New Consumer Law Rights Taking Effect in 2023
National Consumer Law Center “NCLC”, summarizes significant changes in the consumer rights laws.
This NCLC article lists federal and state consumer law rights scheduled to go into effect or expire, during the period from November 17, 2022, through December 31, 2023. Other consumer law changes will be enacted later in 2023 and will go into effect in 2023; this article lists changes whose effective dates have already been scheduled.
CONTENTS:
- November 17, 2022: Student Loans; Bankruptcy
- December 1, 2022: Bankruptcy
- December 5, 2022: Arizona Exemptions, Medical Debt
- December 15, 2022: HECM Reverse Mortgages
- December 27, 2022: Bankruptcy
- December 31, 2022: Student Loans; USDA Loan Modifications
- January 1, 2023: TILA; FCRA; CLA; HMDA; FHA Loans; Minimum Wage and Wage Garnishment in 27 States; California Various Provisions; District of Columbia Debt Collection; Georgia Retail Crime; Michigan Loans; Nebraska Exemptions; New Mexico Loans; South Dakota Annuities; Virginia Data Privacy
- February 15, 2023: Colorado Hospital Collections
- March 1, 2023: VA Mortgages
- March 10, 2023: Federal Credit Union Interest Rates
- March 30, 2023: Reporting of Medical Debt
CONTENTS (con’t)
- April 21, 2023: Colorado School Transcripts
- June 9, 2023: FTC Safeguards Rule
- June 30, 2023: LIBOR
- July 1, 2023: Federal Student Loans; VA Mortgages; California Coerced Debt; Colorado Data Privacy; Connecticut Data Privacy; Michigan Property Taxes
- July 3, 2023: Alternative Indices for Adjustable-Rate Loans
- July 2023: FCC Limits on Robocalls
- August 9, 2023: Colorado Homeowner Association Collections
- August 29, 2023: Federal Student Loan Payment Pause??
- September 1, 2023: TILA Disclosures re Index Rates; California Garnishment; Minnesota Debt Collection
- December 1, 2023: Bankruptcy
- December 31, 2023: Utah Data Privacy
Consumer legal protections are rare. Unfortunately, any changes or additions to the law are greatly influenced by the latest political attitude, rather than ‘what is right and fair to the general public’. Our Constitution was established to give people equal protections, establish justice, insure domestic tranquility, provide for common defense and general welfare. The Constitution establishes these principals for people, not businesses.
The Preamble
We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.
Diane is a well respected Arizona bankruptcy and foreclosure attorney. As a retired law professor, she believes in offering everyone, not just her clients, advice about bankruptcy and Arizona foreclosure laws. Diane is also a mentor to hundreds of Arizona attorneys.
*Important Note from Diane: Everything on this web site is offered for educational purposes only and not intended to provide legal advice, nor create an attorney client relationship between you, me, or the author of any article. Information in this web site should not be used as a substitute for competent legal advice from an attorney familiar with your personal circumstances and licensed to practice law in your state. Make sure to check out their reviews.*
In Case You Missed It
Published On: June 27, 2026
Merchant cash advances can provide fast cash, but daily withdrawals, stacked MCA loans, SBA loan conflicts, personal guarantees, and bankruptcy risks can quickly put a business and its owner in danger.
Published On: June 26, 2026
Bankruptcy Is Not Just Paperwork: Some Simple Mistakes That Can Cost You For many people, bankruptcy is not the first choice. It is usually something they consider only after they have done everything they know [...]
Published On: June 24, 2026
Build Financial Stability, Not Just a Better Credit Score A good credit score can be helpful. It may make it easier to rent an apartment, obtain a mortgage, finance a vehicle, or qualify for lower [...]
Published On: May 2, 2026
Perils of Filing Bankruptcy by an Undocumented Person or Non-Citizen This post is based on an earlier post on by Richard J. Parker, (reprinted with permission - December 2017). Updated by Diane Drain: May 2026 [...]
