Insights

West Virginia Supreme Court asked to Address Liability in Case Involving Debit Card Processing Fees

By Clayton C. Swears

A federal district court in West Virginia recently certified the following question to the state's Supreme Court:

Can a "debt collector" be liable for engaging, "directly or indirectly," in "unfair or unconscionable means" of debt collection under W. Va. Code § 46A-2-128 based on its use of a third-party vendor, absent an agency relationship or other basis for vicarious liability between the debt collector and the vendor? article continued

New York City Proposes Rule to Govern Use of Automated Customer Service Systems

By Thomas P. Quinn, Jr.

We have all been there. You have a customer service issue. It should take 30 seconds to explain, so you call the company that sold you a good or provided you with a service that wasn't quite right. You're confident that a quick phone call will get the problem sorted. Then it happens - your call connects and you're greeted by an almost human sounding voice asking what help you need and prompting you for information to get the process started. article continued

Consumer Financial Services Bites of the Month - October 21, 2026 - "October Song."

By Justin B. Hosie, Eric L. Johnson and Kristen Yarows

In this month's article, we some of our top "Bites" covered during the October 2026 Webinar. article continued

Minnesota Settles Deceptive Conduct Claims Against Used Car Dealership

By David S. Darland

On August 31, Minnesota Attorney General Keith Ellison announced the settlement of a case brought against Midwest Car Search, a used car dealership, and its owner, Scott Spiczka. Under the terms of the settlement, Midwest and Spiczka agreed to reform the dealership's sales practices and pay $100,000 to resolve allegations that the dealership violated Minnesota's Used Car Rule and the state's general consumer protection statutes. Here's what happened. article continued