Publications

On April 24, 2013, the CFPB released a white paper of initial data findings regarding a study the CFPB conducted into payday loans and deposit advance products.1 Based on its findings, the CFPB concluded that these products were harmful to consumers because they are provided without adequate analysis into an […]

On April 5, 2012, Nebraska Governor Dave Heinemen signed the Nebraska Uniform Real Property Transfer on Death Act (the “Act”) into law. This law was effective as of January 1, 2013.   Upon your death, a Transfer of Death (“TOD”) deed allows you to transfer real estate to your designated […]

A prepayment is a prepayment is a prepayment, right?    Not necessarily. In determining the enforceability of prepayment fee provisions, courts historically have drawn a distinction between the borrower’s voluntary prepayment of a loan (i.e., a refinancing) and so-called “involuntary” prepayments, such as application of collateral proceeds or funds received through enforcement actions after a lender’s acceleration of the loan due to […]

Iowa: A Waterloo hospital is fi nalizing a $2 million settlement agreement for a race discrimination class action lawsuit. The class action complaint was fi led on behalf of African American persons who applied for employment with the hospital but were not hired, who were passed over for promotional opportunities, […]

The Eighth Circuit recently held that an employer interfered with a sick employee’s job protection rights under the Family Medical Leave Act (“FMLA”) by failing to reinstate her to a position that she never actually performed. However, in the same decision, the court vacated a ten-year front pay award of […]