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	<title>Texas Consumer Law &#38; Debtor&#039;s Rights Blog</title>
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	<link>http://mytexasconsumerlawblog.com</link>
	<description>Published by J. Cole Brooks, Attorney &#38; Counselor At Law, Houston, TX</description>
	<lastBuildDate>Fri, 18 May 2012 23:53:49 +0000</lastBuildDate>
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		<title>Credit Card Protection Plans Draw State Lawsuits, Federal Scrutiny &#124; Fox Business</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/18/credit-card-protection-plans-draw-state-lawsuits-federal-scrutiny-fox-business/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/18/credit-card-protection-plans-draw-state-lawsuits-federal-scrutiny-fox-business/#comments</comments>
		<pubDate>Fri, 18 May 2012 23:53:48 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Consumer Lending]]></category>
		<category><![CDATA[Predatory Lending]]></category>

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		<title>FTC Holder Rule opinion may guide CFPB &#124; Ballard Spahr LLP &#8211; JDSupra</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/18/ftc-holder-rule-opinion-may-guide-cfpb-ballard-spahr-llp-jdsupra/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/18/ftc-holder-rule-opinion-may-guide-cfpb-ballard-spahr-llp-jdsupra/#comments</comments>
		<pubDate>Fri, 18 May 2012 14:43:00 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Consumer Law]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Recent Developments in Consumer Law]]></category>
		<category><![CDATA[CPFB]]></category>
		<category><![CDATA[FTC]]></category>

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		<title>Debt Collector’s Voice Message Not a ‘Communication’ under FDCPA, Federal Judge Rules &#124; Ballard Spahr LLP &#8211; JDSupra</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/15/debt-collectors-voice-message-not-a-communication-under-fdcpa-federal-judge-rules-ballard-spahr-llp-jdsupra/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/15/debt-collectors-voice-message-not-a-communication-under-fdcpa-federal-judge-rules-ballard-spahr-llp-jdsupra/#comments</comments>
		<pubDate>Tue, 15 May 2012 22:53:53 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Debt Collection Practices]]></category>
		<category><![CDATA[Fair Debt Collection Practices Act (FDCPA)]]></category>
		<category><![CDATA[Recent Developments in Consumer Law]]></category>
		<category><![CDATA[FDCPA]]></category>

		<guid isPermaLink="false">http://mytexasconsumerlawblog.com/?p=234</guid>
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		<title>End Draconian Collection Policies on Student Loans &#8211; Room for Debate &#8211; NYTimes.com</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/13/end-draconian-collection-policies-on-student-loans-room-for-debate-nytimes-com/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/13/end-draconian-collection-policies-on-student-loans-room-for-debate-nytimes-com/#comments</comments>
		<pubDate>Sun, 13 May 2012 22:12:16 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Debt Collection Practices]]></category>
		<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://mytexasconsumerlawblog.com/?p=232</guid>
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		<title>http://m.cbsnews.com/storysynopsis.rbml?&amp;pageType=general&amp;catid=57428729&amp;feed_id=999&amp;videofeed=999&amp;nb_splitPage=1</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/12/httpm-cbsnews-comstorysynopsis-rbmlpagetypegeneralcatid57428729feed_id999videofeed999nb_splitpage1/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/12/httpm-cbsnews-comstorysynopsis-rbmlpagetypegeneralcatid57428729feed_id999videofeed999nb_splitpage1/#comments</comments>
		<pubDate>Sat, 12 May 2012 14:38:38 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>
		<category><![CDATA[Fair Credit Reporting]]></category>

		<guid isPermaLink="false">http://mytexasconsumerlawblog.com/?p=230</guid>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>TD Bank Agrees to Pay $62 Million in Overdraft Fee Lawsuit- Bloomberg</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/12/td-bank-agrees-to-pay-62-million-in-overdraft-fee-lawsuit-bloomberg/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/12/td-bank-agrees-to-pay-62-million-in-overdraft-fee-lawsuit-bloomberg/#comments</comments>
		<pubDate>Sat, 12 May 2012 14:10:21 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Consumer Law]]></category>
		<category><![CDATA[Predatory Lending]]></category>
		<category><![CDATA[Recent Developments in Consumer Law]]></category>

		<guid isPermaLink="false">http://mytexasconsumerlawblog.com/?p=228</guid>
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		<title>JPMorgan Losses May Force Shift in Debate on Wall Street Rules- Bloomberg</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/11/jpmorgan-losses-may-force-shift-in-debate-on-wall-street-rules-bloomberg/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/11/jpmorgan-losses-may-force-shift-in-debate-on-wall-street-rules-bloomberg/#comments</comments>
		<pubDate>Fri, 11 May 2012 21:00:49 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Consumer Law]]></category>
		<category><![CDATA[Recent Developments in Consumer Law]]></category>

		<guid isPermaLink="false">http://mytexasconsumerlawblog.com/?p=226</guid>
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		</item>
		<item>
		<title>Borrower May Sue after Three Years To Rescind Mortgage Loan, 4th Circuit Rules &#124; Ballard Spahr LLP &#8211; JDSupra</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/09/borrower-may-sue-after-three-years-to-rescind-mortgage-loan-4th-circuit-rules-ballard-spahr-llp-jdsupra/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/09/borrower-may-sue-after-three-years-to-rescind-mortgage-loan-4th-circuit-rules-ballard-spahr-llp-jdsupra/#comments</comments>
		<pubDate>Wed, 09 May 2012 16:39:06 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Consumer Lending]]></category>
		<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[Foreclosure defense]]></category>
		<category><![CDATA[mortgage lending]]></category>

		<guid isPermaLink="false">http://mytexasconsumerlawblog.com/?p=224</guid>
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		<title>NCLC Report Distorts Student Loan Debt Collection &#8211; MarketWatch</title>
		<link>http://mytexasconsumerlawblog.com/2012/05/09/nclc-report-distorts-student-loan-debt-collection-marketwatch/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/05/09/nclc-report-distorts-student-loan-debt-collection-marketwatch/#comments</comments>
		<pubDate>Wed, 09 May 2012 16:31:28 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Consumer Lending]]></category>
		<category><![CDATA[Student Loans]]></category>
		<category><![CDATA[Student loans]]></category>

		<guid isPermaLink="false">http://mytexasconsumerlawblog.com/?p=222</guid>
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		<item>
		<title>U.S. watchdog targets discriminatory lending</title>
		<link>http://mytexasconsumerlawblog.com/2012/04/18/u-s-watchdog-targets-discriminatory-lending/</link>
		<comments>http://mytexasconsumerlawblog.com/2012/04/18/u-s-watchdog-targets-discriminatory-lending/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 18:55:39 +0000</pubDate>
		<dc:creator>J. Cole Brooks</dc:creator>
				<category><![CDATA[Consumer Lending]]></category>
		<category><![CDATA[Predatory Lending]]></category>
		<category><![CDATA[Recent Developments in Consumer Law]]></category>

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