Revised Model Refund Anticipation Loan Act with Commentary
Refund Anticipation Loans Model Law.
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A 50-State Report on Unfair and Deceptive Acts and Practices Statutes
Unfair and Deceptive Acts and Practices (UDAP) statutes in each of the fifty states and the District of Columbia constitute the main lines of defense protecting consumers from predatory, deceptive, and unscrupulous business practices. This report documents how widely and frequently those lines have been breached, and finds that in almost all states significant gaps…
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Revised Model Individual Tax Preparer Regulation Act
This Act shall be known and cited as the "Individual Tax Preparer Regulation Act." This Act shall be liberally construed to effectuate its purpose.
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Small Dollar Loan Products Scorecard
Scorecard Shows Consumers Pay Steep Rates for Small Loans: Financial Reform Should Include a Strong Consumer Financial Protection Agency
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National Consumer Act
Official text with comments (1970). Advocates of greater consumer protection for consumers in the United States long have known that extensive revision of the laws affecting consumers is necessary. The thrust of those laws necessarily must be to, equalize the bargaining position between industry and consumers. One of the areas in which the greatest abuses…
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Model Consumer Credit Act
A model for consumer protection prepared by NCLC in 1973.
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Model Form for Summary Data of Loan Modifications
Proposed survey of results addenda…
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Memorandum on Federal and State Constitutional Issues Related to Foreclosure Mediation/Diversion
Analysis of constitutional issues related to foreclosure crisis-driven state relief laws.
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Requirement for Loan Modification Analysis/Loss Mitigation Before Foreclosure
Includes: Model Loan Mod – Deed of Trust States Model Loan Mod – Mortgage States – Non-Judicial Model Loan Mod – Judicial Foreclosure States
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Foreclosing A Dream: State Laws Deprive Homeowners of Basic Protections
In recent months, a wave of foreclosures has swept millions of American families from their homes. The magnitude of this crisis defies easy comprehension: more than 8 million American families are expected to lose their homes to foreclosure in the next four years. Much has been written about the financial and economic causes of this…
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Foreclosure Rescue Scam Statute
The foreclosure crisis has presented the perfect opportunity for foreclosure rescue scams. These scams come in two main varieties. In the first, a foreclosure “consultant” takes an up front payment and promises to arrange refinancing or postpone the foreclosure, but does nothing and costs the homeowner not only money but critical time. In the second,…
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Model State Act Limiting Arbitration
Much attention is now being paid to the expanded use of forced arbitration clauses in employment and consumer contracts, the attendant harms to consumers and employees, and the possibility of federal intervention. Recent media attention has highlighted the harms that arbitration inflicts on Americans every single day. And a flurry of federal activity (both congressional…
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