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The undersigned 38 consumer and advocacy groups expressed opposition to H.R. 5775, the FCRA Liability Harmonization Act (Loudermilk) and H.R. 8141, the Fair Credit Reporting Reseller Accuracy Act (Lawler). In short: H.R. 5775, the FCRA Liability Harmonization Act, would dramatically reduce accountabilityfor credit bureaus and other companies, including when they wrongfully label innocentconsumers as bad…
H.R. 5402, the Credit Access and Inclusion Act, is touted as helping consumers build credit by including rent and utility payment history, but in reality it preempts state and other federal laws that give consumers control over their personal information and harms consumers struggling to afford high utility bills or obtain affordable rental housing. The undersigned…
Read More about Letter to the House in Opposition to the Credit Access and Inclusion Act
Letter from 45 organizations opposing a discussion draft that would amend the Gramm-Leach-Bliley Act(GLBA), because the draft bill is both inadequate and harmful to consumer protection:
Read More about Coalition Letter Opposing Gramm-Leach-Bliley-Act Amendments
On behalf of the clients and communities we represent, wrote to strongly oppose theDepartment of Treasury system of records notice (“SORN”) published on February 4, 2026. Because it is overbroad and imprecise, the SORN represents a significant and unwarrantedinvasion of individual privacy by the federal government. This baseless violation of privacywould extend even to individuals…
Read More about Letter to Treasury Regarding the Privacy Act; System of Records Notice (SORN)
This NCLC comment expresses strong opposition to changes proposed by the Consumer Data Industry Association (CDIA) that would throttle the number of complaints filed with the CFPB against the three Big Three credit bureaus (Experian, Equifax and TransUnion). The comments object to the CFPB’s action in already adopting one of the changes demanded by CDIA,…
These are comments to the California Dept of Financial Protection and Innovation (DFPI) in response to its request for comments on a potential rulemaking to regulate consumer reporting agencies.
Read More about Comments to the California DFPI: Regulate Credit Bureaus
This letter from 52 economic justice, civil rights, labor, faith and other groups urges lenders, debt collectors, and credit bureaus to provide economic relief to Minnesotans who have been financially devastated by the overly aggressive surge of militarized activity in that state by ICE. The letter asks these companies, to:
These are comments of the National Consumer Law Center (on behalf of its low-income clients) and the Consumer Federation of America in response to the CFPB’s advance notice of proposed rulemaking on whether to raise the threshold for defining larger participants in the consumer reporting market from $7 million in receipts from consumer reports to…
We support HUD’s ongoing commitment to sustainable homeownership. As HUD notes, this mission is consistent with HUD’s core obligation of protecting the Mortgage Mutual Insurance Fund. Importantly, it also aligns with HUD’s statutory duty of “meet[ing] the housing needs of the borrowers that the single family mortgage insurance program under this subchapter is designed to…
Read More about NCLC Comment to HUD on Buy Now Pay Later Products
Seventy (70) organizations, led by NCLC, sent this letter opposing S.1465 and H.R.5402, the Credit Access and Inclusion Act. This legislation is touted as helping “credit invisible consumers” by adding rent and utility payment information to their credit reports. However, the actual intent of the bill is to preempt state and other federal laws that…
Read More about Letter from 70 Groups Opposing S.1465 and H.R.5402, Credit Access and Inclusion Act
Consumers need clarity about their rights when companies collect, use, and monetize their payment and personal financial data. Without strong consumer protections, consumers will be harmed when that information is shared and used to make decisions about the consumer- particularly when that information may be incorrect. Consumers need to be able to correct any errors…
Letter from 43 organizations urging CFPB, OCC, FHFA, FHA, and other federal regulators to help protect the credit reports and scores of consumers impacted by natural or declared disasters such as Hurricanes Helene and Milton