Baltimore Consumer Protection Law Blog | The Law Offices of E. David Hoskins, LLC

Fighting for Consumers

In Maryland, New York & The District of Columbia

Prepaid Debit Card Scams

Scams, ranging from different industries such as healthcare, tax and credit card, have been on the rise this decade, each year hitting a new high. Whether it is for giving a gift, a predetermined amount of money, or due to ease or a lack of access to a legitimate debit card service/account, prepaid debit cards…
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Rental Car Scams: What To Look Out For

With gas prices continuing to remain at an all time low, renting cars has become an affordable and convenient option for many drivers looking to take that summer road trip or spend the weekend with family or friends at the lake. While rates for rental cars on their face seem quite low and companies are…
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Looking Out for ATM Skimmers

When withdrawing funds from an ATM, consumers are told to check their surroundings, as well as to make sure they are closing out their account at the end of the transaction. However, the real predator now sits on the scanning device of the ATM itself. FICO Card Alert Service, the service used to regulate ATM…
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Financial Lending in Automobile Sales and the Role of Bias

Since 2013, the Consumer Financial Protection Bureau, the federal watchdog agency created after the financial crisis in 2010, has reached antidiscrimination agreements estimated to be over $200 million with companies such as Ally Financial (formerly GMAC), America Honda Finance Corporation and Toyota Motor Credit. These settlements were made over allegations that these companies discriminated against…
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Proposed Rules for Predatory Lenders May Negatively Impact New York’s Already Strict Lending Laws

Recently, a draft of proposed national rules to regulate payday lenders was released by the Consumer Protection Financial Bureau, in an effort to curb the impact of this industry that preys on the consumer needing funds immediately. Interest rates for these ‘short-term’ or ‘no obligation’ loans can range from 300% to over 1,000% in some…
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Watch Out for the Phone Tax Scam

  Over the past few years scammers have gone to new heights to con taxpayers into paying them money or gaining access to their accounts during the tax season. Since 2013, the Treasury Inspector General for Tax Administration estimates the IRS has received reports of nearly 896,000 phone scam contacts. The problem has become so…
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Vacation Home Rental Scams on the Rise: How to Avoid Being a Victim

You have been planning the perfect summer vacation for you and your family. You do your due diligence in researching homes through reputable vacation websites and find a rental that suits your needs, only to show up to a property that does not exist. These situations have happened to numerous people throughout the country and…
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The Credit Card Chip & What to Expect

In 2014, almost 32 million Americans were found to have their credit cards breached. This problem became widely publicized after millions of consumers either received notice or were required to get new bank cards when corporations such as Ebay, Home Depot, JP Morgan Chase, Staples, Target and Neiman Marcus all had their records breached in…
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Why You Should Stay Away from Advance Fee Loans

Many consumers have been in the position where they need money but do not get paid for another few days. There are commercials and advertisements promising they will give you credit, no strings attached. Fraudulent lenders prey on the consumer who needs a short term loan by offering what is called an ‘advance fee’ loan….
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Identity Theft in Healthcare: How to Avoid It

Breach of healthcare data has been an overwhelming problem that has plagued the American healthcare system today. Without a solution as to how to secure these systems, over 92 million records were breached in the start of 2015. While historically the top reason for the breach of patient data had been employee negligence, i.e. losing…
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