Pittsburgh Legal Back Talk

Legal topics of interest to lawyers and consumers with a Pittsburgh and Western Pennsylvania focus.

1375 Posts and Counting

Challenge to CFPB Constitutionality to be Reconsidered by Court en Banc

No. 1,326 As had been expected for some time, the challenge to the constitutionality of the Consumer Financial Protection Bureau will be reconsidered by the full court of the DC Circuit Court of Appeals in a suit brought by mortgage lender PHH.  A panel of the Court had ruled that the agency, as constituted with […]

Rental Properties in Pennsylvania are Required to Have Operating Carbon Monoxide Detectors

No. 1,260   Carbon Monoxide Alarm Standards Act 35 P.S. § 7221 – 7227 (Current through 12/18/2013) (When referring to section numbers, use the last digit of each section. For example, 25 P.S. §7222 might be referred to as Section 2 of the Act) TABLE OF CONTENTS Short title Definitions Administration Carbon monoxide alarm requirements […]

Hiccoughing on HICPA — the statute a contractor can ignore and collect anyway

No. 1,256  HOME IMPROVEMENT CONSUMER PROTECTION ACT,                                    73 P.S. § 517.1, et seq. MAUREEN DURST AND SCOTT DURST v. MILROY GENERAL CONTRACTORS, INC . 52 A.3d 357 (2012) SHAFER ELECTRIC & CONSTRUCTION v. RAYMOND MANTIA AND DONNA MANTIA, 67 A.3d 2013 […]

Texting to 911 is coming soon.

No. 1,249 Read the article in the Gadgeteer.  The FCC is enabling cell phone carriers to set up texting to 911.  Very useful if you can’t talk for any reason, from handicap to kidnapping.

Empowerment and Electronic Closings.

The Consumer Finance Protection Bureau has produced a study that suggests participants in electronic closings are better informed and feel more empowered than others who had traditional paper closings. How do they know this? They gave the participants questionnaires. The electronic participants scored higher on knowledge and expressed a higher level of satisfaction, which included feeling empowered.

Attack Upon CFPB Continues in the Courts. Do We really Want No Consumer Protection in the Financial Arena?

No. 1,192 The attack against the Consumer Finance Protection Bureau continues, as the DC Circuit rules that a Texas bank has standing to challenge its creation in the Dodd Frank Act as an unconstitutional delegation of powers to the executive branch. Before Dodd Frank, consumer protection in the banking realm was the responsibility of bank […]

Can the practice of “Astroturfing” be prosecuted under the UTPCPL?

No. 1,173                   According to Dictionary.com: “Astroturfing is the deceptive tactic of simulating grassroots support for a product, cause, etc., undertaken by people or organizations with an interest in shaping public opinion.” When artificial grass came on the scene, it was used in the enclosed Astrodome.  Hence the name. Astroturfing can include paying people to write favorable on-line reviews in websites where customers report on products and services for the benefit of […]

Consumer Complaint Update: You Can Write a Narrative But CFPB Probably Won’t Read It.

No. 1,134 DS News, a newsletter for home loan mortgage servicers and lenders, reports on an industry study of  the federal Consumer Finance Protection Bureau’s consumer complaint database.  CFPB has been taking consumer complaints against lenders and their minions for several years and storing them in a publicly available data base.  But they reportedly never […]

Consumer Finance Protection Bureau Posts Complaints on its Blog

No. 1128 The Consumer Finance Protection Bureau has been touting the Complaint Department on its Blog.  They encourage consumers to tell their story and promise to forward the matter to the company involved and to give status updates. CFPB has been logging in complaints since July 2011 and says that there are hundreds of thousands of […]

The Robot is Calling. Should you Sue?

A couple in Tampa Florida received a Christmas present from the U.S. District Court — a million dollar award against Bank of America. But don’t get too excited about filing a similar suit

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CLIFF TUTTLE has been a Pennsylvania lawyer for over 40 years and (inter alia) is a real estate litigator and legal writer. The posts in this blog are intended to provide general information about legal topics of interest to lawyers and consumers with a Pittsburgh and Western Pennsylvania focus. However, this information does not constitute legal advice and there is no lawyer-client relationship created when you read this blog. You are encouraged to leave comments but be aware that posted comments can be read by others. If you wish to contact me in privacy, please use the Contact Form located immediately below this message. I will reply promptly and in strict confidence.

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