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Bloomberg Law: US Law Overrides State Bans on Medical Debt Reporting, CFPB Says

November 7, 2025

Appearing in Bloomberg Law on Oct. 27, 2025, Evan Weinberger talks to Chi Chi Wu, director of consumer reporting and data advocacy at NCLC, about the Trump administrations claims that the Federal Credit Reporting Act (FCRA) takes precedence over state measures barring medical debt and other items on consumer credit reports. Premium increases could leave…

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Digital Library: What the CFPB’s Recent FCRA Preemption Guidance Gets Wrong

November 7, 2025

This article provides an overview of FCRA preemption, discusses why the new 2025 interpretive rule is wrong, and provides suggestions for state policy advocates on how to “preemption proof” their state laws.

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Trump Administration Tries to Block State Safeguards from Damaging Medical Debt on Credit Reports

October 30, 2025

The guidance comes as millions face 100 to 300 percent increases in medical insurance premiums due to the expiration of Affordable Care Act tax credits.

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CFPB Must Supervise Auto Finance, Debt Collection, Credit Reporting, and International Remittance Industries

September 24, 2025

Rigorous Supervision Is Needed to Protect People from Financial Abuse

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Congress Cracks Down on Spam Offers Targeting Homebuyers

August 5, 2025

Consumer Advocates Celebrate Sen. Reed’s Homebuyers Privacy Protection Act, Ending the Sale of Prospective Homebuyers’ Contact Information.

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Boston City Council Supports End to Debt-Based Driving Restrictions

July 9, 2025

BOSTON — Today, the Boston City Council adopted a resolution in support of legislation to end debt-based driving restrictions. The resolution, filed by Councilors Liz Breadon (District 9), Henry Santana (At-Large), and Benjamin Weber (District 6), supports the Road to Opportunity Act (S.2368/H.3662), introduced by Representative Brandy Fluker-Reid (D-12th Suffolk) and Senator Julian Cyr (D-Cape…

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NBC News: Consumers brace for steeper bills and lower credit scores from Trump's financial deregulation

June 11, 2025

Appearing in NBC News on June 11, 2025, J.J. McCorvey interviewed NCLC Senior Attorney Chi Chi Wu for coverage of how consumers, once expecting relief from the impacts of medical debt on their credit reports, are now bracing for impact from President Donald Trump’s push to slash financial regulations. “These rules generally are very politically…

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CFPB Dismisses Case Brought Against Transunion Over Allegations It Tricked Customers into Overpaying

February 28, 2025

Enforcement action accuses Transunion of using ‘dark patterns’ to mislead consumers into purchasing monthly subscriptions they don’t need.

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Consumers and Groups File for Right to Defend Rule Removing Medical Debt from the Credit Reports of 15M People

February 13, 2025

With CFPB Under Shut-Down Order, Consumers and Groups Seek to Intervene to Defend Lifeline for People Harmed by Medical Debt

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CFPB Orders Equifax to Pay $15 Million Over Failure to Remove Errors on Credit Reports

January 17, 2025

Today, the Consumer Financial Protection Bureau (CFPB) ordered Equifax, one of the “Big Three ” nationwide consumer credit reporting agencies, to pay a $15 million penalty for conducting faulty and inadequate investigations when consumers disputed errors on their credit reports, in violation of the Fair Credit Reporting Act.

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CFPB Sues Experian Over Failure to Remove Errors on Credit Reports

January 7, 2025

Experian Accused of Improperly Investigating Disputes, Threatening Consumers’ Access to Credit

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The Hill: ‘Positive’ medical debt credit reporting is a Trojan horse

November 8, 2024

In an op-ed appearing in The Hill on November 6, 2024, NCLC senior attorney Chi Chi Wu calls the Reporting Medical Debt Payments as Positive Consumer Credit Information Act of 2024 a “Trojan horse”, with hidden traps and backward steps for consumers. One of the biggest problems with the bill is that it simply doesn’t…

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