Consumer Law

Consumer Law

Prof. Eric M. Fink

Elon Law School

Consumer Law

Eric M. Fink
Office hours by appointment

Winter 2016
Room B106
Tuesdays & Thursdays, 8:30–10:30 am


This course surveys federal and state laws regulating consumer purchases and finance. After completing the course, you should have a general understanding of consumer law (including sources of law, scope of coverage, enforcement mechanisms, and available remedies). The problem-solving approach is intended to develop practical skills for advising and representing clients in consumer transactions and disputes.

Course Material

Katherine Porter, Modern Consumer Law (Aspen 2016) (“Casebook”)

Additional resources are available on the course website:

Requirements & Grading

Class sessions will be devoted primarily to problem-solving exercises based on the assigned reading. This format depends on every student’s thorough preparation before class and active participation during class. Final grades will be based on in-class performance (40%) and written problem assignments (60%). Excessive absences (3 or more), lack of preparation, or inattention during class may result in a grade reduction. The Law School honor code applies to all activities related to your law school study, including class meetings and exams.

Elon Law School has adopted the following attendance policy for all courses:

The Law School administers a policy that a student maintain regular and punctual class attendance in all courses in which the student is registered, including externships, clinical courses, or simulation courses. Faculty members will give students written notice of their attendance policies before or during the first week of class. These policies may include, but are not limited to: treating late arrivals, early departures, and/or lack of preparation as absences; imposing grade or point reductions for absences, including assigning a failing grade or involuntarily withdrawing a student from the class; and any other policies that a professor deems appropriate to create a rigorous and professional classroom environment.

In case of illness or emergency, students may contact the Office of Student and Professional Life, which will then notify the student’s instructors. A student may notify the faculty member directly of a planned absence and should refer to individual faculty members regarding any policy that may apply. In the case of prolonged illness or incapacity, the student should contact the Office of Student and Professional Life.

Outline & Reading Assignments

Overview of Consumer Law

January 4
  • Casebook, Chapters 1, 2, & 3

Communicating With Consumers


January 9
  • Casebook, Chapter 4


January 11


Due January 15
  • 4.1 & 5.1

  • Casebook, Chapter 5

Consumer Information

Consumer Privacy & Identity Theft

January 16

Credit Reporting & Discrimination

January 18


Due January 22
  • 6.1, 7.1, & 8.1

Getting What You Pay For

Unfair or Deceptive Acts or Practices

January 23
  • Casebook, Chapter 9


January 25
  • Casebook, Chapter 10


Due January 29
  • 9.1 & 10.1

Consumer Finance

Usury & Credit Cost Disclosures

January 30
  • Casebook, Chapters 11 & 12

Credit Cards

February 1
  • Casebook, Chapter 15

Payday & Student Loans

February 6

Banking Transactions

February 8
  • Casebook, Chapter 19


Due February 19
  • 12.1, 15.1, & 19.1

Perilous Purchases

Automobile Transactions

February 13
  • Casebook, Chapter 16

Online Transactions

February 15
  • Casebook, Chapter 20

Enforcement & Remedies

Creditor Remedies

February 20
  • Casebook, Chapter 21

Debtor Rights

February 22
  • Casebook, Chapter 22

Debt Collection Abuses

February 27
  • Casebook, Chapter 23

Public Enforcement

March 1
  • Casebook, Chapter 24

Private Enforcement

March 6
  • Casebook, Chapter 25

Alternative Dispute Resolution

March 8
  • Casebook, Chapter 26


Due March 11
  • 21.1, 23.1, & 26.1

W(h)ither Consumer Law?

The Future of Consumer Law

March 13
  • Casebook, Chapter 27