UK, which found UK mass surveillance violated fundamental rights to privacy and freedom of expression. 01, 2003 Privacy and Poverty: Why The Proposed Federal and Local Homeless Tracking System Raises Serious Privacy Concerns Wednesday, Sep. Ramasastry also notes that advancing satellite technology may mean that Google has the last laugh - with excellent satellite images of North Oaks replacing the street-level images that were removed. 3, 2019) Bill to Limit Robocalls Moves Forward in Senate The Senate Commerce Committee today approved a bill to strengthen the FCC's ability to prevent robocalls. Epic has also sued to block the citizenship question in epic. Between 19, it applied to garnish either wages or income tax refund deposits.94 of the 17,480 Credit Acceptance cases for which data was available in Michigan's 36th District Court, which includes Detroit. 3, 2019) Bipartisan Group of Senators, Representatives File Bill To End NSA Surveillance Program Sens. Future Consent Orders may not be so forgiving. Senators Markey (D-MA) and Blumenthal (D-CT) also wrote a letter to Zuckerberg requesting answers on children's use of Facebook.
Washington law professor Anita Ramasastry explains the facts and law relating to Attorney General John Ashcroft's recent proposal to create internment camps. Bilyana Petkova, Jennifer Stoddart,. We compiled output from our custom software in Microsoft Excel, which we then used to analyze the data. On December 3, 2009, Credit Acceptance closed caalt 2009-1 with an 18 month revolving period, which received an AAA rating from S P and dbrs, Inc. FBI (cyberattack victim notification epic. Bloomberg BNA July 06, 2017, manchester commercial litigation partner Dan Deane provided commentary in this article about the Federal Trade Commissions recent comments in support of the Federal Communications Commissions initiative to allow telephone providers to block illegal telemarketing robocalls. 24, 2007 Must Zillow, the Online Home Price Estimator, Be Licensed as a Real Estate Appraiser in Arizona? At 3, the cash loss increases to 484.34 million, and at a 7 variance the cash loss is approximately 1 billion, sufficient to wipe out dealer holdback in every Dealer Loan pool. Circuit has rejected an attempt by the Department of Justice to cut short epics appeal in epic. Epic has urged US support for the Universal Guidelines for AI, a policy framework emphasizing fairness, accountability, and transparency for AI systems. Will the allegation prove valid? A Federal Court Dismisses a Suit Based on a Threat of Identity Theft and an Extortion Letter. Failure to provide documentation is not just an inconvenience.
District forex class action lawsuit robocall Court for the District of Columbia. Southwest Re's actual purpose is the business of setting up reinsurance companies for car dealerships. The European Commission will open a pilot program to test implementation of the Guidelines for Trustworthy AI this summer. Epic urged Congress to require the Census Bureau to remove the citizenship question from the 2020 census, pending the completion and review of required Privacy Impact Assessments. 2, 2019) In Mueller Case, epic Proposes Expedited Briefing and Court Review of Full Report In a court filing today in Washington, DC, epic has proposed an expedited briefing schedule in its case for release of the full Mueller Report concerning. While epic agreed external marking are preferable to hidden identifiers, epic said the rule did not go far enough. She purchased the vehicle in 2014 from 1 Stop Auto Sales in Memphis, Tennessee for 20,134.24, of which she financed 10,893.36 through Credit Acceptance. In October 2017, under the heading "Claims Paid the Contract Holders page stated, "Each month, we cover the cost of many claims. Credit Acceptance moves the loan out of the warehouse lending facility as soon as possible, in days or weeks rather than months as might be typical for a medium-term lending facility. Washington law professor Anita Ramasastry assesses the legality of a new website called m, which asks users to post information about those whom they believe are government informants or undercover agents. In a decade of financial statements and reporting, Credit Acceptance has not once told investors that it engages in DCPs as described in its securitization deal documents. Trump hires Denver attorney Ty Cobb who participated in Qwest fraud cases The Denver Post July 16, 2017 This article focuses on the Trump administrations appointment of Ty Cobb as special counsel to oversee the White Houses responses to the. These supporters seem unaware that those failures might be attributable to the fact that the model does not work.
Thursday, June 4, 2009 Do Interactive Websites Have a Legal Duty to Remove Malicious Content? However, the NSA has acknowledged compliance problems and doubts remain about renewal of the program later this year. Epic's earlier lawsuit against the DHS led to the removal of backscatter x-ray devices at US airports. DOJ, a foia case concerning predictive policing, algorithmic transparency, and executive privilege. Washington law professor Anita Ramasastry discusses a recent Washington lawsuit in which two plaintiffs, who seek to head a class action of similarly-situated persons, claim that Qwest, their provider of high-speed Internet service, charged them an illegally high early termination fees. Oversight of compliance lacks "substantial checks." The EU Data Protection Board encouraged the Privacy and Civil Liberties Oversight Board to review.S. Epic has repeatedly called for remote, broadcast ID for drones, and led a coalition in 2012 to petition the agency to conduct a rulemaking on drone privacy. Hearing held to address concerns of Indonesian immigrants facing deportation wmur October 20, 2017 Manchester commercial litigation partner Dan Deane, associate Nate Warecki and Boston government investigations and white collar defense associate Ronaldo Rauseo-Ricupero were"d in the following coverage. Epic cited the Federal Trade Commission's limited ability to enforce basic data protection standards, and the growing dangers of data breach, identity theft, and cyber attacks by foreign adversaries.
The company then abuses court systems nationwide (that already favor wealthy corporate litigants) to wring wage garnishment orders out of judges based on faulty interest rate calculations and mathematical errorswhich it has sued over to prevent the courts from examiningrepossesses. Even if each lawsuit were perfectly crafted and justified, there would still be reason to question the company's litigation volume. (Warranties are optional) but if you take out the warranty you get far less profit and will be unable to make the deal (The good point about selling cars with warranties is if you have a service department. The following year, Credit Acceptance also issued two Term ABSes, caalt 2013-1 and caalt 2013-2, for a combined total of 338.1 million. Walton has also ordered the Justice Department to disclose additional information about the Mueller Report to epic by June. Only one industry observer appears to have noticed similar activity, though its description may refer to Transfers. Cpfb arbitration rule: What you need to know New Hampshire Business Review October 27, 2017 Manchester commercial litigation partner Dan Deane authored this article about what businesses should know about the Consumer Financial Protection Bureaus new rule that limits arbitration. Or can they wait until unauthorized purchases are made?
15, 2019) NY Court Blocks Citizenship Question in 2020 Census A federal judge has ruled that the Secretary of Commerce's decision to add the citizenship question to 2020 Census was unlawful. Caalt /26/2017 During its ordinary course of business in managing its serviced portfolio of dealer loans (and not based on the poor credit quality of particular dealer loans), CAC may from time to time agree to enter into an agreement (a "Dealer. 7, 2019) epic Makes Final Arguments for Injunction Blocking Citizenship Question epic has filed a reply brief in epic. Kobos did not respond to a request for comment. 19, 2007 A Federal Court's Preliminary Injunction Bans a Kingpin Spammer from MySpace: Why the Court's Ruling Was Correct FindLaw columnist and. The emails also reference a signing statementlikely for the 2001 authorization of military force and a discussion thread "fisa Foreign Intelligence Surveillance Act letter." The agency previously identified several hundred e-mails about surveillance programs that Kavanaugh authored. There was unprecedented secrecy surrounding the nomination of Judge Kavanaugh to the Supreme Court. Ramasastry covers the state of laws and practices concerning data security, including the Payment Card Industry Data Security Standard (PCI DSS and the pending lawsuits that have been filed in connection with this historic breach. Similarly, in the 18,284 Credit Acceptance cases for which data is available from 20, the company requested garnishment.43 of the time.
The sites states that its purpose is to help criminal defendants and their attorneys. As discussed in Part 1, Credit Acceptance dealers can manipulate vehicle quality and pricing to close deals that may otherwise be unprofitable. Across the entire subprime market, unscrupulous dealers look for ways to increase profits by hiding finance charges in the price of the vehicle or in other fees. Up through November 27, 2017, the first program scraped court cases from the 36th District Court's public Court Case Inquiry website at We determined that this website serves as a basic front-end for an forex class action lawsuit robocall IBM mainframe system that stores the actual case records. Epic has long advocated for remote identification mandates for drones and petitioned for regulation of these surveillance tools. Justice Thomas opposed the settlement in Gaos, explaining "because the class members here received no settlement fund, no meaningful injunctive relief, and no other benefit whatsoever in exchange for the settlement of their claims." Justice Thomas did not rule out cy pres. Barr whether the Supreme Court's recent decision in the Carpenter case affected his views on privacy. This article is about Manchester commercial litigation partner Dan Deane, associate Nate Warecki and Boston government investigations and white collar defense associate Ronaldo Rauseo-Ricuperos pro bono class action case involving Indonesian Christians facing deportation. The Warehouse II documents were later changed to include DCP verbiage. FBI (response to Russian cyberattacks epic obtained the FBI victim notification procedures. By the end of 2016, the interest rates on Credit Acceptance's warehouse facilities were twice their 2014 rates, so the company chose to rely more heavily on fixed rate ABS issuances. In the latest foia gallery, epic also highlight a significant ruling from the.C. In Walker's lawsuit, Credit Acceptance filed its copy of the RICbut no paperwork explaining her VSC or GAP coverageas an exhibit, noting that Walker agreed to.99 APR and a 17,326.21 finance charge for a vehicle priced at 13,395.00.
United States, Byrd. 3.7 million of the forex class action lawsuit robocall shares sold were beneficially owned by Don Foss, the company's founder and Chairman of the Board. Epic has urged the agency to undertake a notice and comment rule making that would provide the public with the opportunity to comment on the controversial program. By January 22, 2014, going strong with 6,394 active dealers, Credit Acceptance issued 300 million in senior notes and used the proceeds, along with other borrowings, to redeem its previous outstanding senior notes. The theme park claimed that it was necessary to show some additional harm, but the Illinois Court held that when companies violate the law, "the injury is real and significant." epic filed a "friend of the court" brief. Exercise of property right, or zoning by another name? Sununu asks Trump to stop deportations. The Universal Guidelines are designed to protect human rights in the development and use of AI systems. Furthermore, as Credit Acceptance has added more dealers to its business, each dealer has become less "productive" on average with lower per-dealer loan volumes, making it that much less likely that each dealer will close 100 loans, form.
Why the Current Proposal on Section 215, the Business Records Provision, Still Falls Short FindLaw columnist and. Here in Part II, we examine the company's financial history, structure, and its relationships with Wall Street. In the following coverage, Litigation Department Chair Scott OConnell is"d discussing a dispute between the state of New Hampshire and a group of hospitals over tax and reimbursements for uncompensated care. First, the Turks and Caicos Islandsthe most popular locale for offshore insurance companies in the world according to data from the National Association of Insurance Commissioners (naic)offer lower capital requirements to form a reinsurance company than any locale within the United States. Therefore, if litigation is inversely correlated with collections success and it is a notoriously slow process, one might also ask why the company continues to litigate more and more. He believed terms were changed, including interest rate reductions, though this contradicts the company's public stance. Law360 names attorneys who moved up the firm ranks. 05, 2004 A Swiss Court Decides to Allow Gypsies' Holocaust Lawsuit to Proceed: This Important Ruling Shows the.S.
Both cases are expected to be decided by the end of the Court's term in June. Washington law professor Anita Ramasastry discusses a rico/malicious prosecution case brought against the Recording Industry Association of America (riaa) by an Oregon woman, Tanya Andersen, who says the riaa wrongly accused her of, and sued her for, illegally sharing copyrighted music files. Credit Acceptance continued its charge-offs, writing off an additional 450 million in loans. The Struggle To Stay Afloat Round-Tripping, with a Swing and a Sweep The use of circular cash flow, or "round-tripping to sell an asset to another company and later on repurchase it at approximately the same price is a hallmark of accounting fraud. Department of Agriculture because of the risk it might carry Mad Cow Disease. Ramasastry explains why the search engine is legal - but considers whether, and how, sites like this ought to be regulated to preserve privacy. 22, 2019) epic Joins Coalition Calling on FTC to Investigate Facebook for Deception of Children A coalition of consumer groups sent a complaint to the FTC, charging that Facebook engaged in unfair and deceptive practices and violated the Children's Online. As a publicly-traded company, Credit Acceptance began an immediate, rapid, and "irrational" expansion strategy that included setting up operations in Canada and the.K. Washington law professor Anita Ramasasty considers the legislative proposals that have been made in several states to force online dating sites to do criminal background checks on their users.
Barr responded, somewhat surprisingly, that he had "not read forex class action lawsuit robocall that decision" but "it may modify his views." Senator Leahy said he would expect an answer from the nominee to a written question. The fee was again made non-refundable. "Dealers view these funds as their retirement money." While some dealers have also argued that increasing the price of a loan by adding a VSC is not always desirable because it increases the overall risk that the consumer will. Also, epic's Freedom of Information Act request revealed that there are there are over 26,000 complaints pending against Facebook. Why the Site Is Wise To Add Disclaimers to Its Home Valuations FindLaw columnist and. Circuit with an argument scheduled for May.
Washington law professor Anita Ramasastry discusses two reports that may well deal the final blow to the Computer Assisted Passenger Pre-Screening System II (capps II) - at least as currently envisioned. The suit challenges the constitutionality of a key provision of the post-September 11 USA patriot Act; Ramasastry argues that the First and Fourth Amendment concerns the provision raises are very real indeed, and that legislation to amend this provision ought to be enacted. It is possible that the company was reacting to the.2 million judgment in the case of Carrie Peel, a car buyer from Independence, Missouri. "A federal law that preempted California's ability to respond to new threats would have placed consumers and businesses at risk epic said. This could be because the vehicles they purchase are disproportionately likely to break, and/or because dealers desire some a way to build an additional, undisclosed credit charge into their loans, despite the violation of federal and state Truth In Lending laws. 20, 2019) epic, Coalition Call on Congress to End NSA Surveillance Program epic joined civil liberties organizations this week in a statement to the House Judiciary Committee, calling for a permanent end to the NSA's phone record collection program. 18.104.22.168.0047.1 NNI Nelnet, Inc.
Short-Term Financing Options Long-Term Financing Options Secured Line of Credit : A simple lending arrangement provided by a syndicate of banks that allows for short-term borrowing up to a pre-set limit, generally secured by company assets not released to warehouses and securitizations. The advocate general said that while Europeans are entitled to have private information delisted in the EU, search engines do not have to remove links from view in foreign domains even though they make the personal data available in those domains for commercial benefit. In the deep subprime market, this is frankly impossible, even on the best of days. Manchester Corporate partner Phil Taub is featured in this interview about his view on the market for mergers and acquisitions. 5/26/2011 Minnesota District Court 0:11-cv-01358-MJD-SER Security Life Insurance Company of America. The proceeds of the advance are used to fund the sale of Dealer Loan pools or Purchased Loans to CAC Warehouse Funding LLC. As economic storm clouds gathered, these purchased loans were used to provide collateral for Credit Acceptance's last insured securitizations: Credit Acceptance Auto Loan Trust (caalt) 2007-2. Crump, entered her case, she had already lost.
Cash flow generated by Eligible Purchased Contracts, replacement Eligible Purchased Loans, replacement Eligible Dealer Loans, pre-existing Eligible Purchased Loans, and pre-existing Eligible Dealer Loans is made available to bond holders to the extent necessary to meet any dealer requirements. In fact, right on the home page, its Investor Relations website states, "Our Guaranteed Credit Approval program provides automotive dealers with the opportunity to deliver credit approvals to consumers within 30 seconds through the Internet using our patented Credit Approval Processing System (caps. Such orders can last for years, and sometimes, decades, following people from job to job. Eligible Purchased Loans are RICs that Credit Acceptance purchases outright from dealers under the Purchase Program. Episodes such as these could lead to significant damage to the company's reputation. The company was required to send letters to consumers correcting its Kansas Retail Installment Contract language.
The company announced that the interest rate on the facility had been reduced from the commercial paper rate plus.75 to the commercial paper rate plus.0 and that there were no other material changes. On average, the company repossesses vehicles within 15 days of a borrower's second missed monthly payment. In addition, Kenneth. Senators Roy Blunt R-MO and Brian Schatz D-HI introduced a bill to protect consumers from companies collecting facial images. 17, 2019) Senator Leahy Questions Barr about Carpenter Privacy Case During the nomination hearing for the next Attorney General, Senator Leahy asked. As recently as January 30, 2018, Brett Roberts answered a basic analyst question about a 27 million adjustment with, "I don't know, you stumped us on that one." To the extent that there are reasonable explanations for apparent circular cash flows, rapid. Thursday, July 30, 2009 clear Shuts Down, but the Future of Frequent Flier Data is Still Cloudy. Washington law professor Anita Ramasastry discusses a recent decision by the.S.
Epic argued in Hiibel that "A name is now no longer a simple identifier: it is the key to a vast, cross-referenced system of public and private databases, which lay bare the most intimate features of an individual's life.". Privacy law and policy for the 65th meeting of the International Working Group on Data Protection, held this year in Bled, Slovenia. Summary We have demonstrated that Credit Acceptance is unusually strapped for cash; that its litigationa slow, costly way to scrounge up cash from delinquent borrowersis through the roof; that its baseline loan failure rate is 35, but probably higher (since. And in 2010 epic wrote to the House Commerce Committee that "Locational privacy concerns are substantial and growing more severe." epic also filed a friend of the court brief in 2017 in the landmark location privacy case, Carpenter. Washington law professor Anita Ramasastry considers whether the virtual reality site Second Life might be violating the Unlawful Internet Gambling Enforcement Act (uigea) - which forbids banks and other entities from processing payments for Internet gambling transactions.
She also discusses UK privacy law, and suggests that, in the UK, Google Street View may be able to quiet the controversy it has faced by complying with rules similar to those that govern closed-circuit television there, and by taking care. Epic also explained that the company's efforts to sidestep agency rules will benefit those "who have resources to attack FCC rules." epic contributed to the development of the robocall and junk fax laws. Ramasastry argues that the legislation - the Delete Online Predators Act (dopa) - not only won't do much to combat online predators, but may create a false sense of security. The Credit Acceptance program is poorly understood according to one dealer we spoke with. Epic told the Committee that the Census Bureau failed to complete privacy impact assessments required by law. The risks of that model have yet to be reckoned with. The ABS Treadmill: Signs of Extremely forex class action lawsuit robocall Poor Loan Quality In 2013, Credit Acceptance suddenly brought in a third ratings agency, Kroll, to rate caalt 2013-1, a potential sign of underlying conflict. She also attempted to bring her vehicle to certified mechanics, who also would not honor the VSC. The Bureau concedes that it must complete the impact assessments but has so far failed to. Furthermore, the company appears to involve recycling dealers who at some point previously abandoned the program. Ramasastry assesses not only the legal merits of the suits, but also their First Amendment implications - and argues that they should be dismissed, but that the publisher should offer a refund to readers who seek one. (As Ramasastry explains, spyware is "software that tracks a consumer's online activities, and uses the data it collects to choose targeted pop-up advertisements and other promotional messages, which are then displayed to the user. 11, 2019) European Court Adviser Says Right to be Forgotten Need Not Be Applied Worldwide The opinion of a key adviser to the Europe's top court finds that that the "right to be forgotten" need not be applied worldwide.
This wording was standard on Credit Acceptance RICs as early as 2012. The company abandoned McCluskey's more qualitative strategy in favor of "just looking to expand the number" of dealers. The complex corporate structure of the Helios/Southwest Re family of companies, along with numerous associated brands, make it far too difficult to ascertain basic facts about a large proportion of the VSC products sold with Credit Acceptance car loans. Circuit that the Census Bureau failed to complete privacy impact assessments required by law. (The court's server appeared to automatically reboot late on Sunday nights, rendering case files we attempted to obtain during those time periods temporarily unavailable.) With all of the available text files available on our local area network, we then. Law360 September 06, 2018, this article mentions Complex Commercial Disputes partners Chris Mason, Sarah Andr?, Dan Deane and Seth Horvath as counsel for The New York Bar Foundation and The New York State Bar Association in an amicus brieffiled with. Collection shortages are borne by the company. She also notes how the "digital divide" could intersect with the regulations to force those who cannot afford home computers to use the Internet only under surveillance. Under a written agreement disclosed to epic, the DHS transfers the "Legal Permanent Resident File" to the Bureau each year, which includes citizenship, immigration status, marital status, and other sensitive personal information. The senators wrote, "remote identification will enhance safety, security, and privacy." epic has long called for remote identification requirement for drones, stating "Because drones present substantial privacy and safety risks, epic recommends that the FAA require any drone operating. This steady increase in demand amounts has coincided with a massive increase in the number of lawsuits filed in the District since 2008. Washington law professor Anita Ramasastry argues that the answer should be yes - and explains how a California lawsuit and several proposals currently in Congress are trying to achieve this goal.
"I have a digital copy embedded into my system was the best clarification David could offer. Instead, like many companies, Credit Acceptance only provides investors with the positive outlook. In 2017, dbrs, which has rated nearly all of Credit Acceptance's securitizations since 2009, began publishing Performance Analytics Reports that contained sudden shifts. Boston Government Investigations and White Collar Defense associate Lauren Maynard and Manchester Complex Commercial Disputes associate Nate Warecki are mentioned as co-counsel for representing the children that have been separated from their parents at the border. Washington law professor Anita Ramasastry discusses the Ashcroft Justice Department's draft of its proposed follow-up to the USA Patriot Act. Nate, along with Manchester commercial litigation partner Dan Deane and Boston government investigations and white collar defense associate Ronaldo Rauseo-Ricupero teamed with the aclu to represent the immigrants, who fled religious persecution in their home country but were threatened with deportation. Washington law professor Anita Ramasastry discusses how a university course on computer hacking - a reality in Scotland - would be treated under the law of the United States. Commerce now before the.C. (The court-ordered sale proceeds will go toward satisfying the restitution order on behalf of Kaczynski's victims.) Monday, Aug. Forecasted Collections immediately began declining and Credit Acceptance blamed the decline on "a difficult collection system conversion" that "negatively impacted collection results." In 2002, company President McCluskey announced new imperatives: exclusive territory and guaranteed credit approval through the internet. So far, the company has emerged relatively unscathed, but only due to the narrow scope of investigations.
Epic's comments follow nomination hearings in the Senate for the Attorney General. 07, 2006 A Fourteen-Year-Old Girl's Suit Against MySpace: Should Networking Sites Be Legally Responsible for Protecting Teens from Harmful Real-World Conduct? New Hampshire Business Review August 31, 2018. Planet Fitness Member Contract Class Action Trimmed In NJ Law360 July 30, 2016 New York City partner Craig Tractenberg, Boston partner Arthur Pressman, Manchester partner Dan Deane and Boston associate Morgan Nighan are mentioned as representing Planet Fitness. The organizations wrote that any privacy legislation must be consistent with the Civil Rights Principles for the Era of Big Data, which include: stop high-tech profiling, ensure fairness in automated decisions, preserve constitutional principles, enhance individual control of personal information. Walker referred us to Credit Acceptance, having denied that. Credit Acceptance's 2014 complaint against Williams knowingly asserted that Williams continued to owe interest on the full amount of her balance starting from January 1, 2012, even though she had made payments as recently as 2013. Under the proposal, those whom the government decides are.S. We believe Credit Acceptance is deeply unhealthy. Ramasastry notes that there are serious potential downsides to lawyers' researching jurors on the Internet: For instance, any lawyer/juror online contact (including a Facebook "friend" request) is unethical, and if jurors have common names, lawyers should beware of assuming. For "Deceptive Financing and Illegal Sales Practices." The New York City Department of Consumer Affairs recently filed a Petition before the Office of Administrative Trials and Hearings alleging serious wrongdoing by Credit Acceptance Corporation and other used car dealers and lenders. Some of the Monthly Servicer's Certificate figures can be found on monthly, publicly-available Performance Analytics Reports issued by dbrs. 8, 2019) epic to Make Final Arguments for Release of Mueller Report epic has filed a reply brief in its case for the the Mueller Report.
6, 2019) epic Urges Congress to Examine Surveillance at the Border In advance of a hearing on border security, epic sent a statement to the House Committee on Homeland Security urging an examination of surveillance programs in use at the border. FBI, concerning a court order that would have required Apple to assist the FBI hack a seized iPhone. The same is true for Credit Acceptance's warehouse lenders. When is Final, Final? 29, 2019) EU Receives 95,000 Privacy Complaints, Still No News from US FTC on Facebook Case According to the European Commission, recent figures from the European Data Protection Board reveal that EU Data Protection Authorities have received more than 95,000 complaints. The company claims, "We have developed a much more complete program for helping dealers serve this segment of the market. Caalt 2016-1 3/3/2016 During its ordinary course of business in managing its serviced portfolio of dealer loans (and not based on the poor credit quality of particular dealer loan contracts), CAC may from time to time agree to enter into agreements. That's because vehicles often sell at auction for amounts far below the elevated prices that borrowers have paid. As Ramasastry explains, photos taken from the street outside a home are typically legal (with exceptions involving, for example, peeping toms and telephoto lenses). Washington law professor Anita Ramasastry evaluates the demands by a group of thirty-three State Attorneys General that the social networking website MySpace must change its access rules. With the one-year deadline of the reopening of the Facebook investigation approaching, epic has launched the campaign #EnforceTheOrder. Next week, the House Commerce Committee will hold a hearing on the government shutdown's impact on the FTC's Facebook investigation. The USA Freedom Act limited the NSA's collection program, but the NSA has acknowledged compliance problems.