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Letter to Treasury Regarding the Privacy Act; System of Records Notice (SORN)

March 6, 2026

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…

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Comments Opposing Changes to the CFPB Complaint Portal That Discourage Credit Reporting Complaints

March 2, 2026

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,…

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Comments to the California DFPI: Regulate Credit Bureaus

February 26, 2026

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.

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Letter Urging Creditors & Credit Bureaus to Help Minnesota Consumers Impacted by ICE Surge

February 9, 2026

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:

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Comments Opposing CFPB Proposal to Reduce Number of Consumer Reporting Agencies Supervised by the Bureau

September 22, 2025

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…

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NCLC Comment to HUD on Buy Now Pay Later Products

August 25, 2025

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…

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Letter from 70 Groups Opposing S.1465, Credit Access and Inclusion Act

June 18, 2025

Seventy (70) organizations, led by NCLC, sent this letter opposing S.1465, 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 protect consumer…

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Comment to the CFPB's Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial Data

April 10, 2025

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…

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2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

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

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NCLC Petition for Rulemaking under the Equal Credit Opportunity Act to Protect Renters

August 12, 2024

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:

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107 Advocacy Groups Comments Supporting CFPB Medical Debt Credit Reporting Ban Proposal

These are comments from 107 consumer, health care, civil rights, faith-based, economic development, legal services, and advocacy organizations supporting the Consumer Financial Protection Bureau’s proposed rule banning medical debt from credit reports. The proposed rule will benefit the 15 million consumers unfairly burdened by medical debt on their credit reports, disproportionately affecting Black and Latino…

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NCLC Comments Supporting CFPB Proposal to Ban Medical Debt From Credit Reports

August 12, 2024

These are NCLC’s detailed comments supporting the CFPB’s Notice of Proposed Rulemaking to ban medical debt from credit reports. The comments discuss the research and evidence to support the proposed rule, including the fact that medical debt disproportionately affects communities of color as well as consumers with disabilities. The comments also analyze why the CFPB…

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