Product Description
Features:
Enormous Potential for Under-Utilized Statutes:
Credit discrimination claims are powerful tools to remedy consumer abuses in first and second mortgage loans, automobile and mobile home financing, and even small loans. A recent example is Equal Credit Opportunity Act (ECOA) class action challenges involving the financing methods of most major automobile creditors.
Broad Range of Prohibited Discrimination:
Federal law prohibits not only intentional discrimination, but also practices that have a disparate impact on protected groups. Important statutes examined include the ECOA, Fair Housing, Civil Rights, and Community Reinvestment Acts, and state discrimination laws.
Discrimination can be illegal if based on the consumer’s:
Age or disability
Sex, marital status, familial status or sexual orientation
Race, national origin, ethnicity, or religion
Receipt of public assistance or exercise of rights under federal consumer statutes.
Widespread Applicability
Credit discrimination law provides federal court jurisdiction, injunctive relief, actual and punitive damages, assignee liability, and attorney fees for such consumer abuses as:
Discretionary finance upcharges
“Yo-yo” car sales where ECOA credit denial notices are not provided
Insurance redlining
Reverse redlining by predatory lenders
Illegally requiring that consumers provide a co-signer
Failing to comply with ECOA protections for spouses.
FREE with your purchase:
Four months of supplements and revised editions.
Access to companion website as long as you stay current on the title.
Four-month, 8-issue NCLC REPORTS newsletter trial subscription.
*Important! Supplement Update Policy: This item may be supplemented annually by the publisher. These updates are important in ensuring that your item always reflects the most up-to-date legal information. Your purchase price includes the cost of any current cumulative updates and any updates that may be issued within four months of your purchase. After that period, a subsequent supplement will be sent to you directly from the publisher for your review and purchase.
Shipping: This item may arrive separately from other items included in your order.
Enormous Potential for Under-Utilized Statutes:
Credit discrimination claims are powerful tools to remedy consumer abuses in first and second mortgage loans, automobile and mobile home financing, and even small loans. A recent example is Equal Credit Opportunity Act (ECOA) class action challenges involving the financing methods of most major automobile creditors.
Broad Range of Prohibited Discrimination:
Federal law prohibits not only intentional discrimination, but also practices that have a disparate impact on protected groups. Important statutes examined include the ECOA, Fair Housing, Civil Rights, and Community Reinvestment Acts, and state discrimination laws.
Discrimination can be illegal if based on the consumer’s:
Credit discrimination law provides federal court jurisdiction, injunctive relief, actual and punitive damages, assignee liability, and attorney fees for such consumer abuses as:
FREE with your purchase:
*Important! Supplement Update Policy: This item may be supplemented annually by the publisher. These updates are important in ensuring that your item always reflects the most up-to-date legal information. Your purchase price includes the cost of any current cumulative updates and any updates that may be issued within four months of your purchase. After that period, a subsequent supplement will be sent to you directly from the publisher for your review and purchase.
Shipping: This item may arrive separately from other items included in your order.
Information
| Condition | New |
|---|---|
| Shipping Availability | This item ships within 1 to 2 business days. |
| Heavy | No |
| Format | Paperback |
| Author | Cohen, Wilmore, Wu, Delbaum, Kaplan, Walsh |
| ISBN | 9781602480506 |
| Edition | 5th Ed., 2009 and 2011 Supplement* |
| Publisher | National Consumer Law Center |
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