Latest Articles

Credit Reporting Agencies Agree to Major Changes

 

By Aaron M. Swift, Esq.


Credit Reporting AgenciesExperian, Equifax, and TransUnion—the three largest credit reporting agencies which collect and distribute credit information on more than 200 million Americans—will (allegedly) change the way they respond to consumer disputes as part of the largest industry overhaul in the last ten years.  The Big Three—as the agencies are so named—reached settlements with attorneys general in 32 states culminating years of nationwide investigations into shoddy business practices.  The settlements aim to resolve a myriad of consumer complaints including:

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FCC Issues New Consumer Protection Guidelines for Automated Calls and Text Messages

Robocall and Robotexts

 

By Steven G. Cary, Esq.

Unwanted robocalls and robotexts top the list of consumer complaints received monthly by the Federal Communications Commission (FCC).  For the ever-increasing number of wireless telephone customers, intrusive communications from telemarketers and others can be not only a frustrating nuisance, but also a costly invasion of privacy.  With an eye toward protecting cellphone users, the FCC issued a long-awaited order on July 10, 2015 clarifying how the Telephone Consumer Protection Act (TCPA) shields consumers from unwelcome robocalls and robotexts. 

The TCPA Omnibus Declaratory Ruling and Order (FCC 15-72) clarifies a number of issues that consumers and businesses have faced in understanding the TCPA, which protects the rights of individuals while still allowing businesses to freely and legitimately market their products and services. Among others, the FCC addressed the following concerns that were especially relevant to consumers:

Read more: FCC Issues New Consumer Protection Guidelines for Automated Calls and Text Messages