Searching Content indexed under Consumer Protection by Joseph Cioffi ordered by Published Date Descending.
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Watch Out For Madden v. Midland Risks In Education Lending
When the Illinois court ruled on the motion to dismiss on this question of preemption in 2017, the court looked to the Second Circuit's decision in
United States
20 May 2019
Behind-The-Scenes Strategies For Success – Part Two: We Speak To Revenue Connections On The Importance Of Borrower Attributes To Student Loan Collections
Take care of your business at home, before searching for greener pastures. It's a key takeaway from Part One of our interview regarding subprime auto.
United States
2 May 2019
When An Act Is Not A Disclosure, States Win The Preemption Battle
Like Ali v. Frazier II and III, it's not much of a rivalry if one side keeps winning the decision.
United States
23 Jan 2019
As Less Enforcement Leads To More Lawsuits, We Speak To Education Loan Finance On Ways Lenders And Servicers Can Avoid Future Issues
Although there's been much talk of an epic battle between states and the federal government that will determine the scope of federal preemption in the student loan space,
United States
18 Oct 2018
Student Debt Burden: Whose Problem Is It, Anyway?
It's back to school time, and there's so much noise about a student loan crisis that there's a need to corral all the noisemakers and to gain an understanding of what's actually going on
United States
25 Sep 2018
PACE Financing: 60-Second Market Review And Insights (2018)
Strong performance in the PACE ABS market has been marked by very low delinquency rates for R-PACE properties.
United States
24 Jul 2018
The Latest Non-Answer To The Student Loan Debt Burden: Foregoing Social Security Benefits
College students – prepare to be educated on a new case of Hobson's choice, a term typically used to describe situations where there appears to be a choice available, but in reality, there is no choice at all.
United States
16 Mar 2018
The Economic Payoff Of A Student Loan Payoff
For all the talk about Dreamers in the national immigration debate, a recent research paper positing the positive effect of erasing the nation's $1.3 trillion student debt burden has given the term new meaning.
United States
23 Feb 2018
Student Loans In 2018: Debt Relief Discussions Will Become De Rigueur
2018 may be the beginning of the end of an education finance system that has resulted in overburdened students and families struggling to pay back loans that were too high at their inception...
United States
18 Jan 2018
Subprime Auto Risks: ABStention Of Doubt Is No Longer A Luxury
As we said in our last post regarding vulnerability in credit enhancements and litigation risk, subprime auto ABS investors have historically slept easy in light of ample credit ...
United States
9 Nov 2017
Financial Institution Lawsuits Against Equifax Tempt Consumer Backlash
The massive data breach at Equifax has quickly spurred a number of lawsuits on behalf of consumers. That was to be expected.
United States
13 Oct 2017
PACE Financing: 60-Second Market Review And Insights
$3.7 billion has been advanced to homeowners under residential Property Assessed Clean Energy (R-PACE).
United States
21 Sep 2017
The CFPB's Ban On Mandatory Arbitration – Betting Better Behavior By Banks Will Offset Considerable Consumer Costs
It's been getting tougher for anyone to mount strong opposition to the Consumer Financial Protection Bureau's (CFPB) rule banning mandatory arbitration clauses after news broke of more misdeeds...
United States
22 Aug 2017
Claims Against Navient Echo Problems With Subprime Mortgage Loan Servicers
Just as industry-wide litigation and investigations targeting subprime mortgage servicers began with lawsuits against the industry's largest players...
United States
7 Mar 2017
Insolvency, Creditors' Rights & Financial Products Alert >> Recent Actions Against Navient May Expose Problems Contributing To The Student Loan Debt Crisis
On January 18, 2017, the Consumer Financial Protection Bureau (CFPB) filed suit against the nation's largest student loan servicer, Navient Corporation, alleging a litany of bad acts in the servicing of private and federal student loans that, if true, would mean shoddy and suspect practices may have already robbed students and their families of the opportunity for financial stability and success.
United States
6 Feb 2017
Proposed Amendments To The Bankruptcy Code Could Adversely Affect Student Loan Securitizations
In response to the growing balance of student loan debt in the United States, lawmakers have proposed legislation that would eliminate the most lender-protective feature of student loans...
United States
14 Dec 2016
Regulations Targeting Auto Lending May Ultimately Increase Litigation Related To Securitizations
The trends in auto lending and the securitization of auto loans are reminiscent of the run-up in subprime mortgage lending and issuance of residential subprime mortgage-backed securities (RMBS).
United States
29 Jan 2016
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