Appendix C: State-by-State Summaries of State UDAP Statutes
Appendix to the 2018 Consumer Protection in the States report.
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All Resources
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Consumer Protection in the States: A 50-State Evaluation of Unfair and Deceptive Practices Laws
Unfair and Deceptive Acts and Practices (UDAP) laws should be the backbone of consumer protection in every state. Yet in many states these statutes fall far short.
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Maps: How Well Do States Protect Consumers?
Supplementary infographics for the 2018 Consumer Protection in the States report.
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Appendix A: Capsule Summaries of Strengths and Weaknesses of Each State’s UDAP Statute
Appendix to the 2018 Consumer Protection in the States report.
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Appendix B: Rating Criteria
Appendix to the 2018 Consumer Protection in the States report.
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Testimony for the Vermont House Committee on Commerce and Economic Development re: H.482, an act relating to consumer protection
Contact with a debt collector is a common experience for Americans. In 2017, the Consumer Financial Protection Bureau (CFPB) released a nationally-representative survey of consumer experiences with debt collection, finding that more than 70 million Americans – about one third of consumers – were contacted by a creditor or debt collector about a debt in…
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Opposition letter to H.R. 4550 (Gonzalez-Mooney) (previously filed as H.R. 1849 (Trott))
Practice of Law Technical Clarification Act of 2017
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U.S. House bill would allow lawyers to abuse consumers in debt collection lawsuits
A bill pending in the U.S. House of Representatives, H.R. 1849: Practice of Law Technical Clarification Act of 2017 (Trott), would exempt attorneys and law firms engaged in litigation from the Fair Debt Collection Practices Act (FDCPA) and eliminate Consumer Financial Protection Bureau (CFPB) authority over them. Claiming that state courts and bar associations would…
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Testimony Before Joint Financial Services Committee In Support of S.120/H.2811, An Act Relative to Fairness in Debt Collection
Debt collection affects millions of Massachusetts residents. This section reviews several different studies to provide an overview of the pervasive nature of debt collection in Massachusetts.
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Residential PACE Loans: the Perils of Easy Money for Clean Energy Improvements
NCLC has collected stories described to us by numerous consumer advocates or reported in the news media or online. The homeowner stories that were shared with us demonstrate disturbing patterns. We summarize those patterns with numerical references to the stories.
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Comments to the Consumer Financial Protection Bureau on its Debt Collection Quantitative Disclosure Testing
As announced in the Federal Register, the Consumer Financial Protection Bureau (CFPB) plans to survey 8,000 individuals as part of its research into effective debt collection disclosures. We applaud the CFPB for taking a data-driven approach to assessing the effectiveness of disclosures to ensure that consumers comprehend their rights pertaining to debt collection. Consumer testing is a critical step to ensure that the CFPB promulgates the most effective regulations in its ongoing debt collection rulemaking.
