Predatory Lending Tactics That Spiked in 2026: What Regulators Are Watching
CFPB complaints tied to deceptive loan terms jumped 34% in 2026, with 12 states now investigating high-cost digital credit products targeting low-income and gig workers.
Category Consumer Protection
Should You Use a Debt Settlement Company or Negotiate Yourself?
Debt settlement companies charge 15–25% of enrolled debt, while self-negotiation costs nothing. See which approach fits your situation before you enroll anywhere.
How a Single Mother Fought Back Against an Illegal Debt Collector
Consumers can sue illegal debt collectors for up to $1,000 under the FDCPA. See how one single mother documented violations, filed complaints, and stopped the harassment.
Arbitration Clauses in Loan Agreements: What Signing Away Your Rights Actually Means
Learn about arbitration clause loan agreements. Discover what you waive when you sign, how it affects your legal rights, and what borrowers should know.
Credit Repair Company vs Self: Which Option Is Right for You?
Learn about credit repair company vs self. Discover when to hire help or DIY dispute errors to save money and fix your credit faster.
Debt Collection Scripts That Violate the FDCPA: What Collectors Are Not Allowed to Say
Learn about illegal debt collection scripts. Discover what collectors cannot legally say under the FDCPA and how to protect your consumer rights.
Buy Now Pay Later vs Payday Loans: Which Puts Borrowers at Greater Risk?
BNPL users carry 3.8 active loans on average while payday APRs top 400%—here's how each product traps borrowers differently and which poses the greater danger.
How a Veteran Reclaimed $900 in Illegal Loan Fees Using the Military Lending Act
Learn about Military Lending Act fees. See how one veteran recovered $900 in illegal loan charges and how you can fight back against predatory lenders.
How Seniors on Fixed Income Can Spot and Avoid Predatory Lending Schemes
Seniors lose over $3 billion annually to financial exploitation. Here's how to recognize payday loan traps, reverse mortgage scams, and equity-stripping schemes before they strike.
CFPB Complaint Process vs. State Attorney General: Which Gets Faster Results?
The CFPB gets a lender response in 15 days; your State AG takes 30–90 but hits harder on fraud. Here's when to use each — and when to file both at once.