed Department of Defense Predatory Lending Regulations (April 11, 2007)
Comments on anticipated notice of proposed rulemaking implementing Military Lending Act (Feb. 5, 2007)
Senate Education Committee report on military and propriety schools (Dec. 8, 2010)
Letter from Secretary of Army opposing exemption for auto dealers (May 12, 2010)
Letter from Military Coalition opposing exemption for auto dealers (April 15, 2010)
Department of Treasury Press Release: Military Families Deserve A Strong Consumer Agency To Protect Them From Unfair Financial Practices (March 25, 2010)
NACA Fact Sheet: Auto Dealers Targeting Troops (Spring 2010)
Department of Defense, Report On Predatory Lending Practices Directed at Members of the Armed Forces and Their Dependents (Aug. 9, 2006)
Litigation
Henry v. Structured Investments Co. On Aug. 22, 2011, NCLC and National Association of Consumer Advocate attorneys Robert M. Bramson and Jennifer S. Rosenberg of the Law Offices of Bramson, Plutzik, Mahler & Birkhaeuser received a favorable trial decision by the Superior Court of California. This class action case regarded assignment of military service members pension rights in exchange for lump sum payments. The judge agreed that the transactions are void under a federal law that forbids assignment of military pay or pensions, and therefore are unfair and deceptive. He ordered nearly $3 million in restitution to class members. Complaint Trial Decision