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National Consumer Law Center (NCLC) Records

Introduction

In 2008, the Richard L. D. and Marjorie J. Morse Department of Special Collections at Hale Library, Kansas State University, became the official repository for the historical records (1968-2003) of the National Consumer Law Center (NCLC). Willard P. Ogburn, Executive Director of NCLC, and Anthony R. Crawford, University Archivist/Curator of Manuscripts of the Morse Department of Special Collections, coordinated the arrangements for this cooperative agreement. As part of the Consumer Movement Archives, the papers provide a subject-based and legal context to over thirty years of the Boston and Washington, D.C. based organization’s national non-profit activities on behalf of low-income consumers seeking economic justice.

The records have been arranged into five series: Administrative Files; Standing and Advisory Committee Files; General Files (Washington); Advocacy and Conference Files (Massachusetts Office); and Research Materials. Covering many aspects of twentieth century consumer movement history, these records shed light on the role of a non-profit organization in advocating fairness on behalf of low income individuals against corporate practices, the development of protective consumer-oriented state and federal legislation, and their assistance in providing research, analysis, and experience to other non-profit entities working across the nation.

The twenty-six boxes include: handwritten notes; correspondence; office manuals and organizational policies; conference matter; financial documents; position papers; staff meeting agendas; public testimonies before city, state, and federal legislatures; press releases; trial records; drafts of working papers; visual media coverage of consumer issues; and published articles.

The original organizational file structure (a numerical case filing system) of different subjects has been retained as a contiguous unit. The remaining files have been organized by subject and chronology.

Paul Thomsen
Archives Assistant

Chronology

1969         The National Consumer Law Center is founded at the Boston College School of Law

1969-Present Advocated for fairness in the Uniform Consumer Credit code	 

1969-Present Advocated on behalf of the Truth-in-Lending Act and subsequent revisions as applied to the  
                poor and middle-income families in several states

1972         Participated in the trial of Fuentes v Shevin, asserting unconstitutionality of the Uniform 
                Commercial Code

1972         Participated in the trial of Swarb v Lennox, arguing that Philadelphia business actions violated  
                the right to "due process"

1974         Shaped the implementation of the Equal Credit Opportunity Act

1974         Lobbied for the creation of the Low-Income Home Energy Assistance Program

1976         Lobbied the Federal Trade Commission to retract a statement on Enforcement Policy, which opened 
                consumers to lender exploitation 

1978         Aided in the passage of the Fair Debt Collection Practices Act. 

1980s        Advised on the application of the Unfair and Deceptive Practices Acts (UDPA), including the Fair Debt 
                Collection Practices Act (1978, 1986)

1984 March   Robert Erwin Offered testimony before the United States Congress Banking, Housing, and Urban Affairs 
                committee on Bill S.2181

1987         Actively opposed the "Depository Institution Deregulation and Monetary Control Act"

1989         Queried the Federal Home Loan Bank Board on regulations concerning time shares

1990         Lobbied for the creation of the Low Income Weatherization Assistance Program (WAP)

1990         NCLC presented the Vern Countryman Consumer Law Award to Henry J. Sommers for "leadership in 
                promoting the field of consumer law."  The annual award was given to a legal service or  
                public interest attorney who provided a special contribution to the practice of consumer  
                law on behalf of the rights of low-income Americans. 

1994         Advised the Federal Trade Commission on the Home Ownership and Equity Protection Act

1996-Present Participated in the enforcement of Federal Reserve System Regulation Z of the Truth-in-Lending Act

1996         Shaped the implementation of an electronic payment of funds system by employers

1996         Argued on behalf of Dorothy McFarland in McFarland v. Southern Division Credit Union, regarding 
                alleged improper loan/debt disclosure.

1997         Offered testimony before the United States Congress on behalf of the Regulatory Relief and Economic 
                Efficiency Act

1999         Began Sustainable Homeownership Group Projects to combat high rate lending abuses

2000         Organized the Consumer Rights Litigation Conference, Broomfield, CO

2000         Organized an ongoing initiative focusing on the providing of affordable low-income access to private 
                energy and public utilities services

2001         Organized the Consumer Rights Litigation Conference, Baltimore, MD

2002         Organized the Consumer Rights Litigation Conference, Atlanta, Georgia

2003         Organized the Consumer Rights Litigation Conference Oakland, CA

2004         Organized the Consumer Rights Litigation Conference Boston, MA

2005         Organized the Consumer Rights Litigation Conference Minneapolis, MN

2006         Organized the Consumer rights and Litigation Conference Miami  

2007         Organized the Consumer Rights Litigation Conference, Washington, D.C

2008         After raising $5.5 million over a three year Building for Marketplace Justice Campaign NCLC moves  
                into an 1870s apartment building on the corner of Summer Street and Otis Street in Boston's  
                financial district 

2009         Organized the Consumer Rights Litigation Conference and Consumer  Class Action Symposium

2009         Organized the Fair Debt Collection Training Conference in San Diego, CA 

Scope and Content Note

The National Consumer Law Center (NCLC) Records (1968-2003) consists primarily of administrative files, case files, research material, and inter-office memoranda in defense of individuals and small groups against unfair corporate practices and inefficient government oversight. The records are arranged in five series: Original Files, Standing and Advisory Committee Files, General Files (Washington), Advocacy and Conference Files (Massachusetts Office) and Research Files. Where most collections provide a narrow concentration of material on a single person or a series of events, the true strength of the NCLC Records lies in the broad canvas of available documents, which extends from the transformative 1960s era of the Consumer Movement to the organization’s twenty-first century efforts and demonstrates the evolution of the relationship between different non-profit legal organizations, corporations and the government as seen through the eyes of NCLC employees.

The Original Files Series, spanning nine boxes, gathers into an assortment of NCLC internal memoranda, staff reports, manuals, organizational policy statements, testimonies before state and federal congressional houses and consumer print matter bibliographies. The series also contains material from outside sources, including class action suits, banking, housing, lending and layaway plans of various institutions, debt collection credit rates, laws and individual practices, proposed federal trade regulations, and scams involving vocational schools, and various Universal Consumer Credit Code reports. Likewise, some individual files contain published articles on subjects of on-going interest to the organization, including Gary Klein’s “Consumer Bankruptcy in the balance: The National Bankruptcy Review Commission’s Recommendations Tilt Toward Creditors” and William Willier’s “If Credit Reporting Agencies are Doing Their Jobs, Is There Really Any need for Collecting Agencies.” Where possible, the original organizational file structure of numerical case files has been retained as a contiguous unit.

The Standing and Advisory Committee Files Series is comprised of two boxes of material arranged in chronological order, which contain internal reports on regularly scheduled committee meetings (beginning in December 1998 and running into the twenty-first century) to address issues affecting the staff of NCLC, including budgetary allocations as well as office and personnel issues. The documents also cover issues relating to the Social and Unity Committees, changes to the internal database, and the role of a staff ombudsperson.

The General Files (Washington, D.C. Office) Series consists of one box, collecting in chronological order documentation on consumer affairs lobbying efforts at the organization’s Washington office, including correspondence, public statements, and newsletters. Some of the issues covered in the files include state oil overcharge allocation decisions involving Exxon, the Low-Income Home Energy Assistance Program, the Coalition on Human Needs, and the proposed re-regulation of interest rates.

The Advocacy and Conference Files (Massachusetts Office) Series spans six boxes of material arranged in chronological order and by subject pertaining to material used in NCLC’s annual consumer affairs conferences, including reports on consumer fraud laws, market failures and predatory lenders, specialist training in consumer affairs as well as consumer manuals and several issues of the Legal Service Corporation Quarterly Report.

The Research Materials Series covers nine boxes of primary source and reference material amassed by NCLC as background for several on-going projects. Some items include different versions of the Fair Debt Collection Practices Act, correspondence with the Federal Trade Commission, VHS tapes of news segments on family loan programs and predatory mortgage lending, bank creditor surveys, savings and loan and insurance packing cases, reports on changes to credit rates and regulations in the 1970s and 1980s, analyses of different Truth-in-Lending Act iterations, court files relating to the Fair Debt Collection Practices Act, and comments on different drafts of the Uniform Consumer Credit Code. Where possible, the original organizational file structure of numerical case files has been retained as a contiguous unit. Those segments of the series which do not possess case numbers have been arranged chronologically by subject.

Container Listing

Box  Folder


Series I Original Files                                

       	Original Files

01   01   "What Should Be the Role of Banking and Bankers in the Consumer Movement"
            (025.025)
     02   ML Comments to Senate Committee on Banking Opposing SB 1664 Now
            Accounts (025.030)
     03   Hesse before Bankruptcy Commission, Statement (027.125)
     04   "RAH Statement before Subcommittee on Improvements in Judicial Machinery,
            U.S. Senate (A027.130)
     05   Alternative Solutions (A027.135)
     06   In re Barlick, In re Cambpell (027.140)
     07   Sarason on Bankruptcy (027.145)
     08   ES In re Roach Amicus Curiae Brief, 1987 (027.146)
     09   BS JR In re Cynthia Kay Shaffer Capitol Credit Plan v. Cynthia Kay Shafer
            (027.147)
     10   Johnson vs Home State Bank (027.148)
     11   Self-representation in Banking  (*)
     12   Dewsnup (027.147A)
     13   GK Statement (027.149)
     14   GK Taylor v. Kronz. Amicus Brief in Support of Respondents (027.150)
     15   "Means Tested Bankruptsy" University of Memphis Law Review
     16   "Gary Klein, "Consumer Bankruptcy in the Balance: The National Bankruptcy
            Review Commission's Recommendations Tilt Toward Creditors" American
            Bankruptcy Institute Law Review 
     17   GK Rake v. Wade Amicus Brief in Support of Petitioner, 1993 (027.151)
     18   GK Nobleman v. American Savings Bank Amicus Brief in Support of Petitioner,
            1993 (027.152)
     19   South Division v. Dorothy McFarland (027.153)
     20   R. Alpert Class Action Manual (036.100)
     21   The Eckhardt-Tydings Class Action Proposal (A036.150)
     22   Brief in Anthony and Lockerbie v. General Motors (A036.250)
     23   Consumer Class Action Legislation (A036.310)
     24   Class Action Proposal (036.355)
     25   Sales Pitch for Eckhardt-Tyding Class Action Bill (036.355)
     26   Gordin Statement: Consumer Class Action Legislation (036.360)
     27   Survey of Cases and Class Actions, MAC (A036.365)
     28   Testimony of Professor Paul G. Garrity (A036.380)
     29   Klemov vs. Time, Inc. (A036.701)
     30   Class Actions #278, 1977 (A036.750)
     31   Consumer Class Action Materials (036.800)
     32   Community Action Bibliography (A044.501)
     33   Consumer Law Bibliography (A044.550)
     34   Consumer Pamphlets (A044.655)
     35   Pamphlet Corrections (A044.656)

02   01   Gordin on Maine Legislation (045.100)
     02   Fuentes v. Faircloth (045.110)
     03   Fuentes v. Shevin (045.115)
     04   Budnitz, Mark. Due Process in Consumer Cases: Fuentes v. Shevin (045.116)
     05   Fed No Fault Insurance (*)
     06   Mitchell v. W.T. Grant. Petitioner's Reply (045.122)
     07   Willier (A046.125)
     08   Nowlin v. Professional Auto Sales. Opening Brief (045.150)
     09   Lawrence Mitchell v. W.T. Grant Co. (045.125)
     10   Mitchell v. W. T. Grant on Writ of Cert to Sup. Ct. of Louisiana (045.126)
     11   Adams v. Southern California  (A045.130)
     12   Gibbs v. Commonwealth of PA Amicus Curiae Brief (045.140)
     13   Jackson v. Metropolitan Edison (A045.190)
     14   Parmet, W. National Consumer Law Center "Due Process 'Hotline'" (045.200)
     15   Due Process Hotline, 1978, 1979 (A45.201)
     16   Due Process Hotline (045.202)
     17   Index to Consumer Services (A046.050)
     18   Problems of Poor Consumer (A046.280)
     19   WFW If Consumer Advocates Could Have Anything They Wanted, What Would
            They Want (046.300)
     20   Hesse remarks to national Conference for State, County and  City Consumer
            Office Administrators (046.340)
     21   WFW "Consumer Legislation, 1971 (046.350)
     22   Gordin Press Release (A047.050)
     23   Gordin on H.R.14, 15, 16 (A47.100)
     24   Gordin-Supplemental Stat. (A047.101)
     25   Statement for the Record of G.G. Jr. (A047.102)
     26   Model Local Ordinance Commentary (047.175)
     27   Consumer Protection and Corporate Responsibility (047.200)
     28   Consumer Grievances (047.204)
     29   Consumer Protection Issues in the Sale of Variable Rate Mortgages (047.206)
     30   Staff and Subcontract Reports IX (B)
     31   Expense Vouchers (047.300)
     32   Ken Mickens, Second Mortgages and Home Improvements a Dangerous
            Escalation, Clearinghouse Review, June, 1983 (054.000)
     33   Schick Statement on Credit (A054.350)
     34   Statement of BCS Before Subcommittee on Consumer Affairs of US House
            Banking and Currency Committee on the Need for Increased Regulation
            (054.356)
     35   Leymaster Speech at California Retain Advisory Committee on Retention of
            Retail Credit Usury Ceiling (A054.360)
     36   Leymaster, "Private Accountability for All the Results of Deregulation" The
            Business Lawyer, 1982 (054.361)
     37   Consumer Credit Outline (054.310)
     38   Willier-Consumer Credit (054.325)
     39   Brian Glassman Consumer Remedies under layaway Plans (054.400)
     40   Gregory v. Atlantic Permanent Federal Savings and Loan Association Amicus
            Curiae Brief, 1985 (054.453)
     41   KK RJH MS GK. Testimony before the Senate Committee on Banking, Housing 
            and Urban Affairs (054.455)
     42   Home Equity Scams: Background Material (054.454)  
     43   ES Pioneer Credit Co. v Dollie M. Reed (054.456)
     44   Statement on Proposed TRR on Credit Practices, 1975 (065.150)
     45   Application of the NCLC for Compensation for Participation in the Rule Making
            Proceeding for the proposed Trade Regulation on Credit  Practices (065.155)
     46   Repossession and Article Nine Outline (065.160)
     47   Summary of Consumer Law Specialists' Reports on Consumer Credit Contract
            Practices, Surveyed for the Federal Trade Commission. (065.160)
     48   G. Wallace "FTC Testimony" Monograph (065.162)

03   01   Rebuttal of NCLC on Credit Practices Rules, 1978 (065.165)
     02   FTC Rebuttal-Credit Practices Rule, Exhibits 1-15, 1978 (065.165)
     03   FTC Rebuttal-Robert Hobbs (065.165)
     04   FTC Rebuttal- Credit Practices Rule, Technical Appendix, 1978 (065.165)
     05   Comments on Staff Report and Presiding Officer's Reports  (065.200)
     06   Robert Hobbs Proceeding for the Promulgation of a TRR Concerning Credit
            Practices (065.205)
     07   American Financial Services Association v FTC on Petition for Review of a Rule
            of the Federal Trade Commission (065.208)
     08   Robert Hobbs and Ian de Waal, Comments before the Federal Reserve Board on
            the Proposed Amendment to Regulate in the Proceeding for the Promulgation
            of a TRRCFT Pt 277 Concerning Credit Practices (065.209)
     09   Comments to the Federal Home Loan Bank Board on Proposed 12 CFR Part 535
            (065.210)
     10   Willier, "The Fair Credit Reporting Act: What's an Attorney to Do?" (0A66.320)
     11   William Willier, "If Credit Reporting Agencies are Doing Their Jobs, Is There
            Really Any Need for Collecting Agencies" (A066.325)
     12   Willier, Testimony (A066.330)
     13   Article Eight, Credit Reporting Agencies (A066.331)
     14   Supplemental Statement of the NCLC to the FTC Concerning the Proposed
            Interpretations of the FCRA by the FTC (066.332)
     15   Wendy Schiller Testimony Before the Subcommittee on Consumer Affairs of the
            Committee on Banking, Housing, and Urban Affairs (066.350)
     16   Schiller Testimony (066.350)
     17   Debt Collection Agencies, Press Release (071.050)
     18        Collection Questionnaire, Original and Elbrecht Comments (A071.051)
     19   Debt Collection (071.055)
     20   Blair Shick, Statement on Collection Practices (A071.060)
     21   Shick. FTC Statement (071.065)
     22   "Debt Collection' Phoenix Speech, (071.100)
     23   Subcommittee on banking, Housing and Urban Affairs (071.175)
     24   A Primer on General Law Applicable to Abusive, Unfair, and Harassing
            Collection Practices (071.176)
     25   Debt Collection Act Article (A071.200)
     26   Hobbs Statement on Debt Collection (A071.210)
     27   In the Matter of GC Services Corp, et. al. Docket Number C-2511 (071.215)
     28   Comment of the NCLC on the Proposed Official FTC Staff Commentary on the
            FDCPA filed on Behalf of Certain Low Income Clients (071.216)
     29   FDC Inserts Use to Proof (071.217)
     30   Testimony Before the Subcommittee on Consumer Affairs and Coinage
            Regarding Oversight of the Fair Debt Collection Practices Act (071.218)
     31   Heinz v. Jenkins (072.219)
     32   Consumer Rights Under Mass Deceptive Sales Act (obsolete) (A072.330)
     33   Position of the NCLC Concerning the Uniform Sales Practices Act (A072.370)
     34   Comments on UCSPA, 1970 (072.375)
     35   E. Sarason, Brief of Mass Tenants Organization (Amicus) Leardi v. Brown
            (072.385)

04   01   Swarb v. Lennox, Original, June, 1971 (075.190)
     02   Robert Hobbs Request for Retraction and Reconsideration (075.458)
     03   Hobbs Rebuttal to FTC (A075.560)
     04   Hobbs Statement (A075.610)
     05   Hobbs, Comment to FTC (A075.615)
     06   Hobbs Letter Opposing Legislation Effectively Abolishing the FTC Holder in Due
            Course Rule (S.642) (075.562)
     07   Kass on Holder in Due Course (075.505)
     08   Mooney on Holder in Due Course (A075.510)
     09   Gordon on Holder in Due Course (A075.530)
     10   Public Utilities-Chapter Handbook (A075.546)
     11   Hobbs on Amendment to TRR (A075.547)
     12   "Preservation of Buyers Claims and Defense in Consumer Installment Sales"
            William Willier Testimony to FTC, 1971 (075.545)
     13   NCLC Comment: FTC Holder Amendment Staff and Presiding Officer Reports
            (075.549)
     14   Regulatory Flexibility Act Review (075.617)
     15   Firmin Statement before DC City Council on Deficiency Judgment (078.500)
     16   Budnitz, Adams, and Taubman Statement on Equal Credit Regulations (A80.010)
     17   "Access to Credit" (090.001)
     18   Senior Consumer Alert Bulletins, 1989-1995 (090.002)
     19   Consumer Problems with Home Equity Scams, Second Mortgages and Home
            Equity Lines of Credit Prepared by AARP (090.003)
     20   Access to Credit: Special Problems of the Elderly (090.004)
     21   "Borrowing Against Your Home" (090.005)
     22   DC Training Problem and Outlines (091.003)
     23   Mark Budnitz Supplemental Statement to NCEFT on EFT in Response to
            Questions Regarding Reversibility (091.004)
     24   Mark Leymaster Comments to the Board of Governors of the FR on Regulation E
            Amendments, Consumer Electronic Fund Transfers (091.010)
     25   Transfer Act (Leymaster 3/79) (A091.015)
     26   Statement of NCLC to the US Commission on Social Security Meeting in Boston,
            MA, 11/2/79 (A091.20)
     27   Leymaster, EFT Part I (091.030)
     28   Leymaster-EFT Article Part II (091.035)
     29   Comments on Regulation E to FRB (091.050)
     30   Comments to FRB on Docket R-0520 Revisions in Regulation E (091.051)
     31   Mark Leymaster, The Electronic Fun Transfer Card, Consumer Rights and
            Liabilities (091.045)
     32   Automobile Insurance "Subsidies" Phase II Report, 1981 
     33   Gordin on Proposed Changes to FCC (A096.403)
     34   Statement on Reg Z (A096.500)
     35   ABCD Drafts (A096.500)
     36   Robert Hobbs Statement Regarding RESPA to Federal Reserve Board (096.501)
     37   Request for Formal Hearing (A096.550)
     38   Swenson-FTCA (A096.802)
     39   Hobbs Statement (A096.815)
     40   Suggested Procedures for Filing an Application for Complaint with the FTC
            (A096.890)
     41   Budnitz Statement to FTC (AO96.895)
     42   Statement to FTC on Trade Regulation Rule Proposal Regarding Negative Option
            Plans (A096.895)
     43   Gordin Statement to FTC (A096.896)
     44   Robert Hobbs Comment on Oversight of FTC Authority over Deceptive Acts and
            Practices (096.900)
     45   Ernest Sarason, Peggy Rigg, and Mark Leymaster. Amicus Brief, FTC v Dixie
            Finance Co. and Transouth Financial Corp. (096.901)
     46   Hesse Memo (A105.101)
     47   Hesse Letter requesting Rehearing (A105.102)
     48   Funding
     49   Comments of NCLC in Opposition to Applications Exemption from Title III
            (A105.103)
     50   Walters Memo on Suits Against Dept. of Labor/Garnis/Exemptions (A105.104)
     51   Draft/Brief NCLC v Hodgson (A105.105)
     52   Connors Statement to FTC on Cooling Off Period on Door to Door Sale
            (A108.320)
     53   Budnitz Statement to FTC on Cooling Off Period (A108.321)

05   01   Robert Sable Department of Business Reg. Bureau of  Insurance State of Maine.
            Regulations Governing Credit Insurance State of Maine 24-A (109.040)
     02   Sable California Insurance (A109.50)
     03   Testimony of Brooklyn Legal Service and NCLC before the Committee on
            Insurance of the Senate and Assembly of the State of N.Y./Concerning
            Automobile Insurance Rating Classifications and Residual Market (A109.100)
     04   Testimony of Brooklyn Legal Service and NCLC before the Committee on
            Insurance of the Senate and Assembly of the State of N.Y./Concerning
            Automobile Insurance Rating Classifications and Residual Market (109.101)
     05   Kenneth Reeves Testimony at Kansas Insurance Hearings, 1978 (A109.102)
     06   KR BS NY Insurance, 1978 (109.103)
     07   Credit Property Insurance (109.104)
     08   Phase I Auto Insurance, 1979 (A109.105)
     09   Auto Insurance Checklist (109.121)
     10   Public Hearings on Industrial Insurance, 1980 (109.125)
     11   Freeman B. Azzata, General Memorandum on Insurance Benefits (A109.130)
     12   Sarason, Sheldon Commonwealth of Mass. Dept of Banking and Insurance. Brief
            of Mary Morris, 1978 (109.145)
     13   Leymaster, Rigg Commonwealth of Mass. Insurance Premium Finance Board.
            Brief of Attorney General and Somerville United Neighborhoods (109.150)
     14   Robert Sable Statement Before the Board of Governors on the Federal Reserve
            System (109.155)
     15   Bob Sable, Comments on Proposed Amendments to Credit Life Insurance Rules
            (109.156)
     16   Concerning Section 167-A of the Insurance Law, 1979
     17   NC Insurance Articles (109.600-109.602)
     18   Omega National Insurance Company v. Marquardt Amicus Brief (109.604)
     19   Northern Carolina Debit Insurance Litigation Manual (109.600-109.602)
     20   Bank Holding Companies (A110.400)
     21   U.S. v. Griffin(110.900)
     22   NCLC Statement on  Proposed Trade Regulation on Proprietary Vocational and
            Home Study School (110.976)
     23   Comments on FTC Proposed Trade Regulation Rule on Sale of Used Motor
            Vehicles (110.225)
     24   Odometer Tampering-Article (110.206)
     25   NCLC Statement on Proposed Trade Regulation on Used Motor Vehicles
            (110.210)
     26   NCLC Statement on Proposed Trade Regulation on Used Motor Vehicles
            (A110.220)
     27   Schubach and Schubach v. Household Finance Corporation (A110.401)
   
06   01   Schubach and Schubach v. Household Finance Corporation (110.401)
     02   Food Chain Practices (A110.490)
     03   Statement on TRR on Health Spas (110.502)
     04   Mobile Home Park Tenant Bill of Rights Phase II Report Potential Solutions
            (110.700)
     05   Guides Household Furniture (A110.550)
     06   Sarason, Mobile Home Trade Regulation Rule, 1981 (A110.710)
     07   Quiller v. Barclays American Credit , 1984 (110.720)
     08   Manufactured Housing Park Tenants, Shifting the Balance of Power (110.722)
     09   Model Truth-in-Pricing (A110.860)
     10   Proposed TRR on Vocational and Home Study Schools (A110.980)
     11   Statement on Vocational Schools, 1975 (111.990)
     12   Statement Before Subcommittee on Consumer Affairs Rules, 1978 (112.050)  
     13   Comments on Ed. (110.991)
     14   Expansion Grant Mailings (120.200)
     15   Model Consumer Credit Act, 1973
     16   Model Prejudgment Remedies Act (A126.000)
     17   Provisional Remedies Act (A126.100)
     18   Model Service Act (A127.000)
     19   National Consumer Act (A132.150)
     20   Administration (A132.303)
     21   Agreements and Disclosures (A132.306)
     22   Boyd Comparison of the NCA and UCCC (A132.310)
     23   Consumer Remedies (A132.315)
     24   "NCA, A Model Act for Consumer Protection" (A132.327)
     25   Definitions Having Substantative Importance (A132.325)
     26   Enforcement of Security Interest (A132.330)
     27   Holder in Due Course (A132.335)
     28   Memo on NCA (A132.340)
     29   Model Home Solicitation Sales Act (A132.345)
     30   Practices in Article 3 (A132.350)
     31   Personal Receivership (A132.355)
     32   Synopsis of the NCA (A132.360)
     33   Comic Stationary (133.400)
     34   Informal Proposal LEA (A133.410)

07   01   Description of NCLC (A133.120)
     02   NCLC: Goals, Quarterly Report (A133.130)
     03   Changing Times Article (A133.180)
     04   Article on Willier (A133.185)
     05   Miscellaneous, Professor Willier Visits ACB Offices
     06   Consumer Reports (A133.186)
     07   Results of 1970 Survey (A133.250)
     08   Clearing House, 1988
     09   Clearing House, 1989 
     10   Staff Biographies (A133.305)
     11   Job Sketches and NCLC Activities (A133.308)
     12   NCLC Fact Sheet (A133.320)
     13   Information Sheet (A133.325)
     14   Outline of Activities (A133.360)
     15   Synopsis of Center (A133.370)
     16   Willier Remarks (A133.375)
     17   WFW Statement at NLC (133.380)
     18   Grass Roots NCLC Internal Newsletter (133.385)
     19   Clearinghouse Articles, 1970
     20   Clearinghouse Articles
     21   NCLC Brochure, 1982 (133.420)
     22   Liens, #61, (A) Consensual, 1975
     23   NCLC Publicity, 1983 (133.451)
     24   NCLC Publicity, 1982 (133.451)
     25   Synopsis of NCLC Activities, February, 1970 (133.369)
     26   Clearinghouse Articles 1983-1984 (133.480)
     27   Clearinghouse Articles, 1984-1985 (133.480)
     28   Clearinghouse Articles, 1980-1982 (133.480)
     29   Clearinghouse Articles, 1987 (133.480)
     30   Clearinghouse Articles, 1986 (133.490)
     31   New York (133.500)
     32   "Help for Financially Distressed Families"
     33   "Introduction to Representing and Counseling Financially Distressed Families",
            1985
     34   "Introduction to Representing and Counseling Financially Distressed Families",
            "New Poor" (1) (145.001)
     35   "Introduction to Representing and Counseling Financially Distressed Families",
            "New Poor" (2)

08   01   Debtor's Rights Handbook, A Counselor's Guide for Families in Financial Distress
            (145.002)
     02   Ken Mickens, The Appliance Rental Dilemma: Is Disclosure Relief in Sight
            (155.00)
     03   Brief in Support of Plaintiff's Motion for Partial Summary Judgment, Williams v.
            Bill Coleman TV, Inc. (155.001)
     04   Repossession and Article 9, Outline for Reginald Heber Smith Training, 1977
            (A160.100)
     05   Annotated Repossession Hotline (A160.101)
     06   Foreclosure in America, A Working Paper (165.001)
     07   Pennsylvania's Homeowner's Emergency Mortgage Assistance Program (165.002)
     08   Second Mortgage lending: Abuses and Regulations (165.003)
     09   Consumer Controversies Act (A170.100)
     10   Nebraska (A170.110)
     11   Small Loans Regulation Proposal (A171.025)
     12   Proposed Small Loan Regulation, 1969 (A171.025)
     13   Virginia Rate Hearing, 1974 (A171.050)
     14   Commonwealth of Virginia Theresa Ruffin, Elinor Flannagan, Hearing Brief
            (171.050)
     15   Consumer Protection in Pennsylvania (172.050)
     16   "A Lawyer's Guide to RCW" Washington Manual, 1986 (A172.100)
     17   Greenleaf v. Greenwald Sheet (A171.076)
     18   Greenleaf v. Greenwald (A171.077)
     19   Wallace on HR 7735 (A171.080)
     20   Massachusetts Small Loans Intervener, Defendant's Brief, 1976 (A171.075)
     21   Complaint to Enforce Liability Under Federal Consumer Credit Protection Act
            (South Carolina) (A183.100)
     22   State Exemption, Truth in Lending Connecticut, NCLC's Comments (A183.310)
     23   Brief Opposing the Oklahoma Application (183.360)
     24   Comments in Opposition to Application by Utah (A183.365)
     25   State Exemption, Truth-in-Lending, Virginia (A183.370)
     26   Truth-in-Lending Practices Handbook (A183.380)
     27   Hobbs Testimony on TUK-Senate Banking Committee (183.810)
   
09   01   Truth-in-Lending Handbook Draft (A183.381)
     02   Truth-in-Lending Amendment Comment (A183.525)
     03   Mourning v. Family Publication Service Amicus Curiae Brief
     04   Freed v. Board of Governors (183.535)
     05   Comments on Proposed Federal Reserve Board Regulation E (A191.005)
     06   Batte v. Harris (183.555)
     07   Manning v. Princeton Consumer Discount Co. Inc. (A183.560)
     08   Jim Brown (183.600)
     09   McCoy v. Salem Mortgage (A183.615)
     10   Clearinghouse No. 17,940 (A183.615)
     11   WO WS Outline Testimony before the Senate Consumer Affairs Subcommittee
            on Qui Tam Remedies under Truth-in-Lending, March 16-17, 1976
            (A183.616)
     12   Kessler v. Associates financial Services Company of Hawaii, Inc. (183.620)
     13   Comments on Regulation Z 12CFR Proposed Revision. 1981 (183.807)
     14   Statement on Proposed FCBA to Truth-in-Lending Regulation Z (183.801)
     15   Statement of Ogburn at Truth-in-Lending reform Hearings Subcommittee on
            Consumer Affairs, Committee on Banking Housing, 1977 (A183.804)
     16   Budnitz Statement to Federal Reserve Board on Regulation Z Revisions
            (A183.805)
     17   Mortgage Assistance for Unemployed, H.R. 2785, (A183.806)
     18   Comments on Proposed regulation Z, Official Staff Commentary, 1981
     19   Hobbs on S.2802 (A183.809)
     20   Ford Motor Credit Co. v. Milhollin NCLC Amicus Brief, 1978 (A183.811)
     21   Lease on Unfit (A188.821)
     22   NY Dentists
     23   Illinois
     24   Gage on Voluntary Consumer Purchases (A183.820)
     25   Leymaster Trends in Truth-in-Lending Litigation, 1979 (A183.822)
     26   Truth-in-Lending Simplification Analysis 
     27   Truth-in-Lending Case Summaries
     28   Truth-in-Lending Case Summaries, Appendix G (A183.824)
     29   Bright and Barber v. Ball memorial Hospital Associates (A183.826)
     30   Glassman, B, Consumer Obligation to Tender under Truth-in-Lending Act
            Recission (A183.827)
     31   Truth-in-Lending  (A183.830)
     32   Survey of Unconscionability under UCC 2-302 (A186.355)
     33   Unconscionability under the UCC (186.360)
     34   Survey of Consumer Fraud (A188.030)
     35   Sheldon and Zweibel, Consumer Fraud: An Analysis of Impact and Opportunities
            for Intervention (188.010)
     36   Sheldon Consumer Fraud Intervention Studies (188.010)
     
10   01   Defense Against Transfer (A189.320)
     02   Rights of Consumers under UCC Denied by Confession of Judgment Procedures
            (A189.350)
     03   Regulation E Summary (191.005)
     04   Proposed Amendment to UCCC (A192.150)
     05   Proposed NH Amendments (A192.160)
     06   Knauer Speech (A192.310)
     07   A Consumer Credit Code for Lenders, Consumer Reports (192.315)
     08   "Conference on the Uniform Consumer Code" (A192.316)
     09   Corresponding Sections in UCCC and NCA (192.320)
     10   Necessary Revisions of the UCCC (192.375)
     11   Significant Differences Between UCCC and NCA (A192.385)
     12   Open Letter to Legislators of Indiana Regarding UCCC (192.396)
     13   Gordin Statement on UCCC (A192.397)
     14   Statement Before Florida Legislature, 1972 (A192.398)
     15   A Uniform Consumer Creator's Code for Lenders, Consumer Reports (A192.390)
     16   A UCCC for Massachusetts-A Dialog (A192.391)
     17   WFW Memo to Senator Kennedy (A192.393)
     18   Virginia Knauer Rever, Betty Furness on Consumer Code, Press Release
            (192.395)
     19   Willier Statement on UCCC (A192.399)
     20   GG to Senate Subcommittee on Judiciary State California on California Senate
            Bill 2 UCCC (192.400)
     21   Clearinghouse Newsletter, 1972 (192.401)
     22   Suggested Amendments to the 1974 UCCC (192.405)
     23   Model Unit Pricing Law (A198.160)
     24   Packaging and Labeling (198.326)
     25   Open Dating Act (Unit Pricing), 1971 (A198.364)
     26   Rigg. Testimony before Senate Banking Committee regarding Oversight of
            Financial Institutions (200.100)   
     27   1406 and S.963 Providing for Preemption of Credit Rate Laws (200.105)
     28   Moore, Statement to Subcommittee of Financial Institutions of the House
            Committee on Banking (200.110)
     29   Testimony to the Subcommittee on Consumer Affairs and Coinage of the House
            Banking Committee (A200.115)
     30   Smith v. U.S Credit Corp. (200.116)
     31   Smith v. U.S Credit Corp., Ian deWaal, 1986 (200.116)
     32   Peggy Rigg, Providing for Preemption of Consumer Credit Laws. Testimony
            Before the senate Committee on Banking, Housing, and Urban Affairs    
            (200.117)
     33   Richard Elbrecht Statement  Regarding Warranties Protection, 1969 (204.050)
     34   George Gordin Regarding Warrenties, "The Consumer as Inspector", 1970
            (204.100)
     35   Willier Statement on Warranties (A204.150)
     34   Model State Warranties Act (A204.160)
     35   Gordin Statement on S3074 (A204.350)
     36   Statement of GWFW on HR 10690, S.3074, HR 18056 (A204.360)
     37   West on H.2837 (A204.375)
     38   Willier Statement before the Subcommittee on Commerce and Finance of the
            Interstate and Foreign Commerce Committee (A204.380)
     39   Pursuant to Massachusetts Contract, 1970 (A204.400)
     40   Comments of NCLC on Proposed Interpretations to the Magnuson-Moss
            Warranty Act, September, 1976 (A204.404)
     41   Statement of NCLC Concerning the Proposed Ruler Under the Magnuson-Moss
            Fed. Warranty Act for a Depreciation Deduction for Refunds Under Full
            Warranties (A204.405)
     42   Statement of NCLC to the Federal Trade Commission on It's Proposed
            Regulations to the Magnuson-Moss Warranty Act, September, 1975
            (A204.406)
     43   George Gordon M53074 (204.407)
     44   I Rhode Island, Legal Services
     45   MR Testimony Regarding S,752 Relating to Used Car Warranties (204.409)
     46   MR Testimony before Joint Committee on commerce and labor by MR Regarding
            S.55 Relating to Used Car Warranties (204.410)
     47   JS Comments (204.411)
     48   Pursuant to Massachusetts Contract, 1970 (A204.400)
     49   Debt Insurance

Series II  Standing and Advisory Committee Files

      	Standing and Advisory Committee

11   01   Standing Committee 1991-1993
     02     1994-1996
     03     1997 
     04   Standing Committee 1998
     05     1999
     06     2000
     07     2001-2003
     08   Advisory Committee Priority Setting\Advocacy Staff Meetings Priorities
            November, 1998 I of II
     09     II of II
     10     1999 I of III (*)
     11     II of III
     12     III of III
     13   December 2000
     14   January 2001-June 2001
     15   July2001-December 2001
     16   January 2002-November 2002
     17   December 2002
   
12   01   Advisory Committee Priority Setting\Advocacy Staff Meetings January-December
            2003

Series III  General Files (Washington, D.C Office) 

      	General Files

     01   Correspondence, articles, approvals, 1989
     02   Writing-Legislation, 1989
     03   Writing, 1990
     04   Writings-Legislation, 1990
     05   Writings, 1991
     06     1992
     07     1993
     08     1994
     09     1995
     10     1996
     11   Advocacy, 1997
     12     1998
     13     1999

Series IV Advocacy and Conference Files (Massachusetts Office)

      	Advocacy and Conference Files

13   01   Advocacy, 2000
     02     2001
     03   National Consumer Agency  Consumer Credit Act
     04   NCA II, Volume I (BINDER)     
     05   "Survey of Consumer Fraud Law" Dept. of Justice Report,  June, 1978
     06   Legal Services Corporation Rate Case Trial Handbook, Revised, 1978
     07   "Protecting Telephone Consumers after Divestiture" Report, 1989
     08   "Protecting Telephone Consumers after Divestiture, Supplemental Materials,"
            December 1989
     09   Low Income Energy and Utility Programs: The Challenges Ahead, Conference
            Report, February, 1995

14   01   Symposium on Market Failures and Predatory Lending, Conference Report, May 2003
     02   Consumer Specialist Training Conference Program, 1979 
     03   Manual I of IV, September 1979-Boston
     04     II of IV
     05   Manual III of IV, September 1979-Boston

15   01   Anitra Banks Massey v. Henrico Federal Credit Union, ca 2001
     02   Dora Carillo v. Louis C. Su. ca 2001
     03   Consumer Specialist Training Conference Volume I, Kansas City, Missouri, 1976
     04     Volume II
     05   Consumer Specialist Training Conference Volume III, Kansas City, Missouri, 1976
     06   Community Service Administration (CSA) 1976
     07   EFT Research Institute Fellowship
     08   Federal Trade Commission Unfair Credit Practice Rule
     09   Research Institute Auto Insurance Proposal, 1978
     10   LSC Contract manuals
     11   Center Work Program Committee, Staff Reductions, 1980-1981
     12   Field; Marketing to
     13   Staff Cuts/Planning, 1995
     14   MLAC Contracts, 1999
     15   The Energy Foundation
     16   Dabney v Ronald Reagan et al.
     17   MLAC: Monitoring 1988
     18   Project Planning Sheets/ Funding projects, 1993-1994
     19   MLAC: Monitoring 1994
     20     1999
     21   MLAC: FY Annual Report, 2000
     22     2001 
     23     2001-2002
     24     2003

16   01   Legal Service Corporation Quarterly Report, October-December, 1977
     02     January-March, 1978 
     03     Report, 1979
     04     9/31/80
     05     1981
     06     to 3/81 copies
     07     10/81- 3/82
     08     Report 4/1/83-9/30/83
     09     10/1/83-3/31/83
     10     10/1/83-3/31/84
     11     4/1/84-9/30/84
     12     10/1/84-3/31/85
     13     4/1/85-9/30/85
     14     4/1/85-9/30/85
     15   Quarterly Report, April-June, 1976
     16     July-September, 1976
     17     October-December, 1976
     18     January-March, 1977
     19     April-June, 1977
     20     July-September, 1977
     21     July-September, 1978
     22     October 1978-March 1979
     23        1990
     24     1990 Backup

17   01   Legal Service Corporation Quarterly Report 1990 (1)
     02   Backup
     03   Personal Docket: 1990 (1)
     04   Quarterly Report 1990 (2)     
     05   Backup
     06   1990 (3)
     07   Backup

Series V  Research Materials

     		Lending and Debt Management References

18   01   Conference of State Bank Supervisors Agreement Video, VHS Tape 
     02   "The Family Loan Program: Moving Towards Self-Sufficiency" A Program of
            Family Service America Supported by the McKnight Foundation, VHS Tape, 1995 
     03   "Predatory Mortgage Lending" Fox 5 News Segments VHS Tape, May 4-6, 1998
     04   Fair Debt Collection Act, FTC Letters Volume I, 1977-1978
     05   Fair Debt Collection Practices Act, FTC Letters Volume II and III,  April 25, 1978
            to November 20, 1979
     06   Fair Debt Collection Practices Act, FTC Letters Volume IV, 1980-1984
     07   Fair Debt Collection Practices Act, FTC Letters,496d, 1985 
     08   Fair Debt Collection Practices Act, FTC Letters 496E. 1987 
     09   Fair Debt Collection Practices Act, FTC Letters Continued, January 29, 1988-
            May 19, 1989 
     10   Federal Trade Commission Letters, 1988-1989
     11   Federal Trade Commission Letters, 1990 
     12   Unfair and Deceptive Act Practices, 1974 #162

      	Banking Cases, Mortgage Abuse Research, and Home Equity Research

19   01   Banking, 1981, #327 
     02   Banking 1980, #381
     03   Banking, #815
     04   Banking, 1976, #818
     05   Banking, 1979, #870
     06   Banking, 1977, #1147
     07   Banking, #1206
     08   Banking, 1985, #1324
     09   Banking, #1343
     10   Banking, 1984, #1369
     11   Banking, #1507
     12   Banking, 1060, 1983 (1)
     13   Banking, 1060, 1983 (2)
     14   Banking, 1984, #1567
     15   Banking, 1977, #1735     
     16   Bay Banks Inc. 
     17   Banking Services Survey, August 1991
     18   New Mill, Fringe Banking      
     19   General Motors Acceptance Corporation Mortgage Corporation
     20   Home Equity Background 
     21   Home Equity: Regulations, Mass Usury Bill, 1991
     22   Home Equity: Mass. Brokers and Lenders Regulations/Comments, August, 1991
     23   Mortgages, Abuses, Marketing and Land Bank Training
     24   Mortgage Abuses, Mass Settlement, 1992
     25   Mortgage Abuses: Public Citizens Study, 1994           
     26   Mortgage Brokers, Massachusetts Regulations, 1992
     27   Mortgage Discrimination, Press (Atlanta) 23 Mortgage/Fees, Examples & Cons. Ed
     28   Mortgage/Discrimination Studies, Cloud and Jalster "What Do We Know"
     29   Mortgage Discrimination Studies, New York
     30   Mortgage Foreclosure
     31   Mortgage Regulation, Readability Study
     32   Mortgages: Regulations, Home Improvement K-tor (Mass.)

   
      	Credit Deregulation and Insurance

20   01   Butler v Sterling Inc.
     02   Deregulation: Impact
     03   Credit Deregulation Cases
     04   Banking Legislation, Interstate Operations
     05   Interest Rate: General 
     06   Interest Changes: Late Charges, Beaselly v Wells Fargo Bank
     07   Banks Policy: Expanded Power
     08   Denial of Insurance Benefits Case
     09   Rockefeller Letter: Minority, December 1983
     10   Credit Insurance: Training, 1985 
     11   Credit Insurance: Loss Ratios, State Experience (J. Hunt, 1990)
     12   Meetings on Abuses and Bad Actors (United) 
     13   Home Equity: Boston Second meeting, A6 Complaint/Massachusetts v Money
            Tree and Rhodes Financial
     14   Credit Discrimination Studies
     15   "25 Ways to Increase Fee Incomes", Income Report for Financial Institutions
     16   Banking, Check Charges, Consumer Federation of America Study, 1993
     17   Donna Bernstein, Legal Aid Bureau Correspondence
     18   Social Welfare Policy
     19   "Comments on First Tentative Draft"
     20   Summaries
     21   Reduced Rate Financing
     22   Refunding 
     23   Service Request Tallies
     24   Miscellaneous Faxes and Articles
     25   Regulating Governing Credit Insurance Comments
     26   Credit Insurance: Georgia Cases and Rates, Griffin v American Defender
     27   Act Travel School
     28   Credit Insurance: Unemployment Massachusetts Log Comments, June, 1991
     29   Credit Insurance: Involuntary Unemployment, Mass Comments (Draft)
     30   Massachusetts Credit Unemployment Insurance

      	Credit Insurance

21   01   Federal Reserve Bank Credit Insurance Report, 1972
     02   Computation materials 
     03   Federal Trade Commission: ASCCIO Rule: Federal Trade Commission
            Correspondence
     04   Federal Trade Commission Rule: Presentation of Claims and Defenses,
            Miscellaneous Correspondence
     05   Human Investment and Development Corporation Senate Bill, 1976
     06   Federal Trade Commission Rule: Preservation of Claims: Local Strategic
            Partnership Statements
     07   Credit Insurance, Unemployment State Survey
     08   Iowa- Lowe, Linda, Credit Insurance/Unemployment, 1986
     09   Arizona-Pyle, Chuck, Credit Insurance/Involuntary Unemployment
     10   Motion to Amend Judgment to Dismiss, December, 1986
     11   AETNA-THORP WISC Claim 44,8-1, PR
     12   Mortgage Brokers: Proposed Massachusetts Regulations, 1989
     13   Rockfeller Case Studies
     14   Mortgage Brokers: State Samples
     15   Press Release and Chart
     16   American Association of Retired People: Deregulation Study
     17   Rhode Island
     18   The National Legal Aid & Defender Association Announcements and
            Applications, 1991
     19   Johanson, Julise, California Insurance Packing, (Unemployment Insurance
            Policy), 1991
     20   Credit Life Insurance 
     21   National Association of Insurance Commissioners: Consumer Reports
     22   Arizona-Burke, Bruce, Insurance Packing (Association), 1992
     23     OACHOA, 1992
     24   Forced Placed Insurance, Butler v. Stirling
     25   Garcia v. Khan, World Savings and Loan (1)
     26     (2)     
   
      	Credit and Fees

22   01   Credit Availability #240 
     02   1976, #251
     03   1975, #419
     04   1977, #423
     05   	#710
     06   Credit, 1980, #852
     07   Credit #856
     08   Credit, 1981, #909 
     09   Credit, Charges Other than Interest, #1333
     10   Credit Rates and Regulations, 1974, #248
     11     1976, #310MA
     12     1981, #390
     13     1973, #443
     14     1981, #328
     15     1980, #850
     16     #1029
     17     #1209
     18     #1338
     19     1984, #1358
     20     1984, #1359
     21     1978, #1768
     22   Credit Reporting, #766a
     23     #766b
     24   Fair Credit Reporting Act #1046c
     25   Access to Credit: Maine Study
     26   Credit Statistical Comparison, 1978, #308
     27   Credit Statistical Comparison, 1981, #1689
     28   Attorney Fees, 000001

      	Default Judgment Studies, Truth-in-Lending Analyses, and Unfair and Deceptive
          	Practices Act Cases

23   01   Default Judgments, 1975 #397
     02     1983, #1015
     03   Truth-in-Lending, 1969, #92
     04     Disclosure #98 
     05     Recission, 1975 #102
     06     1976, #106
     07     1976, #108
     08     1975, #115
     09     Recission, 1983, #519b
     10     	#1042   
     11     	#1195
     12     1983, #1310
     13     Recission, 1987, #1433
     14     Open End Credit, 1982, #1828
     15     Disclosure, 1976, #473
     16     Disclosure #525
     17     #454
     18   Statute of Limitations 1974, #455
     19     Statute of Limitations, 1980, #458
     20     1975, #491
     21     1973, #493
     22     1978, #571
     23     1978, #838
     24     Arrangers of Credit #884
     25     1981, #886
     26   "Right to a Jury Trial in TIL Litigation" by Wendy W. Schiller
     27   Unfair and Deceptive Practices Act Cases, 1974 #159
     28     Local Ordinances Selected, #568
     29     1982, #1081
     30     Recreational Property, 1987, #1420
      
      	Fair Debt Collection Practices, Insurance Cases, Federal Deposit Insurance
          	Corporation, and Federal Trade Commission Regulations

24   01   Fair Debt Collection Practices (FDCPA) #546
     02     # 554 H
     03     J-K
     04     L
     05     M
     06     N-O
     07     SA-SM
     08     SM-T
     09     U
     10     V-W
     11     X-Z
     12   Force Placed Insurance
     13     Mississippi Case
     14   People v Beta Technical Schools
     15   Consumer Federation of America Conference on Credit Insurance, December 24, 1989
     16   Public Citizen Insurance Conference, February 1-3, 1990
     17   Insurance Packing Licensing Authority
     18   Barrett, Scott Mortgage Guarantee Insurance, 1993
     19   Insurance: Gap Insurance
     20   Carolyn Carter
     21   Balboa
     22   Central States Insurance      
     23   American Security
     24   Careercom/Watterson
     25   Central Business College, Inc.
     26   Central National
     27   County Schools, Inc.
     28   Federal Deposit Insurance Company Cases
     29   Federal Trade Commission Door-to-Door Rule 
     30   Federal Trade Commission Holder July, Reopening of Record 1979
     31   Federal Trade Commission Holder Rule, Protection Problems
     32   Federal Trade Commission Holder Rule, Defense Cut-Off Devises #876
     33     #878
     34   Federal Trade Commission Human Investment and Development Corporation:
            Federal Reserve Board Proposals
     35   Federal Trade: Fair Debt Collection Practices Act Informal 
     
      	Insurance Packing Cases 

25   01   Insurance Packing ITT, Iowa, AG Clearinghouse #44.801-0 
     02   Insurance Packing: Cases, Iowa: Newton v. Thorp (ITT) Clearinghouse #44.801N
     03   Insurance Packing: Cases, Iowa: Stansberry v. ITT (1988) Clearinghouse
            #44.801M
     04   Insurance Packing: Cases, Iowa: Minnnisota, Hawkins v Thorp, Clearinghouse
            #44.801 A-D
     05   Hawkins v Thorp Settlement, Clearinghouse # 44.801-W
     06   Insurance Packing: Cases, Maryland: Bagwell, et al. v Kovens (1988)
            Clearinghouse  #44.801-I
     07   Insurance Packing: Cases, Ohio:  James v. ITT Class Evidence
     08   Insurance Packing Cases, Florida: Jones vs Credithrift of America, Inc.,
            Clearinghouse # 44.801 
     09   Insurance Packing: Cases, Ohio: James v ITT Final, Clearinghouse #44.801G-H
     10   Insurance Packing Document Book, Minnesota: Hohn v. Thorp, Clearinghouse
            #44.801E
     11   Insurance Packing Document Book, Minnesota: Hohn v. Thorp, Clearinghouse
            #44.801F
     12   Insurance Packing  ITT, Wisconsin
     13   Insurance Packing: Cases, California: California v ITT Financial, Clearinghouse
            #44.801 S-T
     14   Insurance Packing/Unlic. Sales: Cases, ITT, Arizona: State of Arizona v. Aetna
            Financial et al. (1987), Clearinghouse # 44.80J
     15   Insurance Packing: cases, ITT, Arizona: Urbina v. Aetna, et al. (1983),
            Clearinghouse # 44,801 L
     16   Insurance Packing/Unlic. Sales: Cases, ITT, Arizona: Samorano v Aetna (1983),
            Clearinghouse  # 44,801K
     17   Insurance Packing, Delinquencies: Australia, HFC
     18   Insurance Packing: Press
     19         Insurance Packing: ITT, Efforts to Limit Liability
     20   Insurance Packing: Documents to Discover
     21   Insurance Packing: Summaries
     22   Credit Insurance: Unemployment NCLC 
     23   Training : Florida  Credit Insurance 9/90
     24   "Banks, Communities, and Public Policy" By James Campen
     25   Cons: Credit Insurance
     26   Broker's Fees, Claims Cases
     27   Harris v. The Associates
     28   Davis
     29   Poor Pay More
     30   "Second Mortgage Lending: Abuses and Regulation" by Kathleen Keest
   
          Uniform Consumer Credit Code and Usury Material

26   01   Uniform Consumer Credit Code Comments
     02   Comments on First Tentative Draft 
     03   Uniform Consumer Credit Code 1968, Revised First Tentative Draft of Uniform
            Consumer Credit Code 1966
     04   Second Tentative Draft of Uniform Consumer Credit Code 1967 (Working Draft
            Number 4)                   
     05   George Richter, "UCCC Questions for Advisory Committee" 1967     
     06   Uniform Consumer Credit Code 1968, Supplement to First Tentative Draft
     07   National Legal Aid Defender Association Memo, Uniform Consumer Credit Code
            January, 1969
     08   U3C Statement by AFL-CIO, February 17, 1969
     09   R.A. Elbrecht Statement Before Senate Advisory Committee, October, 1971
     10   Minimum Uniform Consumer Credit Code Amendments Draft
     11   Uniform Consumer Credit Code Critique, 1974
     12   Rogers Leitew with Enclosures
     13   Notes on Articles Uniform Consumer Credit Code
     14   Tennessee Attorney General Letter January 17, 1985
     15   Comments on Working Draft Number 6
     16   Uniform Consumer Credit Code State Materials #1010
     17   Massachusetts
     18   New York
     19     1972
     20   Ohio
     21   Wisconsin, 1971
     22     1972
     23     1974
     24   Usury #165
     25     1973, #283Me
     26     1980, #849
     27     1981, #855
     28     #860
     29     #862
     30     Archive  80-7 Usury  #1148 
     31   1984, # 1340
     32     1980-? #1343
     33   Chapter 11, Brokers

      	Uniform Consumer Credit Code Legislation References and Miscellaneous Studies

27   01   Uniform Consumer Credit Code Draft #6, 1967
     02   Draft #7, 1968
     03     Draft #8, 1968
     04   Staff Brief 71-10, 1970
     05   Uniform Consumer Credit Code Statement Materials #1010, 1970 
     06   Comparison of the Uniform Consumer Credit Code and Present Massachusetts
            Statutes #1010 
     07   "The Allocative Effects of Branch Banking Restrictions on Business Loan 
            Markets," 1975
     08   "The Impact of the FTC on Credit Contract Regulations," 1977
     09   "Consumer Fraud: An Analysis of Impact and Opportunities for Intervention"
            February 1978
     10   "Three Day Cooling-off Period Trade Rule Evaluation Study #1025," 1981
     11   "Good Intentions and Unintended Evil"
     12   Credit Card Plans, 1990
     13   "Sterling Profit Management Review," Volume 1, 1993    
     14   "Payment Protection Program," Volume 2
     15   "100 Accounts Receivable," Volume 3




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