Workshop 9 "Family and Credit: Does Consumer Credit Threaten Family Ties" Presentation by Gail Burks OUTLINE Non-Discrimination in Lending Debt Types Legal Debt Instruments (contracts) Co-signers Psychological / Emotional Impact NON-DISCRIMINATION LAWS Equal Credit Opportunity Act Fair Housing Act Unfair & Deceptive Practices (UDAP) DEBT TYPES Real Estate Related Transactions Consumer Transactions Secured Transactions Unsecured Transactions LIABILITY DETERMINATIONS Applicable Law (federal, state) Community Property / Separate Property Family Law Bankruptcy Law PSYCHOLOGICAL / EMOTIONAL IMPACT Inability to respond (mail build up) Strained Marital Relationships Cultural Considerations Co-signor Fatigue OTHER LEGAL PROTECTIONS Fair Credit Reporting Act (FCRA) Fair Debt Collection Practices Act Truth In Lending (TILA) ID: 37426 Author(s): iff Publication date: 28/04/06     Background Paper by Aurelia Ciacchi NON-LEGISLATIVE HARMONISATION: PROTECTION FROM UNFAIR SURETYSHIPS* AURELIA COLOMBI CIACCHI Background Paper for the Brussels Conference (40093 Bytes)

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