Insights
Insights
Plain-language guides to the laws that protect you — from robocalls and debt collectors to credit report errors, data breaches, and workplace rights.
The Telephone Consumer Protection Act restricts robocalls, spam texts, and telemarketing, and lets consumers sue for violations.
How the Telephone Consumer Protection Act treats prerecorded calls, autodialers, and telemarketing, what consumers can recover per call, and how long you have to act.
Robocalls & Spam TextsMarketing texts are governed by the same federal law as robocalls. Common questions about consent, opting out, the do-not-call rules, and the screenshots that matter.
Robocalls & Spam TextsThe National Do Not Call Registry is enforceable, and consumers can sue when telemarketers ignore it. The rule, its exceptions, and the two-call threshold for a claim.
Federal and California law limit what debt collectors can say and do, whether or not you owe the debt.
The Fair Debt Collection Practices Act and California's Rosenthal Act limit how collectors contact you and what they can say. Who the laws cover, what they prohibit, and the remedies.
Debt CollectionA written dispute sent within 30 days of the validation notice requires a debt collector to stop collecting until it verifies the debt. How the process works under the FDCPA and Regulation F.
Debt CollectionThe FDCPA and Regulation F limit how often collectors can call, what they can threaten, and who they can talk to about your debt. The specific rules, and how to document violations.
The Fair Credit Reporting Act requires credit bureaus and the companies that report to them to get your information right.
Credit bureaus must reinvestigate disputed information within 30 days and delete what can't be verified. How the dispute process works, and when you can sue if it fails.
Credit Reports & Identity TheftIdentity theft victims have specific FCRA rights, including free credit freezes and the right to have fraudulent accounts blocked within four business days. A step-by-step sequence.
Credit Reports & Identity TheftAnyone who obtains your credit report needs a permissible purpose under the FCRA. The recognized purposes, the special rules for employers and landlords, and California's limits on credit checks for jobs.
What California law requires after a breach, and what you can do when a company fails to protect your information.
California requires breached companies to notify you within 30 days and, in some cases, offer free identity protection. The first steps to take, and the records to keep.
Data BreachesCalifornia's Consumer Privacy Act lets breach victims recover statutory damages of $100 to $750 per incident when a company's failure to maintain reasonable security exposes certain personal information.
Data BreachesHow breach class actions move from filing to settlement, what settlements usually include, and the four options you have when a class notice arrives.
California's privacy statutes, and the federal ones that reach online tracking.
The California Consumer Privacy Act lets you find out what a business collects about you, delete or correct it, and stop its sale. How each right works and who enforces it.
Data PrivacyThe California Invasion of Privacy Act carries $5,000 per violation and has been used to challenge website chat tools, session replay software, and tracking pixels. What the law says and where courts disagree.
Data PrivacyA 1988 federal law bars video providers from disclosing what you watched without proper consent, with $2,500 in liquidated damages. How it applies to streaming sites and tracking pixels.
California now regulates how AI chatbots and social platforms are designed for children, and gives families ways to hold companies accountable.
Signed September 10, 2026, SB 1119 sets rules for AI companion chatbots used by children, including default time limits, crisis referrals, parental notice, and a private right of redress for families.
AI & Social Media HarmAB 1709 bars autoplay and personalized feeds for users under 16. AB 2 creates statutory damages of up to $1 million per child when a large social media platform negligently injures a minor.
AI & Social Media HarmFamilies are bringing wrongful death and injury claims against AI and social media companies. The key cases, the legal theories and defenses, and the evidence these lawsuits depend on.
California wage and hour law and the Fair Employment and Housing Act.
California requires overtime after eight hours in a day, not just forty in a week, and its exemption tests are demanding. What the Labor Code requires, and signs you may be misclassified.
Workplace RightsCalifornia employers must provide meal and rest breaks and pay an extra hour of wages when they don't. The timing rules, what 'provide' means, and why premiums count as wages.
Workplace RightsCalifornia's Fair Employment and Housing Act covers more employers and more characteristics than federal law, allows three years to file, and has no damages caps. What it prohibits and how claims work.