Class Thirty-One: December 5, 2014

In our final class, we will explore several additional areas of CFPB oversight. First we will look at the regulation of fair lending. To introduce this subject, take a look at the Bench Memorandum on a Motion to Dismiss in Jackson v. Ames (Apr. 19, 2010). Then consider two subsequent decisions: Rodriguez v. Nat’l City Bank, 726 F.3d 372 (3d Cir. 2013), and American Insurance Association v. HUD (D.D.C. Nov. 7, 2014). We will then take up two additional areas of CFPB oversight: the regulation of consumer credit reports and debt collection agencies. Please review the research papers on these two subjects. (If time permits, we may also discuss recent litigation involving the Durbin Amendment, which established price limits on debit cards. See NACS v. Board of Governors, 2014 WL 1099633 (D.C. Cir. March 21, 2014).)