Consumer‌‌‌‍‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‍‌‌‌‍‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‌‍‌‌‌‍‌‌‌‍‌‌‌‌‌‌‍‌‌‌‌‍‌‌‍‌‌‌‍‌‌‌‍‌‌‌‍ Protection Newsletter

Plain-language‌‌‌‍‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‍‌‌‌‍‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‍‌‌‌‌‌‌‍‌‌‌‍‌‌‌‍‌‌‌‌‌‌‍‌‌‌‌‍‌‌‍‌‌‌‍‌‌‌‍‌‌‌‍ updates from the CFPB, FTC, state attorneys general, and federal courts. Published approximately weekly by Rausa Russo Law, PLLC. Written for real people, not lawyers.

April 29, 2026 • Edition 5 The Week in Consumer Protection New York's expanded GBL 349 hits two months, the 1099-C tax trap after settling a debt, the FTC CARS Rule after the Fifth Circuit ruling, AI customer-service bots denying disputes, and the wave of tenant-screening accuracy class actions.

NY AG IRS FTC CFPB Federal Courts

April 23, 2026 • Edition 4 The Week in Consumer Protection The TCPA consent-revocation rule hits one year, medical debt on credit reports after the court ruling, the click-to-cancel rule vacated, junk-fee disclosure one year in, and AI voice-cloning scams.

FCC FTC CFPB Federal Courts

April 12, 2026 • Edition 3 The Week in Consumer Protection New York strengthens consumer protection law, AG targets surveillance pricing, federal enforcement shifts to the states, FTC warns about mortgage relief scams, and data breach settlement deadlines approaching.

NY AG FTC CFPB State AGs

April 6, 2026 • Edition 2 The Week in Consumer Protection What "verified" really means when a credit bureau closes your dispute, the rise of AI debt collection, tax season identity theft, and student loan servicer accountability.

CFPB FTC IRS Federal Courts

March 27, 2026 • Edition 1 The Week in Consumer Protection Credit bureaus face new accountability, NY AG sues predatory lenders, zombie mortgages resurface, and a $191M refund is headed to consumers.

CFPB NY AG CourtListener

Consumer Rights Guides

Step-by-step legal guides written in plain English. Not legal advice — for that, contact us.

Legal Guide Understanding Your Rights Under Federal Consumer Protection Law An overview of your rights under the FCRA, FDCPA, TCPA, and EFTA — what these laws cover, what damages are available, and why most cases cost you nothing out of pocket. Legal Guide • FCRA How to Dispute Errors on Your Credit Report A step-by-step guide to disputing credit report errors under the Fair Credit Reporting Act. Learn your rights, the dispute process, and when to contact an attorney. Legal Guide • FDCPA 5 Things Debt Collectors Cannot Legally Do Know your rights under the Fair Debt Collection Practices Act. Learn what debt collectors cannot do, how to document violations, and when to contact an attorney. Legal Guide • TCPA Robocalls and Spam Texts: Your Rights Under the TCPA Understand what counts as a robocall, damages of $500–$1,500 per violation, and how to take action under the Telephone Consumer Protection Act. Legal Guide • FCRA What to Do If You Are a Victim of Identity Theft A step-by-step guide to identity theft recovery — how to dispute fraudulent accounts, place fraud alerts and credit freezes, and protect your rights under the FCRA. Legal Guide • FCRA Denied a Job Due to a Background Check Error? Learn your rights under the FCRA when a background check error costs you a job, apartment, or opportunity. Understand the adverse action process and your legal options. Consumer Guide • EFTA What to Do When a Bank Freezes Your Account Your bank froze your account or processed unauthorized transactions. Learn your rights under the Electronic Fund Transfer Act and how to dispute errors. Legal Guide What to Do If You're Being Sued Over a Debt If you have been served with a lawsuit over a debt, you have rights. Learn what to do, common defenses, and when to contact an attorney. Legal Guide • CAN-SPAM Spam Email: Your Rights Under the CAN-SPAM Act The CAN-SPAM Act sets rules for commercial email. Learn your rights, how to report violations, and when spam email crosses into other legal claims. Business Guide • IP Protecting Your Intellectual Property as a Small Business A practical guide to patents, trademarks, copyrights, and trade secrets for small business owners.

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Consumer Rights Guides