Category Archives: Legislation

Study: CFPB complaints shattered records in 2020, exposing how the COVID-19 pandemic battered consumer finances

Credit Report Errors Attorney - COVID-19 Finance Study

Confirmation of President Biden’s nominee Rohit Chopra will pivot agency back to only job: protecting consumers WASHINGTON — Consumer complaints about problems with financial companies such as banks, credit bureaus and debt collectors rose by more than 50 percent in 2020 and set new records for each month of the year, according to a new […]

Major Consumer Protections Announced in Response to COVID-19 *UPDATED WITH CARES ACT*

News to Know Image This article, which will be updated as developments warrant, lists actions Congress, governors, federal and state agencies, and businesses are taking to protect consumers in light of the COVID-19 epidemic. These actions include suspensions on foreclosures, evictions, and terminations of telecommunications and utility service, elimination of interest and forbearance on student loan payments, limits […]

Major Consumer Protections Announced in Response to COVID-19


Fair Credit Reporting CARES Act § 4021 provides less than minimal protections regarding credit reporting. From January 31, 2020 until 120 days after the end of the national state of emergency, if a creditor has made an accommodation (such as a forbearance or workout) for a consumer pursuant to the state of emergency, the creditor […]

What Can You Do With Your Gym Membership If the State Shuts Down Facilities in COVID-19 Emergency Order?

People in a Gym

I spoke with Newsweek yesterday about how the pandemic is affecting consumers with gym memberships.  We primarily help consumers with credit report errors. Unscrupulous gyms that continue to charge consumers — even though the gym has been ordered closed — may need to answer for their reporting inaccurate information to the credit bureaus.  Here’s one […]

Reed & Van Hollen Introduce the Consumer Credit Control Act


Reed & Van Hollen Introduce the Consumer Credit Control Act WASHINGTON, DC – In an effort to empower consumers and put Americans in control of their personal information and credit reports, U.S. Senators Jack Reed (D-RI) and Chris Van Hollen (D-MD) today introduced the Consumer Credit Control Act.  This bill would amend the Fair Credit Reporting […]

How Much Is Your Data Worth to Facebook and Google? A New Senate Bill Aims to Find Out

Data Safety Poster

The credit bureaus should be included.  The Designing Accounting Safeguards to Help Broaden Oversight And Regulations on Data (DASHBOARD) Act, which was introduced on Monday, takes aim at companies that have more than 100 million monthly active users. The bill would pull back at least part of the curtain on the data collection practices […]

Your phone carrier can now block robocalls by default

Robo Calls

The Federal Communications Commission voted on Thursday to give wireless carriers like Verizon the green light to block unwanted robocalls automatically for all customers. The move could curb a torrent of phone-based scams and unwelcome interruptions that have afflicted millions of consumers, said the FCC.

NY bill would bar facial recognition programs for landlords

Facial Recognition

Big data gets visual. New legislation introduced in New York state would ban the use of facial recognition software by landlords in residential buildings. The bill, announced Thursday, comes after officials in San Francisco voted to prohibit police and other city agencies from using facial recognition systems.

On the Mend: Bill Requiring Delayed Reporting of Veterans’ Medical Debts Seeks to Correct Department of Veterans Affairs Payments Errors

As proposed, the Act requires the Secretary of Veterans Affairs to establish a database – not later than one year after enactment – to allow consumer reporting agencies to verify whether a debt furnished to a consumer reporting agency is veteran’s medical debt.