Recent Posts

Keeping up with the Jonesboros

“A word to the wise should be sufficient.”  We’re not sure who first coined that proverb.  Aesop?  King Solomon?  Ben Franklin?  But whoever it was, if he's in the market for a used car in Arkansas, here’s news he might want to consider.

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Needle and threats

The Fair Debt Collection Practices Act lays out some pretty clear dos and don’ts for debt collectors.  Do identify yourself as a debt collector.  Do follow up within five days of your initial communication with a written notice setting out the amount of the debt, the creditor's name, and details about how consumers can proceed if they dispute the debt.  Now for some don’ts:  Don’t imply a government affiliation.  Don’t accuse people of a crime or threaten them with arrest.

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Generation gap?

There’s not much talk anymore about the Generation Gap – at least not in terms of crazy teens and their rock ‘n’ roll music.  But there’s another kind of Generation Gap that has the FTC concerned:  the compliance gap between the established standards of the National Do Not Call Registry and the way some companies are using lists from lead generators without careful consideration of how those lists were compiled.  An FTC set

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What’s a predictive score?

Most consumers know that creditors use information about them and their credit experiences – like the number and type of accounts they have, their bill paying history, and whether they pay their bills on time – to create a credit score, which helps predict how creditworthy they are.

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FTC, EEOC offer FCRA 411

When someone mentions the FTC, the EEOC, and the FCRA in the same sentence, it may sound like a ladle of alphabet soup.  What’s really being served up is a new joint publication by the Federal Trade Commission and the Equal Employment Opportunity Commission that talks about how the Fair Credit Reporting Act and the mandate to comply with anti-discrimination laws intersect when employers use background checks in personnel decisions.

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