December 27, 2023 — Article

This article lists federal and state consumer law rights scheduled to go into effect or expire, during the period from December 1, 2023, through January 1, 2025. Other consumer law changes will be enacted later in 2024 and will go into effect in 2024; this article lists changes whose effective dates have already been scheduled.

Of special note are important changes concerning federal student loans and school participation in the federal student loan program, a new FTC rule on motor vehicles, a new FCC order on robocalls, and changes concerning consumer bankruptcy, Other federal changes involve TILA, FCRA, CLA, HMDA, and VA, FHA, and HECM mortgages. 

California has a dozen consumer laws listed as going into effect in 2024 (including limits on junk fees and imprisonment for debt), and Colorado has significant new legislation as well, including an opt-out from state bank rate exportation.  Other states with new consumer law changes in 2024 include Alabama, Alaska, Arizona, Connecticut, Illinois, Maine, Massachusetts, Minnesota, Nevada, New Jersey, New York, Oregon, Pennsylvania, South Carolina, and Utah.

NCLC encourages readers to submit ([email protected]) additional consumer law changes effective in 2024, especially changes found in state consumer legislation. NCLC will add appropriate submissions to this article. 

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