Fall 2012 • LAW 610 • Credits: 3
Instructor: Arnold Rosenberg
This course will examine how federal and state consumer protection laws apply to common consumer transactions. Subjects include the Federal Trade Commission Act, the regulation of advertising, âLittle FTCâ (âUDAPâ) statutes such as the Oregon Unfair Trade Practices Act, predatory lending and the Dodd-Frank Act, usury and regulation of the cost of credit, the Truth in Lending Act and consumer credit disclosure, credit reporting and the Fair Credit Reporting Act, consumer privacy, the Equal Credit Opportunity Act and credit discrimination, regulation of credit, debit and gift cards and online banking, consumer protection in checking and other deposit accounts, product warranties and the Magnuson-Moss Act, the Fair Debt Collection Practices Act, and consumer remedies including attorneysâ fees, consumer class actions, arbitration, exemptions, the Federal Wage Garnishment Act, âundue hardshipâ discharge of student loan debt in bankruptcy, and bankruptcy âcramdownâ of car loans and mortgages. Attention also will be given to how some of the same problems are dealt with under European Union directives and other countriesâ laws.