



End of the Week Headlines…

Department of Defense Issues Guidance on Military Lending Act
CFPB Complaints: What They Mean to Servicers
Report: Predatory Loan Companies Evade State Rules
Amazon and Wells Fargo abruptly end discount student loan program
13 Pitfalls of Bankruptcy in Arizona
CFPB Issues Safe Harbors under FDCPA for Mortgage Servicers
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
Events
NACBA’s Fall Workshop

Don’t miss the boat! Set sail with #NACBASEA on October 6th-9th for stellar sessions, CLE, networking and a little relaxation! Register by Friday, September 2nd for the Early Bird Rate!
SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!
Midweek News

NJ Appeals Court: Shorter Time Frame Applies to Retail Credit Card Debt Collection
CFPB’s Overreach Could Backfire. Just Ask the FTC
Obama Student Loan Bailout Imposes Millenial Tax On Middle Class Families
Never Let a Student Loan “Crisis” Go to Waste
Tick Tock: Proofs of Claim, the FDCPA and Stale Debt Clock
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!
Tuesday’s Headlines

Federal judge paves way for treble damages in ‘robo-calling’ lawsuit
CFPB’s Proposal for Collection of Decedent Debt: a Misguided Approach
Monthly TCPA Digest – August 2016
CFPB orders fixes for student loan fixes
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
The Fall Workshop
Congratulations!
The winner of the ($395 cruise + $199 pre-tax) 2016 Fall Workshop Members-Only Cruise is NACBA Member Joel Spivack!

SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!
Headlines Leading Into the Weekend…

Study: Majority of College Students are Current on Credit Card Bills
Student loan complaint update highlights IDR plan application issues
First National Bank of Omaha to Pay $35 Million Over Credit-Card Practices
CFPB Arbitration Rule Faces Opposition
Overall Delinquencies Decrease in Q2
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
The Fall Workshop
Deadline Today!
Only 1 Day Left to Win a Free Registration to NACBA’s 2016 Fall Workshop Members-Only Cruise (Miami, FL – Nassau, Bahamas)

Visit the NACBA Facebook page and enter to Win a Free Registration to the Fall Workshop Members Only Cruise! Just LIKE the Post & SHARE on your page for a chance of winning one (1) FREE Registration (total value $594) to NACBA’s 2016 Fall Workshop Members Only Cruise (Miami, FL – Nassau, Bahamas), October 6-10, 2016. This prize package includes registration to the Pre-Cruise Tax Session.
Contest Expires August 26th, 2016 Winner Announced August 29th, 2016 . Non-Transferable. One (1) winner selected. Current Membership in NACBA Required. Good luck!
SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!
What’s Making News Today?

California Bill Changes How Debt Collectors Handle Identity Theft Disputes
Summary of the CFPB’s Outline of Proposals Under Consideration for Debt Collection Rulemaking
Judge Decides Sanctions Now Not Warranted in “Fanciful, Farfetched” FCRA Case
Mortgage Current Despite PNC’s Claim for Escrow Advances
CFPB Debt Collection Proposals Would Create Problematic New Substantiation Standard
3 groups pinpoint issues with CFPB arbitration proposal
New Protections Against Debt Collectors
Mobile App Operator Not Liable Under TCPA
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
The Fall Workshop
Deadline August 26th!
Only 1 Day Left to Win a Free Registration to NACBA’s 2016 Fall Workshop Members-Only Cruise (Miami, FL – Nassau, Bahamas)

Visit the NACBA Facebook page and enter to Win a Free Registration to the Fall Workshop Members Only Cruise! Just LIKE the Post & SHARE on your page for a chance of winning one (1) FREE Registration (total value $594) to NACBA’s 2016 Fall Workshop Members Only Cruise (Miami, FL – Nassau, Bahamas), October 6-10, 2016. This prize package includes registration to the Pre-Cruise Tax Session.
Contest Expires August 26th, 2016 Winner Announced August 29th, 2016 . Non-Transferable. One (1) winner selected. Current Membership in NACBA Required. Good luck!
SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!

Midweek News…
CFPB’s Arbitration Proposal Draws 13,000 Comments
CFPB Anti-Arbitration Rule Will Harm Consumers and FinTech
NAFCU Appeals to Congress for Reg Relief Following CFPB Rebuff
Student loan debt continues to be a struggle for many, data show
7th Cir. Rejects FDCPA Claims That Illinois Wage Garnishments Are Actions ‘Against Consumer’
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
GET READY TO SET SAIL!
Deadline August 26th!
Only 2 Days Left to Win a Free Registration to NACBA’s 2016 Fall Workshop Members-Only Cruise (Miami, FL – Nassau, Bahamas)

Visit the NACBA Facebook page and enter to Win a Free Registration to the Fall Workshop Members Only Cruise! Just LIKE the Post & SHARE on your page for a chance of winning one (1) FREE Registration (total value $594) to NACBA’s 2016 Fall Workshop Members Only Cruise (Miami, FL – Nassau, Bahamas), October 6-10, 2016. This prize package includes registration to the Pre-Cruise Tax Session.
Contest Expires August 26th, 2016 Winner Announced August 29th, 2016 . Non-Transferable. One (1) winner selected. Current Membership in NACBA Required. Good luck!
SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!

Start Your Day With These Headlines…
ACA Submits Comments Opposing CFPB’s Proposed Rule on Arbitration
Consumer Litigation for FDCPA, FCRA Declines in July, While TCPA Cases Increase
CFPB Flooded With Thousands of Comments Over Arbitration Rule
CFPB: Unnecessary Obstacles for Lower Loan Payments
Proposed Bankruptcy Rule Changes: Word Counts to HELOCs
Will CFPB Move to Limit Arbitration Undermine Alternative Finance?
When banks play unfairly, consumers want chance to be heard in court
Apple and Google join ‘strike force’ to crack down on robocalls
U.S. District Court in Georgia Grants Initial Approval of Wells Fargo $30 Million TCPA Settlement
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
GET READY TO SET SAIL!
Enter to Win!
Deadline August 26th!
Free Registration to NACBA’s 2016 Fall Workshop Members-Only Cruise (Miami, FL – Nassau, Bahamas)
October 6-10, 2016

Visit the NACBA Facebook page and enter to Win a Free Registration to the Fall Workshop Members Only Cruise! Just LIKE the Post & SHARE on your page for a chance of winning one (1) FREE Registration (total value $594) to NACBA’s 2016 Fall Workshop Members Only Cruise (Miami, FL – Nassau, Bahamas), October 6-10, 2016. This prize package includes registration to the Pre-Cruise Tax Session.
Contest Expires August 26th, 2016 Winner Announced August 29th, 2016 . Non-Transferable. One (1) winner selected. Current Membership in NACBA Required. Good luck!
SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!

New Week of Headlines…
CFPB fines Wells Fargo $3.6 million for deceptive student loan practices
Monthly, Year-to-Date Debt Collection Complaints to CFPB Continue to Decline
The “Least Sophisticated Debtor” Is Getting More Sophisticated, And Has An Improved Memory Too
CFPB Should Exempt Credit Unions From Arbitration Rules
Pair claim debt collection attempts are morass of confusion
$1.3 trillion in student loan debt is crippling retail sales growth
The price of education: Study finds Ohioans saddled with massive student loan debt
UPCOMING WEBINARS

7 Keys to Building a Referral-based Law Firm
DATE: Thursday, September 14, 2016, 3:00 PM EST / 12:00 PM PST
COST: FREE for NACBA Members
PRESENTER: Stephen Fairley, CEO, The Rainmaker Institute
REGISTER: HERE
Avoiding Judicial Estoppel, Standing and Claim Preclusion Problems
with Non-Bankruptcy Causes of Action
DATE: Thursday, September 22, 2016 – 3:00 PM EST / 12:00 PM PST
COST: $25 NACBA Member, $75 Non-Member
PRESENTERS:
Judge Paul W. Bonapfel, Northern District of Georgia
J. Erik Heath, Esq., Consumer Bankruptcy Attorney, San Francisco, CA
John Rao, Esq., National Consumer Law Center, Inc.
REGISTER: HERE
GET READY TO SET SAIL!
Enter to Win!
Deadline August 26th!
Free Registration to NACBA’s 2016 Fall Workshop Members-Only Cruise (Miami, FL – Nassau, Bahamas)
October 6-10, 2016

Visit the NACBA Facebook page and enter to Win a Free Registration to the Fall Workshop Members Only Cruise! Just LIKE the Post & SHARE on your page for a chance of winning one (1) FREE Registration (total value $594) to NACBA’s 2016 Fall Workshop Members Only Cruise (Miami, FL – Nassau, Bahamas), October 6-10, 2016. This prize package includes registration to the Pre-Cruise Tax Session.
Contest Expires August 26th, 2016 Winner Announced August 29th, 2016 . Non-Transferable. One (1) winner selected. Current Membership in NACBA Required. Good luck!
SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION
2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida
JOIN NACBA TODAY
Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!