Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance
This report covers the ways that financial institutions across the financial services industry serve, or fail to serve, people with limited English proficiency.
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"What the Heck, Dude!": How States Can Fight Rental Housing Junk Fees
This companion report to Too Damn High focuses on steps that state and local governments and advocates can take to address junk fees.
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Digital Denials: How Abuse, Bias, and Lack of Transparency in Tenant Screening Harm Renters
Landlords in the United States almost always engage in some form of screening of rental applicants. This screening often involves reports or scores purchased from specialized tenant screening consumer reporting agencies (CRAs). The reports typically combine information about eviction filings, criminal records, and credit history. Often the reports include a score or recommendation based on these records, and in some cases, this score or recommendation is the only information conveyed to the landlord.
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Too Damn High: How Junk Fees Add to Skyrocketing Rents
Junk fees jeopardize access to future housing and financial stability by contributing to rental debt that leads to negative marks on credit reports.
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Unfair Debts With No Way Out: Consumers Share Their Experiences With Rental Debt Collectors
This report discusses common problems faced by consumers experiencing debt collection for alleged rental debts as reported to the CFPB. It concludes with suggested actions to assist consumers with alleged rental debts.
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Mission Creep: a Primer on Use of Credit Reports & Scores for Non-Credit Purposes
This white paper provides an overview of the most significant uses of credit reports and credit scores for purposes other than credit underwriting. These non-credit uses include: Employment, Rental housing, Insurance, and others.
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