Tag: Credit and Finance

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Response to request by ACA International regarding whether the Fair Debt Collection Practices Act prohibits a debt collector from notifying a consumer who disputed a debt that the collector has ceased its collection efforts, Decisions Volume 144
Response to request by U.S. Foreclosure Network regarding whether the Fair Debt Collection Practices Act prohibits a debt collector from notifying a consumer of settlement options that may be available to avoid foreclosure, Decisions Volume 145
SLAC (also doing business as Aspyre), Navloan, Student Loan Assistance Center, and Adam Owens -- three California-based student loan debt relief companies and their owner -- have agreed to be permanently banned from the debt relief business in order to settle Federal Trade Commission...
Three defendants in a student loan debt relief scheme have been banned from telemarketing and selling debt relief, and ordered to pay millions in resolution of Federal Trade Commission allegations that they deceived consumers by promising to reduce or eliminate consumers’ student loan debt.
Approximately $153 million is being mailed to 109,000 consumers in the first distribution of refunds resulting from the law enforcement actions brought against Western Union by the Federal Trade Commission (FTC), the U.S. Department of Justice (DOJ), and the U.S. Postal Inspection Service. The...
The practice is called piggybacking, but it’s not child’s play. It’s where a person with iffy credit pays a credit repair company to be listed as an authorized user on the account of someone with good credit – even though they don’t actually have access. The idea is that the person...
A Colorado-based credit repair company and its owner have agreed to settle Federal Trade Commission charges they misled consumers with promises to “drastically and immediately” improve credit scores and increase access to lower rates on mortgages.
A Colorado-based credit repair company and its owner have agreed to settle Federal Trade Commission charges they misled consumers with promises to “drastically and immediately” improve credit scores and increase access to lower rates on mortgages.
As an essential engine of the American economy, small business has a big impact. But where can small business owners turn for the capital they need to grow? Traditional lenders are one option, but the “It’s a Wonderful Life” image of George Bailey at the Building & Loan may not...
A new paper from the Federal Trade Commission’s Bureau of Consumer Protection provides a look at the information covered in the FTC’s “Strictly Business” forum on small business financing. 
The operator of a debt collection scheme has settled claims by the Federal Trade Commission and New York Attorney General that he and the companies he controlled lied to consumers about how much debt they owed and used illegal scare tactics to collect it.
The staff of the Federal Trade Commission has provided the Consumer Financial Protection Bureau (CFPB) with an annual summary of its activities enforcing the Equal Credit Opportunity Act (ECOA).
Two Oregon-based media production companies and their owner have agreed to settle Federal Trade Commission charges that they deceptively pitched “exclusive” advertising placements to small businesses and misled them about when the ads would be printed and distributed. The stipulated court order...
In February 2020, two Oregon-based media production companies and their owner agreed to settle FTC charges that they deceptively pitched “exclusive” advertising placements to small businesses and misled them about when the ads would be printed and distributed. The order settling the...
Top picks, star ratings, in-depth reviews. Many consumers don’t buy anything without consulting third-party review sites or checking out the opinions of other customers. But how often are those ratings the product of buying and selling between the “independent” site and companies...
The FTC entered into a settlement with the operators of LendEDU.com to resolve allegations that LendEDU falsely claimed that the website provided “objective,” “accurate,” and “unbiased” information about consumer financial products, such as student loans, personal loans, and credit...

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