| Volume 131 Number 13 |
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The People’s Lawyer’s Tip of the Day
A bank may not charge an overdraft fee unless you “opt-in” to pay it. In my opinion, it is better to have your card rejected for your $4.00 latte than pay a $25-35.00 fee. If you don’t want to be charged a fee and would prefer your card be rejected, contact your bank.
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Delta Air Lines Flights Cancelled After IT Outage Forces Domestic Ground Stop
Delta Air Lines domestic planes were taking to the skies again early Monday but a nationwide ground stop due to a "systems outage" caused departure delays and at least 150 cancellations overnight.
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Your Money
3 Types of Insurance You Need—And 3 You Don’t. There isn't a lot of talk about insurance in school, so when we become adults, we're left to consider the dizzying array of insurance policies and plans on our own and wonder if we need all of them, just some, or none of them. If you're new to the world of insurance or you could use a brush-up tutorial, here is a somewhat subjective list of the types of insurance policies you absolutely need, types you may want and types of coverage you definitely don't want to buy. Click here for more.
For the Lawyers
Fair Credit Reporting Act disclosure must contain “solely” the disclosure. Plaintiff filed a putative class action against M-I, alleging violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681b(b)(2)(A). Addressing an issue of first impression, the Ninth Circuit held that a prospective employer violates Section 1681b(b)(2)(A) when it procures a job applicant’s consumer report after including a liability waiver in the same document as the statutorily mandated disclosure. The court held that, in light of the clear statutory language that the disclosure document must consist “solely” of the disclosure, a prospective employer’s violation of the FCRA is “willful” when the employer includes terms in addition to the disclosure, such as the liability waiver in this case, before procuring a consumer report or causing one to be procured. Syed v. M-I LLC. Click here for more.