TAILIEUCHUNG - Credit Counseling in Crisis: The Impact on Consumers of Funding Cuts, Higher Fees and Aggressive New Market Entrants

This interpretation of disproportionate impact conforms to various judicial interpretations. A clear judicial statement regarding the statistical issues was issued by the Supreme Court in Thornburg v. Gingles, 478 . 30 (1986). While there were separate concurring opinions, there was no disagreement regarding the statistical problem associated with the case. At issue was alleged gerrymandering that diluted the voting strength of minorities across several districts. Given the relevancy of the court’s opinion to issues discussed above, the decision is worth quoting at some length: “Appellants argued that the term ‘racially polarized. | NATIONAL CONSUMER LAW CENTER INC Credit Counseling in Crisis The Impact on Consumers of Funding Cuts Higher Fees and Aggressive New Market Entrants A Report by Consumer Federation and National Consumer of America Law Center April 2003 Credit Counseling in Crisis Credit Counseling In Crisis The Impact on Consumers of Funding Cuts Higher Fees and Aggressive New Market Entrants A Report by The National Consumer Law Center and Consumer Federation of America April 9 2003 Written by Deanne Loonin Staff Attorney National Consumer Law Center Travis Plunkett Legislative Director Consumer Federation of America ACKNOWLEDGMENTS Eric Friedman Investigative Administrator with the Montgomery County Maryland Division of Consumer Affairs and David Lander with Thompson Coburn LLP in St. Louis provided extensive guidance and technical assistance in the preparation of this report. Carolyn Carter John Rao Elizabeth Renuart Steve Tripoli and Chi Chi Wu all advocates with NCLC also provided guidance and editorial assistance. Berhane Gehru prepared the graphs and produced this report. Mica Astion provided research assistance. Although too numerous to name here we thank the many individuals both inside and outside of the industry that provided input for this report. Consumer Federation of America is a non-profit association of 300 groups that was founded in 1968 to advance consumer interests through advocacy and education. CFA regularly monitors developments in the credit counseling industry. A CFA representative has served on the advisory board of the National Foundation for Credit Counseling for several years. National Consumer Law Center is a non-profit organization specializing in consumer issues on behalf of low-income consumers. NCLC works with thousands of legal services government and private attorneys as well as community groups and organizations that represent low-income and elderly individuals on consumer issues. Consumer Federation of America 1424 16th St. NW Suite 604 .

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