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- Home Depot Fined for Selling Dangerous Products
Congress established the United States Consumer Product Safety Commission (CPSC) in 1972 to protect consumers from dangerous household products.
- New Credit Card Law Pits Texas against Merchants and Financial Companies
During the regular session, the Texas Legislature passed a law allowing merchants to ask to see a photo ID when processing a credit card or debit card transaction and to decline the transaction if the customer refuses. The law, which goes into effect January 1, may have placed the state of Texas on a collision course with merchants and financial institutions that issue credit cards, according to the Texas Tribune. The problem is that many financial institutions prohibit merchants from declining a transaction in their contracts. The position of these banks is that their contracts supersede the new law. The state of Texas, even though it does not require merchants to ask for ID, takes the opposite view. The matter may have to be settled through litigation.
- Consumer Financial Protection Bureau (“CFPB”) Continues to Focus on Informed Decisions
This month the Consumer Financial Protection Bureau (“CFPB”) prevailed on a motion to dismiss brought by Navient, which was founded, at least partially, on constitutional challenges. The case is Consumer Fin. Prot. Bureau v. Navient Corp. (M.D.Pa. Aug. 4, 2017, No. 3:17-CV-101) 2017 U.S.Dist.LEXIS 123825.
- The Constitutionality of the Consumer Financial Protection Bureau (CFPB) - Reinforced by Historical Precedent
The Consumer Financial Protection Bureau (“CFPB”) was created by the Dodd-Frank Wall Street Reform and Consumer Protection Act [12 U.S.C. § 5491(a)] in response to the 2008 financial crisis to regulate consumer financial products and services under the Federal consumer financial laws. [12 U.S.C. § 5491(a).]
- Student Loan Dischargability: A Debtor Attorney’s Perspective
Student loan debt in the United States is the largest class of consumer debt today behind mortgages, and is higher than both credit card debt and automobile loans.
- Call-Blocking Apps Could Stop You from Winning Big Against RoboCalls
By Using Apps such as NOMOROBO. This will prevent you from earning money from these harassing robocalls. You may be entitled to stop and earn money per robocalls.
- Do I Have a Right to Ask the Dealer for a CarFax Report Before I Sign?
When dealing with an auto dealership to purchase a vehicle, it may be possible to request a CarFax report. However, this may only be possible if the vehicle is registered and has a file with the website.
- Yo-Yo Financing Tactics
Yo-yo financing is detrimental to those affected by these situations, and it occurs through a deal with the car dealership when the financing falls through even if the person was told he or she is approved at the company.
- The Warranty was Voided but It Did Not Show on CarFax Report. Is that Fraud?
Carfax reports may not reveal all the details of a vehicle that is being sold. However, if reparations are not made with the company, those managing it may be liable for damages or criminal charges such as fraud.
- Used Car Seller Did Not Tell Me the Warranties Expired – Is this Dealer Fraud?
Fraud with an auto dealer may be committed when the employees have practiced unfair or unreasonable activity or are deceptive.