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This is a petition urging the CFPB to open a rulemaking under the Equal Credit Opportunity Act (ECOA) to define residential real estate leases as “credit” and landlords as “creditors” under the ECOA for two limited purposes:
To help ensure that renters can find safe, decent, and affordable housing, we urge the FTC to adopt a final rule that applies to rental housing and protects renters and rental housing applicants from hidden, misleading, and excessive fees.
The comment discusses consumer issues facing low-income multifamily tenants and proposes steps FHFA can take to address these issues.
Landlords in the United States almost always engage in some form of screening for rental applicants. Each of the components of tenant screening reports is highly problematic and also creates a disparate impact on Black and Latino renters. The manner in which the components are combined to generate scores or recommendations, and then used by landlords, is also harmful to renters.
Read More about Comments on Tenant Screening Request for Information by FTC and CFPB
The 39 organizations listed below are pleased to submit these comments in response to the Federal Trade Commission’s (FTC) Advance Notice of Proposed Rulemaking regarding unfair or deceptive fees, R207011. These comments discuss the many fees, which we refer to as “junk fees,” charged to renters and rental housing applicants. The organizations urge the FTC…
Read More about Group Comments to the FTC Regarding Rental Housing Junk Fees
These comments discuss the many junk fees charged to tenants and rental housing applicants. We urge the CFPB to work with the Federal Trade Commission (FTC) to investigate and prevent the imposition of these junk fees so that they do not end up in the hands of debt collectors, impair renters’ credit reports, and jeopardize…