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The contributors to the Consumer Law & Policy blog are lawyers and law professors who practice, teach, or write about consumer law and policy. The blog is hosted by Public Citizen Litigation Group, but the views expressed here are solely those of the individual contributors (and don't necessarily reflect the views of institutions with which they are affiliated). To view the blog's policies, please click here.

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Sunday, April 03, 2022


John Winnett

Late fees are a matter of contract between the debtor and the creditor. If a debtor doesn't like a particular level of late fee, then MAYBE HE SHOULDN'T PAY LATE. DUH. Or, he could decline to sign up for the card in the first place. The proposal that the CFPB should get involved in dictating terms and conditions between contracting parties is repugnant in principle "I'm from the government, and I'm here to help you! HORSEHOCKEY. You wanna help? Get OUT of the way and let stupid people make stupid decisions. They will learn quickly. The body politic needs the CFPB like it needs a pimple on its butt.

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