These are comments to the California Dept of Financial Protection and Innovation (DFPI) in response to its request for comments on a potential rulemaking to regulate consumer reporting agencies.
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Leigh Ferrin Will Head the New Project, Aimed at Increasing the Capacity of Legal Services Programs to Address Consumer Law Issues
Read More about NCLC Launches Initiative to Support California Economic Justice Efforts
The National Consumer Law Center’s California Consumer Law Support Project strengthens the capacity of legal services organizations to provide essential consumer law services to low-income Californians. The project will support California Legal Services organizations through four areas of work: Policy Advocacy In California, NCLC retains Kaiser Advocacy to support legislative and regulatory reforms that benefit…
State debt collection efforts can conflict with state anti-poverty programs. This issue brief discusses how states that seize income tax refunds to collect debts owed to the state may also be seizing safety-net payments such as state Earned Income Tax Credit (EITC) or Child Tax Credit (CTC) funds. States should follow California’s example to protect…
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Patricia Gout, on behalf of herself and all others similarly situated v. Unison Agreement Corp., Unison Investment Management, LLC, and Real Estate Equity Exchange, Inc., CGC-25-629062 (Cal. Super. Ct.) This class action complaint seeks relief for California borrowers against predatory mortgage lender Unison Agreement Corp. and its affiliates. The case asserts that the defendants dupe…
Student loan borrower help video series explains repayment options as rapid changes in policy, and funding create confusion.
A new form of fintech payday loan offered through cash advance apps uses “tips” as a form of disguised interest. These apps claim that tips are voluntary, but they use dark patterns, actual or implied repercussions for not tipping, manipulative interfaces, behavioral and psychological tricks, and other techniques to make tips almost as certain as…
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This bill amends the California Consumer Financial Protection Law (CCFPL) to clarify and underscore theauthority of the Department of Financial Protection and Innovation (DFPI) to enforce consumerfinancial protection laws to safeguard consumers from deceptive and predatory practices.
Re: Oppose S.J. Res. 18 (Scott), CRA Resolution to Overturn CFPB Rule on Overdraft Lending: Very Large Financial Institutions Dear Representative, The undersigned 295 consumer, civil rights, labor, legal services and community organizations and academics write to urge you to oppose S.J. Res. 18 to overturn the Consumer Financial Protection Bureau’s overdraft fee rule, which…
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The undersigned 201 consumer, civil rights, labor, legal services and community organizations and academics write to urge you to oppose efforts to overturn the Consumer Financial Protection Bureau’s overdraft fee rule, which will reduce most overdraft fees from $35 to $5, stop manipulative practices by big banks, improve transparency, and put $5 billion back into…
Read More about 201 Groups Oppose Repealing CFPB Overdraft Fee Rule
Every state has a set of exemption laws, intended to prevent creditors from pushing families into destitution. This report finds that few states’ exemption laws meet even the most basic standards.
With Change in Federal Priorities, California Workers Need State Protections With a new administration in Washington D.C., proposed federal protections may be reversed. So states like California with a proud tradition of protecting workers must make clear that:
