Each day the check collection system processes approximately 17 million checks, many of which are payable to consumers’ who trustingly deposit them in their bank accounts and soon spend the deposited funds on goods and services, necessities, and luxuries. From a consumer’s perspective, the check collection system usually works well. Indeed, less than one percent of checks are dishonored. In absolute numbers, however, dishonored checks exceed one million daily.
Joanna Laine∞ Abstract Almost forty years after the passage of the Fair Debt Collection Practices Act (FDCPA), abusive debt collection practices continue to wreak havoc on the lives of low- and moderate-income Americans. The FDCPA aims to prevent these abuses
Luke Herrine∞ Abstract This article argues that, despite being the least discriminatory form of underwriting in history, consumer credit reporting can reinforce and deepen systemic inequalities. Credit reports can create two sorts of vicious cycles, which can contribute to cycles
Mandatory arbitration for guestworkers, a uniquely vulnerable group, will result in class inequality and worse conditions for all workers.
An evidentiary privilege to protect workers' confidential communications from disclosure in federal and state court proceedings would support unions.