Articles and Studies

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The attorneys of Consumer Law Group, PLC have a strong commitment to providing free information to both consumers and fellow lawyers about important consumer law issues. The following articles and studies will help anyone avoid problems or fight the companies that try to victimize consumers. We have organized them into the following categories:

Articles For Consumers

Don't buy a hurricane damaged vehicle. The National Insurance Crime Bureau (NICB) has made available an online database of vehicles which have been wrecked or flooded in the Hurricane Katrina disaster. If you are anticipating buying a car which you suspect has flood or hurricane damage, you can run the serial number through their database to find out the truth. Go to the NICB web site.

The Best Way to Prevent Auto Fraud by Adam G. Taub.

Top Five Reasons to Buy Your Next Car Anywhere Except Michigan. turn this one into a pdf?

Articles For Lawyers

Bankruptcy and Public Records: Len Bennett's summary of common bankruptcy-related problems with credit reports.

Unwinding a Bad Car Deal by Adam G. Taub.

Studies on Credit Reporting and Identity Theft

Consumer awareness of credit: Acting under a congressional mandate, the General Accounting Office (GAO) has released the results of its study of consumer awareness of credit scores and the scoring process. In light of the credit reporting industry's unwillingness to explain the actual process and scoring mechanisms, one must ask where the GAO got its information.

The history of credit reporting: Federal Reserve Board White Paper reporting.

The development of credit reporting: Federal Reserve Board White Paper

The costs and benefits of credit reporting: Federal Reserve Board White Paper

Comparison between European and US credit reporting systems: Federal Reserve Board White Paper

Nearly 70% of all credit reports contain errors: Credit Factor Corp.'s report, on Send2Press.com

GAO Releases Study Regarding Consumer Comprehension of Credit Scores (coming soon!)

Studies on Car Dealers

Following the money in car dealers: IRS guide

Following the money in used car dealers: IRS guide

Dealer Manual: The Michigan Secretary of State

Defending Car Dealers: Universal Underwriters litigation guide

Studies on Lending

Race Does Matter: A federal study now establishes what people of color and consumer advocates have known for years, that race does matter. People of color are more likely to receive a high cost loan than their white counterparts. Review of the data from the Center for Responsible Lending.

FTC releases its 2006 study of the Federal Debt Collection Practices Act. Read a copy.

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