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HAMP & Other Loan Modification Programs Archive

2019-08-29T10:05:26-05:00August 28, 2019|Categories: Archive|

HAMP Supplemental Directives Testimony of Alys Cohen before the Senate Banking Committee re: Helping Homeowners Harmed by Foreclosures: Ensuring Accountability and Transparency in Foreclosure Reviews and Press Release, Dec. 13, 2011; Response to Questions for the Record from the Senate, January 10, 2012; related press statement, January 7, 2013 Testimony of Diane Thompson Before the [...]

Mortgage Servicing Archive

2019-08-28T12:29:01-05:00August 28, 2019|Categories: Archive|

FHA Loans Policy Briefs, Reports and Press Releases Issue brief sent to HUD containing examples of problems with FHA reverse mortgage loss mitigation in the HECM program, Nov. 2016 Press release: FHA Note Sales Should Cease until Homeowners are Fully Protected, July 1, 2016 Press release and Report: HUD’s Sales of FHA-Defaulted Mortgage Loans Benefit the [...]

Debt Settlement Archive

2021-08-06T13:58:08-05:00August 28, 2019|Categories: Archive|

Policy Analysis Comments to the Federal Trade Commission regarding the Telemarketing Sales Rule Regulatory Review, Nov. 13, 2014 Group letter opposing MA HB 3569 that would allow "unlimited fees" on Massachusetts consumers by for-profit debt-relief firms, Nov . 7, 2013 || Press release Comments on Uniform State Laws (NCCUSL) Uniform Debt Management Services Act, Mar. 2006 FTC [...]

Unfair & Deceptive Acts & Practices Archive

2019-09-10T14:42:58-05:00August 28, 2019|Categories: Archive|

Reports, Press Releases and Policy Briefs Policy brief: PACE Energy Efficiency Loans: Good Intentions, Big Risks for Consumers, Sept. 2016 Statement: FTC Affirms Consumer Rights Under the Holder Rule, May 11, 2012 Press Release: Consumer Protection in the States: A 50-State Report on Unfair and Deceptive Acts and Practices Statutes, February 2009 State-by-State Analysis of State [...]

Privacy Archive

2019-08-22T13:12:59-05:00August 22, 2019|Categories: Archive|

Big Data & Identity Errors Policy Analysis Policy Briefs, Reports & Press Releases Big Data: A Big Disappointment for Scoring Consumer Credit Risk, March 6, 2014 Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012 Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in [...]

Usury Archive

2019-08-22T12:32:59-05:00August 22, 2019|Categories: Archive|

Policy Analysis Policy Briefs, Reports & Press Releases Misaligned Incentives: Why High-Rate Installment Lenders Want Borrowers Who Will Default, July 2016 Report: Installment Loans: Will States Protect Borrowers from a New Wave of Predatory Lending?, July 2015 Consumer Advocates Applaud DOD Move to Protect Troops from Predatory Lending, July 21, 2015 Report: Why 36%? The [...]

Employment Archive

2019-09-06T12:42:47-05:00August 21, 2019|Categories: Archive|

Employer Use of Credit Reports and Background Checks Policy Analysis Policy Briefs, Reports & Press Releases Report: Rating State Government Payroll Cards, November 2015 Report: Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012 Press Release: New FTC Study Points to Much-Needed Reforms for Credit Reporting Industry, February, 2013 [...]

CFPB Debt Collection Rulemaking Archive

2021-01-22T17:18:30-05:00August 21, 2019|Categories: Archive|

Debt Collection Rule Resources Issue Brief: Time Barred Debt Disclosures in CFPB's Supplemental Rulemaking Fall Short, May 2020 Issue Brief: Millions of Americans Have Limited or No Meaningful Access to the Internet, August 2019 Summary: CFPB Debt Collection Rule Must Protect Consumers, Not Abusive Collectors, May 2019 Potential Impact on Employers and Businesses of CFPB [...]

Criminal Justice Archive

2019-12-16T10:47:18-05:00August 21, 2019|Categories: Archive|

Criminal Background Checks Comments to the Massachusetts Trial Court Public Access to Court Records Committee re: Criminal Cases and Internet Access to Docket Entries and Court Files, June 15, 2015 Report: Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012 Criminal Justice Debt Confronting Criminal Justice Debt: A Comprehensive [...]

Credit Discrimination Archive

2021-08-24T14:36:26-05:00August 21, 2019|Categories: Archive|

Policy Analysis Policy Briefs, Reports and Press Releases Policy Brief: Past Imperfect: How Credit Scores and Other Analytics "Bake In" and Perpetuate Past Discrimination, May, 2016 Solving the Credit Conundrum: Helping Consumers' Credit Records Impaired by the Foreclosure Crisis and Great Recession, Dec. 2013 Consumer Financial Protection Bureau Will Hold Auto Lenders Accountable for Discrimination [...]