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Consumer Law

Down the Rabbit Hole with Payday Lending

October 2012

Those of you who read this blog have probably figured out that the continued existence of payday lending in the State of Ohio, despite legislative reforms in 2008, is a real sore point for me, and many other consumer advocates around the state.  I have likened the various iterations of payday loans to Hydra, the […]

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Invasion of the Body Attachments – No Wait – They Are Already Here

August 2012

I do not normally read the electronic version of the weekly ABA Journal, which shows up in my email periodically. But the August 24 addition caught my eye because I am a payday lending news junkie, and the teaser sucked me in with:  “Payday Lenders Using Courts to Create Modern-Day Debtors’ Prisons in Missouri, Critics […]

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Understanding Prepaid Debit Cards – Starting Up The Learning Curve

August 2012

On July 25 the Ohio Poverty Law Center sponsored “Law and Economics of Poverty”, a training for legal aid attorneys in Ohio, at which many of us were introduced to prepaid debit cards as an alternative to conventional banking.  Also referred to as general purpose reloadable prepaid cards (GPR prepaid cards), these cards are relatively […]

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How Student Loan Debt Burdens The Poor

July 2012

The staggering statistics on student loan debt and the accompanying concern over increasing default rates have been making news for some time.  According to the Federal Reserve, in the first quarter of 2012, student loan debt rose to $904 billion, an increase of $64 billion over 2011.  During the year leading up to the end […]

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One Small Step Toward Consumer Protection in the Midterm Budget Review

June 2012

Guaranteed Auto Protection (GAP) and Debt Cancellation Contracts (DCC) recently came to my attention through my involvement with the Ohio Attorney General’s CSPA Advisory Group. These products are sold as protection against coming up short on a consumer loan if something bad happens to the goods. GAP or a DCC is supposed to pay off […]

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Ohio Legal Aid Attorneys Submit Comments on Payday Lending to Federal Agency

April 2012

In response to the Consumer Financial Protection Bureau‘s recent request for comments on payday lending, Ohio legal aid advocates, led by OPLC attorney Linda Cook, recently teamed up to write and submit comments on the state of payday lending in Ohio. Ohio advocates’ comments focused on Ohio’s failure to prevent payday lending, despite bipartisan legislation […]

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Legal Aid Community Files Amicus Brief in Cashland Payday Lending Case

April 2012

On April 2, 2012, the statewide legal aid payday litigation working group filed an amicus brief in the 9th District Court of Appeals challenging Cashland‘s blatant disregard of Ohio’s payday lending reform efforts.  The legal aid community was joined on the brief by the Coalition on Homelessness and Housing in Ohio, the Center for Responsible Lending, […]

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