Michael Fuller503-222-2000
  • Underdog Law Office
  • Pro Bono
  • My Passion
  • My Career

Consumer Protection 326

Consumer Law Michael Fuller Lewis Clark Law School

CLASS SYLLABUS

Consumer Protection 326
Spring Semester 2018
Thursdays 5:30pm to 7:25pm, room 3

Learning Objectives 

Students will learn practical litigation skills to handle the most common types of consumer protection lawsuits in Oregon:

  • Unlawful Trade Practices
    (corporate fraud, overcharges, false advertising)
  • False Credit Reporting
    (identify theft, credit reports, data breaches)
  • Unfair Debt Collection
    (student loans, home mortgages, medical bills)
  • Unwanted Calls
    (spam texts, robo-calls)
  • Tenant Rights
    (housing discrimination, retaliation, eviction defense)

Course Subject Matter

The class will focus on five consumer protection laws:

  1. Unlawful Trade Practices Act
    (ORS 646.638)
  2. Fair Credit Reporting Act
    (15 U.S.C. § 1681)
  3. Fair Debt Collection Practices Act
    (15 U.S.C. § 1692)
  4. Telephone Consumer Protection Act
    (47 U.S.C. § 227)
  5. Oregon Residential Landlord Tenant Act
    (ORS 90)

Course themes include class actions, attorney fee recovery, settlement negotiations, and litigation tactics. Guest speakers include Oregon Attorney General Ellen Rosenblum, Oregon District Court Judge Michael Simon, and prominent consumer law attorneys including David Sugerman, Pilar French, and Justin Baxter.

Location and Office Hours

Consumer protection is a 13-week, 2-credit course held at Lewis & Clark Law School, room 3, January 11 to April 12, 2018. Students are encouraged to contact the professor at fuller@lclark.edu or 503-743-7000 with any questions, or to schedule an office appointment.  Announcements are made through the class listserv, which uses students’ @lclark.edu email addresses. Announcements are also posted at underdoglawyer.com/consumer.

Required Readings

Links to all required reading materials are found at underdoglawyer.com/consumer.

Optional Readings

Damages 3 by David Ball
Case Framing by Mark Mandell
Rules of the Road by Rick Friedman

Consumer Law Grading

Grades are based on a maximum of 100 points possible. Make-up points are available for missed attendance, participation, or assignments. Make-up points will not impact a student’s final exam score. Failure to demonstrate academic honesty may result in a failing grade. All reasonable requests for accessibility accommodations will be honored. Students seeking information about disability accommodations can speak to Libby Davis, the Associate Dean for Student Affairs, with any questions. Grades are assigned as follows:

Criteria / Max. Points

Attendance / 20 points
Participation / 20 points
Assignments / 20 points
Final Exam / 40 points

Total Possible / 100 points

Attendance

To earn attendance points, students should personally attend class having prepared at least one question for the guest speaker. Students can miss two classes without penalty. More than two unexcused absences will negatively impact a student’s attendance score. Students should let the professor know prior to class if they are unable to attend. Students must maintain the law school’s general attendance policies in addition to the criteria below.

Attendance Criteria / Max. Points

Attend all classes / 20 points
Miss one class / 20 points
Miss two classes / 20 points
Miss three classes / 15 points
Miss four classes / 10 points
Miss five classes / 5 points
Miss six classes / 0 points

Participation

To earn participation points, students must attend class having read the weekly materials, ready to engage in class polling, case reviews, oral arguments, and group discussions. Students may always “pass” if called on. However, more than two “passes” will negatively impact a student’s participation score.

Participation Criteria / Max. Points

Attend all classes, no passes / 20 points
One pass or absence / 20 points
Two passes or absences / 20 points
Three passes or absences / 15 points
Four passes or absences / 10 points
Five passes or absences / 5 points
Six passes or absences/ 0 points

Assignments

To earn assignment points, students must participate in class pop quizzes and be prepared to share their answers. Students may always “pass” if called on. However, more than two “passes” will negatively impact a student’s assignment score.

Assignment Criteria / Max. Points

Attend all classes, no passes / 20 points
One pass or absence / 20 points
Two passes or absences / 20 points
Three passes or absences / 15 points
Four passes or absences / 10 points
Five passes or absences / 5 points
Six passes or absences / 0 points

Make-up Points

Students can make up one missed attendance, participation, or assignment point by doing any of the following: (1) Sit in on an Oregon State Bar Consumer Law Section meeting, (2) Sit in on an Oregon Trial Lawyers Association Consumer Protection Section meeting, (3) Have coffee or lunch with an Oregon consumer law attorney, (4) Attend a meeting about consumer law legislation, (5) Write a short (no more than 1,000 word) blog post about a consumer law case, issue, or podcast, or (6) write a short (no more than 1,000 word) summary of a chapter of one of the books on the optional readings list.

Make-up points will not impact a student’s final exam score. However, in the event more than one student earns the maximum 100 points possible for the class, the student with the most make-up points will break the tie for the highest grade.

Consumer Law Final Exam

To earn maximum final exam points, students must answer all 40 multiple choice questions correctly. Each question is worth one point, for a maximum 40 points total. Final exam scores may be curved to ensure final grades comply with Lewis & Clark Law School’s GPA policies.

The final exam has eight questions on each of the following statutes: (1) the Unlawful Trade Practices Act, (2) the Fair Credit Reporting Act, (3) the Fair Debt Collection Practices Act, (4) the Telephone Consumer Protection Act, and (5) the Oregon Residential Landlord Tenant Act.

For each statute above, students should be prepared to answer questions about (1) the statutory private right of action for damages, (2) the claim elements, (3) the attorney fee shifting scheme, and (4) the statute of limitations.

The final exam will be open-book and unscheduled. Sample final exams are found at underdoglawyer.com/exam

 

Consumer Law Michael Fuller Lewis Clark Law School

READING MATERIALS

Consumer Protection 326
Spring Semester 2018
Thursdays 5:30pm to 7:25pm, room 3

 

Week 1 - Introduction

January 11, 2018

  • Reading materials
    • Class syllabus
    • OSB survey
    • PowerPoint – Week 1
  • Guest speaker
    • None

Week 2 - Attorney Fees

January 18, 2018

  • Reading materials
    • OSB survey
    • Goldsmith article
    • Camacho opinion
    • Campista opinion
    • BP Judgment
    • Campbell-Ewald opinion
    • PowerPoint – Week 2
  • Guest speaker
    • Judge Michael Simon

Week 3 - Class Actions

January 25, 2018

  • Reading materials
    • Concepcion opinion
    • FCRP 23
    • ORCP 32
    • BMS opinion
    • Pearson opinion
    • PowerPoint – Week 3
  • Guest speaker
    • Jennifer Wagner

Week 4 - UTPA

Feb. 1, 2018

  • Reading materials
    • Oregonian articles
    • Trial Lawyer article
    • Trial Lawyer article
    • Parrott opinion
    • ORS 646.638(1),(3),(6)
    • PowerPoint – Week 4
  • Guest speaker
    • Young Walgenkim
    • Young’s PowerPoint

Week 5 - UTPA (cont.)

Feb. 8, 2018

  • Reading materials
    • ORS 646.608(1)
    • Silva opinion
    • Simonsen opinion
    • PowerPoint – Week 5
  • Guest speaker
    • Pilar French

Week 6 - FCRA

Feb. 15, 2018

  • Reading materials
    • NY Times article
    • Credit report form
    • 15 U.S.C. § 1681n(a)
    • Equifax Dispute Letter
    • Spokeo opinion
    • PowerPoint
  • Guest speakers
    • Ellen Rosenblum
    • Justin Baxter

Week 7 - FDCPA

Feb. 22, 2018

  • Reading materials
    • 15 U.S.C. § 1692k(a),(c)
    • 15 U.S.C. § 1692f
    • Henson v. Santander opinion
    • John Oliver on Debt Buyers
    • PowerPoint
  • Guest speaker
    • None

Week 8 - TCPA

March 1, 2018

  • Reading materials
    • 47 U.S.C. § 227(b)(3)
    • FCC order
    • PowerPoint
  • Guest speaker
    • Kelly Jones
    • Kelly’s TCPA PowerPoint

Week 9 - Landlord Tenant

March 8, 2018

  • Reading materials
    • ORS 90
    • Naposki opinion
    • PowerPoint
  • Guest speaker
    • Marcel Gesmundo
    • Marcel’s PowerPoint

Week 10 - Emerging Issues

March 15, 2018

  • Reading materials
    • Paul v Providence opinion
    • PowerPoint
  • Guest speaker
    • Julie Engbloom

Week 11 - Negotiations

March 22, 2018

  • Reading materials
    • PowerPoint
  • Guest speaker
    • David Sugerman

Week 12 - Spring Break

March 29, 2018

  • Reading materials
  • Guest speaker

Week 13 - Final Exam Review

April 5, 2018

  • Reading materials
    • Sample exams
    • PowerPoint
  • Guest speaker
    • James Sinclair

Week 14 - Final Exam Review (cont.)

April 12, 2018

  • Reading materials
    • Sample exams
    • PowerPoint
  • Guest speaker
    • Bethany Coleman-Fire

Share this:

  • Click to share on Facebook (Opens in new window) Facebook
  • Click to share on X (Opens in new window) X
  • Click to share on LinkedIn (Opens in new window) LinkedIn
  • Click to share on Pinterest (Opens in new window) Pinterest
  • Click to share on Tumblr (Opens in new window) Tumblr
  • Click to share on Reddit (Opens in new window) Reddit
  • Click to email a link to a friend (Opens in new window) Email

Class Action Inquiry

My Practice Areas

Class actions
Debt collectors
Credit reports
Mortgages
Bankruptcy
Student loans
Corporate fraud
Landlord tenant

Underdog Law Office

US Bancorp Tower
111 SW 5th Ave., Suite 3150
Portland, Oregon 97204
503-222-2000

Sample Letters

Equifax dispute
Experian dispute
Trans union dispute
Mortgage dispute
Bankruptcy notice

Client Reviews*

Did you hear we won in court yesterday?! Mike Fuller was GREAT! I’m still in shock!
Laura from Portland
Just a further note to thank you for undertaking this matter, not just pro bono but on less than 24 hours’ notice. You did one incredible job. Whatever you did—I’m still not clear— Tremendous result.
Cary from New Jersey
We’re still in awe over winning in court. I’m not sure how to show our appreciation, but you were totally AWESOME!!
Jeremy from Damascus
This apology actually made me feel better than I thought it would!  I truly appreciated all you did on this endeavor. Thank you and more.
Christine from Portland
I heard that you are a man to be feared in a court of law, who is a genius at getting the truth out of someone. Sorry I was not there but you have my thanks.
Jill from Hillsboro
Michael became my ‘architect’, a skillful legal mind with a clear understanding of complex bankruptcy litigation, and I did not become a ‘victim’, WE WON! Thank you Michael!
Nachelle from Portland
I just received the refund check from Wells Fargo for my visa. Congrats sir, you forced them to bend to your will lol. Thank you SO much, this is a huge help.
Tony from Oregon
Thank you so much! We are literally blown away at the timely result of this case. You really do know your stuff! Great working with you!
Bill from West Salem
Your humanity has inspired me to continue paying forward and to assist others wherever I can when called upon. Warm regards,
Diane from Oregon
Success at last! That the last letter we sent to Equifax, TransUnion and Experian really made a difference. Thanks for seeing this through to a successful conclusion.
Kim from Oregon
Thank you, thank you, thank you! Thank you for providing the document and working so late in the night to get it to us.
Erik from Oregon
Thank you all for everything today. We like lawyers that are as tenacious and spunky as we are, and not afraid to fight when needed, good job today.
Diane from Roseburg
Michael will not back down even when dealing with huge corporate packs of attorneys. He is the guy you want in your corner.
Trish from Portland
Michael Fuller is the best. A true advocate for the little guy against corporate America! I can’t thank him enough.
Tim from Gresham
Michael gave us the courage to sue our mortgage company and secured a six figure settlement. Don’t be bullied — hire an attorney to stop illegal collections.
Sheri from Portland
It seems unheard of to have anyone be so generous without asking for compensation. I can’t say enough about the character you’ve shown. Blessings from all of us who believe in what is right.
Michael from Eugene
When [Mr. Fuller] is on the job, I’m not too concerned that [his] opponents are going to be able to get away with much.
Federal Judge
Mr. Fuller you are amazing. A super hero. I can not believe how fast you work. Thank you so much.
Matt from Portland

Lewis & Clark Law School Students

Course information
Sample exams

Sample Lawsuits

Wall Street
American Express
Bank of America
Chase Bank
CitiBank
Discover Bank
MetLife
OneMain Financial
US Bank
Wells Fargo
Web Bank

Corporate America
Comcast
Paypal
Starbucks
Tan Republic
Swisher Sweets
Sirius XM
Rodale Inc.
NW Natural
Mt Hood Meadows
Kroger
BMW
Austin's Auto
AT&T
GameStop
Fred Meyer
Target
Toyota
LA Fitness
Macys
Fingerhut
Aaron's Leasing
ADP

Student Loans
Sallie Mae
PSU
PHEAA
Navient
FedLoan Servicing
AES
Discover Loans
Dept. of Education
ECMC
NCT

Mortgage Companies
21st Mortgage
SLS
Ditech Mortgage
Nationstar Mortgage
Mr. Cooper Mortgage
Ocwen Mortgage
PennyMac Mortgage
Fannie Mae
Seterus Mortgage
Green Tree Mortgage

Credit Reports
Equifax
Experian
Trans Union

Debt Collectors
Northland Group
Columbia Collection
Metro Area Collection
Cach LLC
GS Services
Credit Associates
Western Mercantile
S. Oregon Credit
Ray Klein
Rapid Cash
Quick Collect
Portland Credit
PCS
General Credit
EOS CCA
EGP Investments
Credit International
Credit Bureau
Collecto
Carter Jones
Asset Systems
Ad Astra

© 2025 Michael Fuller