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Credit related? Probably the practice of rate jacking and other AA practices by CCCs (CLDs, added fees, etc.). More specifically, if I wrote a paper, I'd link in the new credit card law in relation to these actions.
Confusing, non-real credit scores being sold as real?
Lack of ability to get real credit scores?
If false advertising is against the law, you have a legal issue.
If telling lies in advertising is "just honest capitalism" then there is no legal issue
I think it would be interesting to explore if/what legal remedies exist for the victim of identity fraud/theft perpetrated by a family member on a dependant child, specifically for the purpose of obtaining credit.
@Anonymous wrote:
Hey all. Does anybody have any advice on a research paper topic...maybe in the area of consumer credit? It has to be built around a thesis that tackles a legal issue (that maybe makes one say, "that isn't fair") and it must be one that I believe the courts need to rule on. Just throwing that out there since I am experiencing quite a challenge coming up with something myself. Thanks.
How about an important historic subject: the Pecora Commission of the 1930s that was charged with investigating the causes of the Great Depression and proposed far-reaching reforms, many of which were enacted in some form?
How about credit scoring as a risk assessment tool in the insurance industry. Some states allow it, some don't. Some companies use it. Some don't. Bottom line the question is, Is someone's credit rating indicative of their insurance risk. To put it in the form of a question...
I've never had an accident, but didn't always pay my bills. Should I pay more than the guy with the accountant and 3 accidents?
Just a thought. Too early to be thinking, I'm going back to my coffee.
@bicknar wrote:How about credit scoring as a risk assessment tool in the insurance industry. Some states allow it, some don't. Some companies use it. Some don't. Bottom line the question is, Is someone's credit rating indicative of their insurance risk. To put it in the form of a question...
I've never had an accident, but didn't always pay my bills. Should I pay more than the guy with the accountant and 3 accidents?
Just a thought. Too early to be thinking, I'm going back to my coffee.
And even if a credit score is statistically indicative of a person's insurance risk, is it good public policy to allow insurers to use it? We do have laws that say some types of information may not be used even if they might have statistical predictive power, such as ethnic origin or genetic information. Or suppose it turns out to be the case statistically that followers of certain religions live longer because following their rules encourages healthy living; in most places I think it would be illegal for life insurance companies to charge higher rates to people who are not members of such religions.