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Digital Library: Widespread FDCPA Violations in Collection of Medical Debt

December 5, 2023

A November 2023 CFPB report on the Fair Debt Collection Practices Act (FDCPA) highlights the untapped potential of FDCPA claims where debt collectors collect on medical debt not owed or owed in a lesser amount. The report describes how tens of millions of Americans face medical debt collection—somewhere between 17% and 35% of all adults have…

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15 Blunders in Seeking an Attorney Fee Award

October 2, 2023

A new NCLC Digital Library article identifies 15 blunders to avoid when seeking a statutory attorney fee award. There are 8 blunders in filling out time records, which must be “bullet-proof.” The remaining mistakes relate to hours that count for statutory fees, evidence supporting an hourly rate, and the presentation to the court justifying the fee award.

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5,000 Practice Aids Free on the NCLC Digital Library

August 31, 2023

Subscribers to NCLC’s Consumer Law Practice Series should be familiar with the robust tools and features of the new and improved NCLC Digital Library. Perhaps less known to subscribers and non-subscribers alike is that the NCLC Digital Library now provides free to the public well over 5,000 practice items. In addition, verified consumer law community…

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Digital Library: Disaster Relief Resources

August 24, 2023

See free publications from NCLC targeted toward advocates assisting victims of natural disaster.

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Digital Library: Overcoming the Latest Supreme Court Arbitration Decision

July 17, 2023

A June 23 Supreme Court ruling in Coinbase creates yet another impediment to consumer litigation—that even when a consumer defeats an arbitration requirement, if the defendant then pursues an interlocutory appeal of that ruling, discovery and all other aspects of the case are automatically put on hold until that appeal is resolved. This NCLC Digital Library article,…

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Digital Library: New Angles in Challenging Rent-a-Bank Schemes

February 7, 2023

Predatory lenders use rent-a-bank schemes to avoid the usury limits of the consumer’s state, by seeking to bootstrap onto federal rate exportation rights available only to banks. These predatory non-bank lenders claim that they are only arrangers or servicers of credit originated by a bank. NCLC’s Consumer Credit Regulation § 3.5.4 sets out several challenges to such arrangements—such as…

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