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NCLC provides two software programs for calculating APRs and Rule of 78 rebates. Both programs use one method of estimating APRs, but the Federal Reserve Board sanctions several methods for computing APRs, and allows creditors to disregard certain irregularities and to disclose APRs with certain tolerances. See the discussion in Truth in Lending. Both programs [...]

2013 Student Loan Webinars Collection Issues, Including Fair Debt Collection Practices Act Claims and Challenges to Collection Action Event date: 2/19/2013 2:00 PM - 03:30 PM Eastern time zone Speakers:Persis Yu, Staff Attorney, National Consumer Law Center (NCLC) The federal government employs draconian collection tactics when attempting to collect on defaulted federal student loans. This [...]

If you are having trouble joining a webinar, please first check that your organization’s security restrictions will allow you to log on. Some office settings will prevent the software from working on your computer. If you are still having difficulty joining a webinar, try these steps. 1. Use a different browser, such as Mozilla Firefox, [...]

Viewing Past Webinars You will need Adobe Reader to view the PowerPoint presentation. If you do not have Adobe Reader installed on your computer, download a free version.    For other difficulties, please email National Consumer Law Center Training Coordinator Jessica Hiemenz at jhiemenz@nclc.org If you need help with joining a live Webinar, please view [...]

“A monumental undertaking . . . should become a standard reference set.” — ABA Journal “The National Consumer Law Center has come to the rescue of lawyers handling consumer cases. The Series has the answers for the myriad questions that can arise. The analysis of the law contains an extensive study of state statutes and [...]

Response to MBA Policy Paper on Suitability, February 2007 Comments regarding the proposed amendments to Reg E on electronic debiting of NSF fees, September 2006Comments - Request for Information on Electronic Benefits Transfer System for Victims of Disaster, April 2006Letter to Senate Banking Committee Regarding Bernanke Nomination, October 2005 Comments regarding the proposed amendments to [...]

Professor of Law, Georgia State University School of Law.  Advisory Committee, Atlanta Legal Aid Society.  Member, American Law Institute.  Former member of the Consumer Advisory Council of the Board of Governors of the Federal Reserve System.  Former Chief, Branch of Reorganization, Atlanta Regional Office, Securities and Exchange Commission.  Former Executive Director, National Consumer Law Center, [...]

2022 Mission Creep: a Primer on Use of Credit Reports & Scores for Non-Credit Purposes, August 2022 Predatory Installment Lending In the States 2022, June 2022 Scam Robocalls: Telecom Providers Profit, June 2022 The Racial Health and Wealth Gap: Impact of Medical Debt on Black Families, March 2022 The High Cost of a Fresh Start: [...]