Professor Karen Gross
Focuses on consumer finance and collection. Deals, through a series of problems, with the federal and state laws governing how individuals obtain money and credit (such as credit cards, loans, stored-value cards). Also addresses the range of creditor debt-collection activities, credit reporting, and credit scoring and common consumer scams, including the consequences of non-payment, and explores the Equal Credit Opportunity Act, Truth-in-Lending Act, Fair Debt Collection Practices Act, Fair Credit Billing Act, Fair Credit Reporting Act, Regulations Z and E, and the New York Retail Installment Sales Act. There will be short written exercises (including drafting) and oral presentations throughout the semester, and a take-home examination. Enrollment limited.