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Domino: A Blog About Student Debt

Stephen Hayes & Kali Schellenberg |

Leveraging UDA(A)P in the Fight Against Discrimination

With respect to student financial services, the need for effective discrimination enforcement is acute: there should be no room for doubt that discrimination is illegal and will be regulated with respect to predatory for-profit schools, exotic education-financing arrangements, fraudulent financial “advisory” services, student-specific consumer reporting, and third-party debt collection of...
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Ben Kaufman and Mike Pierce |

Without Strong Consumer Protections, a History of Borrower Harm Will Repeat Itself During the COVID-Era Rise in Credentialization

With millions of newly unemployed Americans desperate for help, unscrupulous schools and lenders are pouncing. Without substantial, immediate, and sustained action, tens of billions of dollars will flow to predatory programs that will harm borrowers, their communities, and our country for decades to come—just like in the last recession.
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Benjamin Roesch |

Coding Bootcamps Offering ISAs May Be Unlawfully Depriving Students of the Ability to Protect Themselves from Fraud

The results of a new investigation published today by the SBPC offer new evidence that for-profit coding bootcamps and ISA companies may be systemically violating federal law by omitting a legally mandated term from the contracts underlying students’ ISAs—language required under the Federal Trade Commission’s (FTC) “Holder Rule.”
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