Check ’n Go


The San Francisco City Attorney's Office brought action against payday lender Check ’n Go. The 2007 civil action alleged that Check ’n Go engaged in an illegal "rent-a-bank" scheme designed to evade state regulatory laws. Check 'n Go provided online installment loans to California consumers with interest rates as high as 400 percent—far exceeding the state's maximum allowable interest rate of 36 percent for such loans. SFALP students worked alongside deputy city attorneys throughout the course of the litigation, which settled in 2012. As part of the settlement, Check 'n Go agreed to commit up to $4.3 million toward restitution for California consumers.

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Herrera kicks off $4.3 million refund drive for Check ’n Go borrowers over next three months

Herrera kicks off $4.3 million refund drive for Check ‘n Go borrowers over next three months

National Arbitration Foundation


SFALP students played a key role in a lawsuit the City Attorney filed on behalf of the People of the State of California against the National Arbitration Foundation (NAF), a company that resolves claims against consumers who are reportedly delinquent in payments to banks, credit card companies, and retailers. The lawsuit claimed that NAF arbitrators were unfairly biased against consumers, deciding in favor of creditors 99.8% of the time, often without sufficient justification. The City secured a major settlement with the company in 2011. Under the terms of the settlement, NAF agreed to pay San Francisco $1 million, to cease arbitrating debt collection cases in California forever, and to stop arbitrating employment disputes for three years.

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Students Work on California Lawsuit That Shows ‘The Dark Side of Arbitration’

Herrera Hails Pre-Trial Ruling in Consumer Protection Case Against Credit Card Arbitrator 

Herrera secures two major settlements, rebates of loan fees for consumers