Noemia Carhalho, Plaintiff v. Equifax Information Services, LLC; Experian Information Solutions, Inc.; Transunion LLC, Defendants; In the United States Court of Appeals for the Ninth Circuit, On Appeal From the United States District Court for the Norther
The Panel’s decision is contrary to the plain language of the FCRA and nullifies its requirement to filter out unverifiable information, the panel’s decision establishes a de facto technical accuracy…
Read MoreRobert A. Brown and Susana Brown et al., Plaintiffs v. Stewert Mortensen, Defendant; Supreme Court of California; Case No. B199793
The issues presented in this case implicate the interests of millions of American consumers whose sensitive personal information is regularly shared, often without their knowledge, among financial firms, insurance companies,…
Read MoreJTH Tax, Inc. (dba Liberty Tax Service), Defendant v. The People of the State of California, Plaintiff; In the Court of Appeal in the State of California, Case no. A125474.
Liberty Tax Service violated the UCL and the FDCPA by misleading consumers into signing agreements with hidden provisions purporting to allow the cross-collection of debts.
Read MoreCash Advance and Preferred Cash Loans v. State of Colorado ex rel. John W. Suthers, Attorney General for the State of Colorado, and Laura E. Udis, Administrator, Uniform Consumer Credit Code
Payday lenders, one of the main players in the “fringe banking” industry, target vulnerable borrowers who cannot access traditional sources of credit and, rather than helping them handle a short-term…
Read MoreWilma L. Ruby v. Cashnet, Inc., d/b/a Cash Advance Centers, The Supreme Court of Virginia, Case No. 100287, March 22, 2010
Pursuant to Rule 5:30 of the Rules of the Virginia Supreme Court and with the approval of this Court, the National Association of Consumer Advocates (NACA) and the Virginia Poverty…
Read MoreRent-A-Center West, Inc v. Antonio Jackson, The Supreme Court of the United States, No. 09-497, March 31, 2010
The U.S. Court of Appeals for the Ninth Circuit correctly held below that, under the FAA, a court must decide a threshold dispute over whether an arbitration clause is enforceable…
Read MoreVirginia Circle v. Chase Bank USA, N.A., U.S. Court of Appeals for the Eighth Circuit, on Appeal from The United States District Court, Western District of Missouri.
NACA and NCLC have filed this brief out of concern that two recent Missouri appellate cases directly conflict with this Court’s decision of October 6, 2009. The two Missouri cases…
Read MoreKaren L. Jerman, Petitioner, v. Carlisle, McNellie, Rini, Kramer & Ulrich, LPA and Adrienne S. Foster, Respondents; Supreme Court of the United States, No. 08-1200.
Under the Fair Debt Collection Practices Act, a debt collector may avoid liability by showing beyond a preponderance of the evidence that its violation of the Act “was not intentional…
Read MoreCases 08-13510-BB and 08-13616-BB (consolidated), Bobbie Harris v. Mexican Specialty Foods, Inc. and Julie Best Grimes v. Rave Motion Pictures, Birmingham, LLC et al, In The United States Court of Appeals For The Eleventh Circuit
Congress’s findings and statement of purpose when it enacted the FCRA, its ongoing oversight, and its recent amendments demonstrate the significance it rightly placed on the integrity and confidentiality of…
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