Vol. III
The Architecture of Civil Procedure
MMXXVI
Forthcoming
The Architecture of Civil Procedure
Pleadings, motions, and the path of a case.
Faculty of the School of Civil Procedure
A School of the Academy
School of Consumer Credit & Debt Collection
Department of Consumer Financial Law
Consumer protection, debt validation, and the credit ecosystem.
§ 0·a
The Record
- Publications
- 4
- Treatises
- 1
- Authorities
- 67
- Research Collections
- 1
- Library Divisions
- 3
§ 0·b
Foundational Treatise
Foreclosure Foundations
The instruments, records, and procedures of real-property foreclosure.
0 chapters published
Open the treatise in the Press →§ I
Introduction
Scope of Study
Consumer Credit & Debt Collection
The federal consumer credit statutes are short and specific. The School reads them as written and follows the case law that construes them.
§ I·b·2
Subject Navigation
The subject architecture of this School.
Each group below is generated from the Society's own taxonomy — the Parts of the School's treatises, its editorial categories, and its Library divisions.
Library Divisions
§ II
Philosophy of the School
On how this School reads.
The federal consumer credit statutes are unusually compact. The School treats that compactness as an invitation to read them in full, in the order Congress wrote them, with the implementing regulations alongside. The case law follows; it does not lead.
§ III
What Students Will Study
The commitments of the School.
A School commits to a set of questions and to a method of reading them. The following are the working commitments of this department.
- 01
The scope and remedies of the Fair Debt Collection Practices Act
- 02
The accuracy and dispute machinery of the Fair Credit Reporting Act
- 03
The disclosure regime of the Truth in Lending Act and Regulation Z
- 04
The interaction of federal statutes with state consumer protection law
- 05
The mechanics of debt validation and the discipline of pleading
§ IV
Curriculum
The syllabus.
The syllabus is read in sequence. Foundations are not optional; advanced study presumes them.
Foundations
- 01
Definitions: debt collector, consumer, communication
- 02
The validation notice and the thirty-day dispute window
- 03
Prohibited practices under 15 U.S.C. § 1692
Intermediate Study
- 01
FCRA: furnisher and consumer reporting agency duties
- 02
TILA disclosures under Regulation Z
- 03
Private rights of action, damages, and the one-year limitations period
Advanced Study
- 01
Standing after Spokeo and TransUnion
- 02
Preemption of state law by federal consumer statutes
- 03
Class certification in consumer cases
Research & Method
- 01
Locating CFPB advisory opinions and consent orders on a question
- 02
Tracing a regulation back to its enabling statute
- 03
Surveying state UDAP statutes against the federal floor
Reference Materials
- 01
15 U.S.C. §§ 1601–1693r
- 02
12 C.F.R. parts 1022, 1026
- 03
CFPB Supervisory Highlights
Suggested Reading
- 01
National Consumer Law Center, Fair Debt Collection
- 02
National Consumer Law Center, Fair Credit Reporting
§ IV·b
Learning Path
A working sequence for the School.
A staged reading order — from institutional introduction through primary authority to advanced research.
- 01
Introduction
The federal consumer credit statutes are short and specific. The School reads them as written and follows the case law that construes them.
- 02
- 03
- 04
Primary Authorities
Featured entries from the Legal Corpus.
- 05
- 06
Related Schools
Departments that read alongside this one.
§ V
Learning Outcomes
The capacities a member should leave with.
Outcomes are stated as capacities, not credentials. They describe what a member should be able to do after sustained reading.
- 01
Read a federal consumer statute against its implementing regulation
- 02
Draft a validation request and evaluate the response under the statute
- 03
Identify whether a state UDAP claim adds to, or duplicates, a federal claim
§ VI
Primary Authorities
The texts the School takes seriously.
Authorities are listed by category. Entries marked in preparation are catalogued and reviewed before they enter the working record.
Statutes
3 entries
Authority
Fair Debt Collection Practices Act (15 U.S.C. §§ 1692–1692p)
Authority
Fair Credit Reporting Act (15 U.S.C. §§ 1681–1681x)
Authority
Truth in Lending Act (15 U.S.C. §§ 1601–1667f)
Regulations
3 entries
Authority
Regulation V (12 C.F.R. part 1022)
Authority
Regulation Z (12 C.F.R. part 1026)
Authority
Regulation F (12 C.F.R. part 1006)
Administrative Guidance
2 entries
Authority
CFPB advisory opinions
Authority
CFPB consent orders and Supervisory Highlights
Treatises & Restatements
1 entry
Authority
National Consumer Law Center treatises
§ VII
Featured Publications
From the press of the institution.
The following volumes are drawn from, or supply, the work of this School. Each is reviewed by faculty before publication.
Vol. II
Consumer Credit Authority
MMXXVI
Forthcoming
Consumer Credit Authority
The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, read as written.
Faculty of the School of Consumer Credit
Monograph No. 1
An Introduction to Legal Research
MMXXV
In Press
An Introduction to Legal Research
The hierarchy of authority and the discipline of citation.
Faculty of the School of Legal Research
Reference No. 1
A Table of Federal Consumer Statutes
MMXXVI
Forthcoming
A Table of Federal Consumer Statutes
Codified provisions, implementing regulations, and the agencies of enforcement.
Faculty of the School of Consumer Credit
The Society Press
All publications →§ VII·e
Research Collections
Working collections of this School.
Collection
Banking & Financial Law Collection
Banking, negotiable instruments, and the law of financial institutions.
§ VII·f
Legal Corpus
Authorities catalogued for this School.
Entries drawn from the Real Law Society Legal Corpus that supply the primary reading of this School.
united-states-code
1 U.S.C. § 1 — Words denoting number, gender, and so forth
united-states-code
1 U.S.C. § 2 — "County" as including "parish", and so forth
united-states-code
1 U.S.C. § 3 — "Vessel" as including all means of water transportation
united-states-code
1 U.S.C. § 4 — "Vehicle" as including all means of land transportation
united-states-code
1 U.S.C. § 5 — "Company" or "association" as including successors and assigns
united-states-code
1 U.S.C. § 6 — Limitation of term "products of American fisheries"
united-states-code
1 U.S.C. § 7 — Definition of "marriage" and "spouse"
united-states-code
1 U.S.C. § 8 — "Person", "human being", "child", and "individual" as including born-alive infant
united-states-code
5 U.S.C. § 551 — Definitions
united-states-code
5 U.S.C. § 553 — Rule making
united-states-code
5 U.S.C. § 554 — Adjudications
united-states-code
18 U.S.C. § 8 — Obligation or other security of the United States defined
§ VII·g
Authors
Contributors to this School.
Journal · Author
Faculty of the School of Consumer Credit & Debt Collection
§ VII·h
From the Journal
Institutional news associated with this School.
Journal
Consumer Credit Disclosure After Regulation ZThe article surveys the federal consumer-credit disclosure regime as administered under Regulation Z and the implementing commentary. It reads the regulation against the Truth in Lending Act and the leading appellate authority.
§ VIII
Research in the Library
Where this School reads.
The divisions below carry the primary materials this School draws on. The catalogue opens in stages as the index is reviewed.
Library Division
Statutes
Codified federal and state statutory law, organized by title and chapter.
Library Division
Regulations
The Code of Federal Regulations and state administrative codes.
Library Division
Administrative Guidance
Agency interpretive material — revenue rulings, advisory opinions, and policy statements.
Catalogue · XI Divisions
Enter the Research Library →§ IX
Related Schools
Departments that read alongside this one.
Doctrine does not respect departmental boundaries. The following Schools take up adjacent questions.
§ X
Timeline
Recent activity of this School.
The institutional record — publications, articles, primary authorities, and journal notices — in date order.
- 2026
Treatise
The Architecture of Civil Procedure
- 2026
Practice Manual
Consumer Credit Authority
- 2026
Reference Work
A Table of Federal Consumer Statutes
- 2025
Educational Guide
An Introduction to Legal Research
- 2014
26 U.S.C. § 7705
26 U.S.C. § 7705 — Certified professional employer organizations - 2002
- 1997
- 1996
§ XI
Continue Research
Next reading for this School.
A short standing recommendation drawn across the institutional record.
Publication
The Architecture of Civil Procedure
Research Collection
Banking & Financial Law Collection§ XI
Browse This Subject
Where to continue in the institution.
Each gateway opens the family surface in which this School's records are catalogued.
- Browse Publications →
Treatises, manuals, and monographs of this School.
4 records
- Browse Authorities →
Primary law catalogued in the Legal Corpus.
67 records
- Browse Research Collections →
Working collections assembled for research.
1 record
Admission
Join the founding cohort of the Consumer Credit & Debt Collection department.
All Founding Members are admitted into every School. Tuition and dues are not yet open.
The Real Law Society · Est. MMXXVRead Law. Not Lore.Vol. I — Folio I