Legislative Activities Archive


Consumer Financial Protection Bureau

S. 3468 (Portman), Independent Agency Regulatory Analysis Act – oppose, Sept. 7, 2012

Letter opposing H.R. 1121 (Bachus) and H.R. 1315 (Duffy), which weakens CFPB, May 3, 2011

Credit Reporting 

Letters expressing concern about the harm to consumers and the preemptive effects of HR 6363 (Renacci),  The Credit Access and Inclusion Act, which promotes full file utility credit reporting. NCLC Testimony, Sept. 13, 2012

Letter supporting H.R. 321 (Cohen), Equal Employment for All Act (2009) and Letter to cosponsor H.R. 321 (2012)

Letter supporting H.R. 2086 (Shuler) and S.2149 (Merkley), Medical Debt Responsibility Act - support (2012) NCLC Testimony

Debt Collection/Cell Phone Privacy

Letter opposing H.R. 3035 (Terry), Mobile Informational Call Act of 2011, which permits businesses to make informational and debt collection calls to cell phones without consent, Oct. 27, 2011

Model State Law on Mortgage Servicing: An Outline, Jan. 2011

S. 489 (Reed), Preserving Homes and Communities Act of 2011

S. 824 (Sherrod Brown), Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011

Federal Charter for Payday Lenders

Letter opposing H.R. 6139 (Luetkemeyer), which gives payday lenders a federal charter regulated by the OCC, July 2012

Mortgage Lending/Foreclosures

S. 3085 (Boxer/Menendez), The Responsible Homeowner Refinancing Act of 2012. Opposition Corker Safe Harbor Amendment, Civil Rights letter Nov. 13, 2012 and Americans for Financial Reform letter Nov. 19, 2012H.R. 3619 (Ellison/ Stark) Permanently Protecting Tenants at Foreclosure Act of 2011
S. 2909 (Merkley), Rebuilding Equity Act of 2012
S. 2072 (Franken), Helping Homeowners Refinance Act of 2012Bills extending exclusion of mortgage principal reduction from taxable income:HR 4202 (Rangel)

HR 4250 (Lungren)
HR 4290 (McDermott)
HR 4336 (Reed, NY)

SB 2250 (Stabenow)

Letter opposing HR 2446, RESPA Home Warranty Clarification Act of 2011, exempt payments on home service contracts from the ban on kickbacks and referral fees.


Letter opposing H.R. 1588 (Canseco), which preempts state rent-to-own laws.



Letter supporting H.R. 1020, Arbitration Fairness Act, July 26, 2010

Bank Accounts

Comments on the Treasury Department’s proposal to mandate all electronic deposits by 2013, August 16, 2010

Letter in Support of Freedom and Mobility in Consumer Banking Act (Miller), July 27, 2010


Letter supporting Helping Families Save Their Homes in Bankruptcy Act, H.R. 200/H.R. 1106 (Conyers), March 4, 2009

Credit Cards

Credit CARD Act, S. 414 (Dodd): NCLC Letter, Consumer Groups Letter, Feb. 12, 2009

Letter in Support of Maloney Credit Cardholders Bill of Rights, Jan. 12, 2009


Foreclosure Rescue Fraud Act, S. 116/H.R. 1213: Testimony: Legislative Solutions for Preventing Loan Modification and Foreclosure Rescue Fraud, May 6, 2009

Medical Debt

Letter supporting the Medical Debt Relief Act of 2009, H.R. 3421 (Kilroy), July 26, 2010

Overdraft Loans

Letters in support of H.R. 3904, the Overdraft Protection Act of 2009 and S. 1799, the Fairness and Accountability in Receiving (FAIR) Overdraft Coverage Act of 2009

NCLC Comments to the Federal Reserve Re: Regulation Overdraft Loans under Regulation E, Mar. 30, 2009

Payday Lending

Support letter for S. 582, Interest Rate Reduction Act, Mar. 27, 2009

Letter opposing payday loan bill, H.R. 1214 (Gutierrez), Mar. 23, 2009

Prepaid Cards

Letter Supporting Benefit Card Fairness Act, H.R. 4552, May 2, 2010

Regulatory Reform and Preemption

Wall Street Reform and Consumer Protection Act of 2009 (H.R. 4173)

Coalition Letter Supporting Independent CFPA, Feb. 19, 2010

Consumer Statement in Support of President's Proposed Consumer Financial Protection Agency, June 17, 2009


Letter opposing preemption of Arkansas usury rate, May 18, 2009

Consumer groups' Letter in support of S. 500 (Durbin) and H.R. 1608 (Speier) establishing 36% national usury cap for all credit, March 2, 2009

Sample Letter for state groups to support S. 500