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 Senate Subcommittee on Housing, Transportation, and Community Development re: The Need for National Mortgage Servicing Standards, May 12, 2011
  Ms. Thompson’s answers to questions posed by Senator Menendez, May 12, 2011
• Testimony of John Rao re: Foreclosure Mediation Programs: Can Bankruptcy Courts Limit Homeowner and Investor Losses?, Feb. 2011
• Answers for the Record before the Senate Committee on Banking, Housing, & Urban Affairs regarding Problems in Mortgage Servicing From Modification to Foreclosure, November 2010 hearing
• Testimony of Diane Thompson before the Senate Committee on Banking, Housing, & Urban Affairs regarding Problems in Mortgage Servicing From Modification to Foreclosure, November 2010
• Testimony of John Rao before Senate Judiciary Subcommittee: Mortgage Modifications During the Foreclosure Crisis: Is There a Role for Bankruptcy Courts?, August 2009
• Testimony before the Senate Subcommittee on Administrative Oversight and the Courts of the Committee on the Judiciary: The Worsening Foreclosure Crisis: Is It Time to Reconsider Bankruptcy Reform?, July 2009
• Testimony of Diane Thompson before the Senate Committee on Banking, Housing, & Urban Affairs: Preserving Homeownership: Progress Needed to Prevent Foreclosures, July 2009
• Testimony of Margot Saunders on Mortgage Lending Reform: A Comprehensive Review of the Current Mortgage System, March 11, 2009
• Testimony of Tara Twomey before the House of Representatives Committee on Financial Services on the Implementation of the HOPE for Homeowners Program and a Review of Foreclosure Mitigation Efforts, September 2008
• Testimony before the US House of Representatives Subcommittee on Housing and Community Opportunity Regarding H.R. 5679, the Foreclosure Prevention and Sound Mortgage Servicing Act of 2008, April 16, 2008

Reports

Congressional Oversight Panel

• December Oversight Report:  What Has the Troubled Asset Relief Program Achieved?, December 9, 2009
  
• October Oversight Report:  An Assessment of Foreclosure Mitigation Efforts After Six Months, October 9, 2009
  
• March Oversight Report:  Foreclosure Crisis:  Working Toward a Solution, March 6, 2009

HAMP Policy Analysis

Analysis & Recommendation

• Homeowners Need Mandatory Loan Modifications and Expanded Access to Mediation; Current Programs Fall Short, September 2009
• NCLC’s Home Affordable Modification Program Recommendations, July 2009
• NCLC’s Home Affordable Modification Program Recommendations, March 2009

Policy Briefs, Reports, & Press Releases

• HAMP Changes Urgently Needed, September 2010
• Press Release: Why Servicers Foreclose, When They Should Modify, and Other Puzzles of Servicer Behavior, October 2009 and Report
• NCLC Reports: Special Issue on Mortgage Modification Programs, March/April 2009

Testimony

• Testimony of Alys Cohen before Subcommittee on Housing: Progress of the Making Home Affordable Program: What Are the Outcomes for Homeowners and What are the Obstacles to Success?, September 9, 2009
• Testimony of Diane Thompson before the Senate Committee on Banking, Housing, & Urban Affairs: Preserving Homeownership: Progress Needed to Prevent Foreclosures, July 2009
• Testimony of Tara Twomey before the House of Representatives Committee on Financial Services on the Implementation of the HOPE for Homeowners Program and a Review of Foreclosure Mitigation Efforts, September 2008

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 Big Mortgage Servicers and Hedge Funds While Homeowners Lose, May 10, 2016
• FHA’s Distressed Asset Sale Program Should Strengthen Home Retention Goals, December 2012
• FHA’s Distressed Asset Sales and Loss Mitigation Should Be Reformed to Maximize Sustainable Homeownership Solutions, Recommendations Aug. 31, 2012

Letters

• July 19, 2016 California Association of Realtors “C.A.R. Statement on HUD Insuring FHA Mortgages with PACE Loans” || Summary
• Letter urging HUD to reverse its decision to remove homeowner-protective language from FHA’s form single family note and mortgage, June 6, 2016
• Letter Addressing Form Note Change in Response to FHA’s June Letter, September 2, 2015
• Coalition letter to Secretary Castro seeking reversal on recent change to FHA form note language, August 20, 2015
• Group letter urging the FHA to reduce the cost of its single-family mortgage insurance premiums and enhance access to affordable credit, Jan. 7, 2015
• Group letter to federal regulators re: real-estate owned (REO) developments and bulk/asset sales by FHA/FHFA, March 3, 2014
• Letter to CFPB re: FHA violation of Equal Credit Opportunity Act, March 2012
• Letter to House Financial Services Committee Leaders Supporting Enhanced Lending Duties under FHA, May 2007
• Letter to the Financial Services Committee regarding the Accessibility of FHA Programs, January 2007

Comments and Testimony

• Center for American Progress and NCLC Comments on Proposed Changes to the Application for FHA Insured Mortgages, Oct. 1, 2015
• Comments to HUD on FHA Draft Servicing Handbook, Nov. 14, 2014
• Comments to HUD re: FHA Single Family Housing Policy Handbook, Aug. 14, 2014
• Comments to the Federal Housing Authority on FHA’s Single Family Housing Policy Handbook (Application through Endorsement Section), Dec. 15, 2013
• Group Comments to U.S. Housing and Urban Development re: Revisions to Application for FHA Insured Mortgage, July 14, 2015
• Testimony of Margot Saunders, Gary Klein and Elizabeth Renuart on FHA’s Foreclosure Avoidance Program, June 1998

Servicing Policy Analysis

Policy Briefs

• Press Release, Narratives, Summary and Policy brief: The CFPB and Other Federal Agencies Should Adopt Strong Language Access Protections for Homeowners and Other Consumers, May 2016 (Press Release in Arabic, Chinese, Creole, Korean, Spanish, Tagalog, Russian, Vietnamese)
• NCLC Survey Reveals Ongoing Problems with Mortgage Servicing, May 2015
• NCLC statement re: CFPB’s proposed mortgage servicing rules, Nov. 20, 2014
• Examples of Cases Where Successors in Interest and Similar Parties Faced Challenges Seeking Loan Modifications and Communicating with Mortgage Servicers, July 2014
• Analysis and Legislative Text Recommendations for Servicing Provisions in Johnson-Crapo Discussion Draft, April 2014
• Top Priorities for CFPB Servicing Regulations, April 2014
• Housing Finance Reform Should Improve Upon Existing Mortgage Servicing Rules, October 2013
• CFPB’s Proposed Mortgage Servicing Rules Provide Some Benefits but Sets Back Progress on Loan Modifications, August 2012
• The CFPB Should End Dual Track and Mandate Sensible Loan Modifications, May 31, 2012
• NCLC and Center for Economic Justice Issue Brief: CFPB Should Rein In Mortgage Servicers’ Abuses of Force-Placed Insurance, May 2012
• Servicers Continue to Wrongfully Initiate Foreclosures: All Types of Loans Affected, February 22, 2012
• Legal Waivers Harm Homeowners: Federal Foreclosure Reviews Should Protect Consumer Rights, January 2012
• Bank Agency Settlement Statements Make No Meaningful Progress Towards National Servicing Standards, May 2011
• Model State Law on Mortgage Servicing: An Outline, January 2011

Reports and Press Releases

• Press Release: NCLC Statement re: CFPB Final Mortgage Servicing Rules, Aug. 4, 2016
• Report: Opportunity Denied: How HUD’s Note Sale Program Deprives Homeowners of the Basic Benefits of Their Government-Insured Loans, May 2016
• Report: Snapshots of Struggle Saving the Family Home after a Death or Divorce, March 2016
• “Surviving the Borrower: Assumption, Modification, and Access to Mortgage Information after a Death or Divorce” by Sarah Bolling Mancini and Alys Cohen, Pepperdine Law Review, Vol 43: 2, February 2016
• CFPB rule improves mortgage rights for heirs, July 8, 2014
• NCLC Statement on Passage of Housing Finance Bill (S.1217) in Senate Banking Committee, May 15, 2014
• Statement re: CFPB’s new mortgage rules, January 9, 2014
• Federal Magistrate Finds Wells Fargo Not Credible in National Mortgage Servicing Compliance Settlement, July 15, 2013
• Statement re: IRS Tax Treatment for Mortgage Mods, Jan. 24, 2013
• Statement re: CFPB Mortgage Servicing Rule, Jan. 17, 2013
• Statement: Regulators Settle with Banks on Foreclosure Reviews, Jan. 7,  2013
• CFPB’s Mortgage Servicing Rules Fall Short, Oct. 10, 2012
• “Mortgage Servicing” by Georgetown University Law Associate Professor Adam J. Levitin and NCLC Of Counsel Tara Twomey, published in 28 Yale Journal on Regulation 1 (Winter 2011)
• “Foreclosing Modifications: How Servicer Incentives Discourage Loan Modifications” by NCLC Of Counsel Diane E. Thompson, Washington Law Review, Dec. 2011
• Servicers Continue to Wrongfully Initiate Foreclosures, December 15, 2010
• Press Release: Robo-Signing: Symptom of Mortgage Servicers’ Lawless Attitude That Pushes Homeowners into Foreclosure, November 2010
• Press Release and Report: Why Servicers Foreclose, When They Should Modify, and Other Puzzles of Servicer Behavior, October 2009
• Press Release and Report: Desperate Homeowners: Loan Mod Scammers Step in When Loan Servicers Refuse to Provide Relief, July 2009
• Failed Regulatory Policy, Not Low Income Housing, Cause of Mortgage Crisis, October 2008
• Press Release: Civil Rights and Consumer Groups Respond to Takeover of Fannie Mae and Freddie Mac, September 2008
• Report: Avoiding Home Repair Fraud: Lessons From Hurricane Katrina by Rick Jurgens, Nov. 2008

Comments

• Comments of NCLC and Connecticut Fair Housing Center to the Federal Reserve Bank of New York re: draft of National Mortgage Note Repository Act of 2016, March 11, 2016
• Consumer comments to the OCC on mortgage successors in interest, Mar. 21, 2016
• NCLC Supplemental Comments, Docket 2014-0033, Jan. 26, 2016
• Comments to CFPB regarding proposed amendments dealing with the bankruptcy exemptions to mortgage servicing regulations, March 16, 2015
• Comments to CFPB regarding proposed amendments to mortgage servicing regulations, March 16, 2015
• Comments to federal regulators regarding proposed changes to the rules for homes in special hazard flood zones, Dec. 29, 2014
• Comments to CFPB regarding the harms experienced by successor homeowners (widows, orphans, and divorcées) who are unable to obtain mortgage information or approval for a loan modification., Dec. 2014
• Comments to OCC regarding protections for successors in interest, Sept. 2, 2014
• Comments on Joint Notice of Proposed Rulemaking regarding Loans in Areas Having Special Flood Hazards, December 2010, 2013
• NCLC Comments on Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) filed on Nov. 22, 2013.
• Group comments to the FHFA re: Lender-Based Insurance, Terms, & Conditions, May 28, 2013
• NCLC Comments re: 2012 Truth in Lending Act (Regulation Z), and NCLC Comments re: Real Estate Settlement Procedures Act (Regulation X), Oct. 9, 2012
• NCLC and NACA Comments on NCUA Loan Workout Reporting Proposal, Feb. 2012
• Comments by the National Consumer Law Center and the National Association of Consumer Advocates to the Federal Housing Finance Agency (FHFA) re: Alternative Mortgage Servicing Compensation Discussion Paper, December 26, 2011
• Comments on Credit Risk Retention by National Consumer Law Center and National Association of Consumer Advocates to the U.S. Department of Treasury, August 1, 2011
• Comments to the Federal Reserve Board re Truth in Lending – Interim Rule Requiring Notice to Consumers by Owners of Mortgage Loans, January 2010
• Comments to the Federal Trade Commission re: Advance Notice of Proposed Rulemaking: Mortgage Acts and Practices Rulemaking, July 31, 2009

Letters

• Letter to CFPB re Best Practices Recommendations for the Handling of Imminent Mortgage Complaints, Nov. 10, 2016
• Group follow-up letter to the Federal Housing Finance Agency (FHFA) re: adding preferred language data fields to redesigned Uniform Residential Loan Application, July 29, 2016
• Group letter to the Federal Housing Finance Agency (FHFA) urging inclusion of preferred language data fields in the redesigned Uniform Residential Loan Application, June 23, 2016
• Group letter to Mel Watt asking FHFA to allow principal reduction at Fannie Mae and Freddie Mac, Oct. 1, 2014
• Group letter to HUD regarding problems with the distressed asset sales program, May 6, 2014
• Letter of support for Senator Sherrod Brown’s amendment to the current version of the housing finance reform bill (section 803 amendment to the Johnson Crapo amendment to S. 1217.), April 28, 2014
• Group letter the the Federal Housing Finance Agency re: force-placed insurance, Sept. 18, 2013
• Group Letter to Treasury Department Seeking Improvements to the Home Affordable Modification Program (HAMP) , July 15, 2013
• Coalition Letter to OCC and Federal Reserve on Recommendations regarding Foreclosure Reviews, Jan. 17, 2013
• Letter from Coalition Regarding Standards for Attorney General and Federal Agency Settlement with Mortgage Servicers, August 24, 2011
• Coalition Letter to FHFA on Mortgage Servicing Standards, June 29, 2011
• Letter from past and present members of the Consumer Advisory Council (CAC) of the FRB regarding Proposed Consent Orders Regarding Mortgage Servicing, April 11, 2011
• Coalition Letter to Regulators regarding Withdrawal of Proposed Consent Orders Regarding Mortgage Servicing Illegalities, April 6, 2011
• Coalition Letter in Support of H.R. 5679, the Foreclosure Prevention and Sound Mortgage Servicing Act of 2008, March 31, 2008
• Letter to House Financial Services Committee: Oppose Bills that Shut Out Homeowners and Abandon Communities, March 3, 2011
• Letter from civil rights and consumer protection agencies regarding regulation of securitizers of residential mortgage loans, Jan. 25, 2010
• Coalition Letter: Aiding Those Facing Foreclosure Act of 2010, Dec. 8, 2010
• Coalition Letter: Fund Foreclosure Legal Assistance Now. October 28, 2010
• Legal Aid and other groups call on AGs to ensure that resolution of their investigation of mortgage servicers help homeowners avoid foreclosure, October 18, 2010
• Letter to Treasury Secretary Geithner and National Economic Council Director Summers regarding loan modification program, March 2009
• Letter to Treasury Secretary Paulson regarding Implementation of the Trouble Assets Releif Program (“TARP”), November 2008
• Letter re Section 102 of the Emergency Economic Stabilization Act of 2008, October 2008
• Letter to Congress on Public Interest/Main Street Principles To Guide the Wall Street Rescue, September 2008
• Coalition Letter to the IRS Commissioner concerning Revenue Procedure 2008-28 regarding the impact of loan modifications on the tax status of securitization vehicles, July 2008

Disaster Relief

Reports

• Avoiding Home Repair Fraud: Lessons From Hurricane Katrina by Rick Jurgens, Nov. 2008

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 Notice of Proposed Rulemaking to amend the FTC’s Telemarketing Sales Rule (‘‘TSR’’ or ‘‘Rule’’) to address the sale of debt relief services, 74 Fed. Reg. 41,988 (8/19/09) and NCLC’s Comments

Reports and Press Releases

• Report: Searching for Relief: Desperate Borrowers and the Growing Student Loan “Debt Relief” Industry, June 2013
• Consumers Need Relief from Debt Settlement Rip-Offs: Consumer and Privacy Groups Support Senate and House Bills to Curb Debt Settlement Abuses (Press Release), June 2010
• U.S. Senate Committee on Commerce, Science, and Transportation hearing on The Debt Settlement Industry, Apr. 2010: The Consumer’s Experience with webcast and written testimony
• GAO report on debt settlement industry, April 2010
• NCLC Special Report: An Investigation of Debt Settlement Companies: An Unsettling Business for Consumers, Mar. 2005

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 UDAP Statutes

Policy Analysis

• Coalition comments on Draft Best Practice Guidelines for Residential PACE Financing, August 18, 2016 || Press release
• Comments to the Federal Trade Commission regarding the Telemarketing Sales Rule Regulatory Review, Nov. 13, 2014
• Comments of NCLC on behalf of its low income clients and multiple other groups to the federal banking agencies on federal regulations against unfair and deceptive practices, Oct. 27, 2014
• NCLC Comments to the Consumer Financial Protection Bureau re: Senior Financial Exploitation, Aug. 20, 2012
• Consumer Groups’ Letter to Senate Opposing S. 881 (Landrieu) ‐‐ Unfair To Rent‐to‐Own Consumers, August 2011
• Consumer Groups’ Letter to the House Opposing HR 1588 (Canseco) ‐‐ Unfair To Rent‐to‐Own Consumers, August 2011
• Protecting and Improving the Best Thing The FTC Has Ever Done: The Holder Rule
• Comments of the NCLC and NACA Regarding Advance Notice of Proposed Rulemaking Relating to Unfair or Deceptive Acts or Practices, November 2007

Litigation

• Amicus Brief (joint): Grimes v. Enterprise Leasing, May 23, 2014
• Amicus Brief (joint): Raysoni v Payless Auot Deals, LLC to the Georgia Supreme Court, May 19, 2014

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 Their Credit Reports, Report and Press Release, Jan. 2009

Comments, Letters & Testimony

• Letter from NCLC and 38 other advocacy organizations urging the FCC to oppose opt-in customer consent for broadband & other telecom. providers and to prohibit forced arbitration clauses in contracts, Sept. 7, 2016
• CFA et al Comments to FCC on Broadband Privacy NPRM, May 27, 2016
• Comments to the Federal Trade Commission re Big Data: A Tool for Inclusion or Exclusion?, Aug. 15, 2014
• Letter to the FCC re: ​consumer group meetings with the FCC about the importance of protecting consumers from auto-dialed calls to cell phones without consumers’ consent, June 6, 2014
• Group letter to FCC regarding notice of Ex Parte presentation, May 12, 2014
• Testimony before the U.S. Senate Banking Committee Subcommittee Re: Making Sense of Consumer Credit Reports, Dec. 19, 2012
• Testimony before the U.S. House regarding “Examining the Uses of Consumer Credit Data“, Sept. 13, 2012
• Testimony before the U.S. House regarding Use of Credit Reports in Employment and Restoring Consumer Rights for Adverse Action Disclosures, Use of Credit Information beyond Lending: Issues and Reform Proposals, May 12, 2010
• Comments to the Federal Trade Commission (FTC): Prevent Deceptive Marketing of Credit Reports, Consumer Group Comments, Dec. 2009

Electronic Technologies & Communications

Fair Debt Collection and Intrusive Calls

• NCLC’s testimony at Senate hearing on TCPA and robocalls, May 18, 2016 Press Release 
• Ex parte letter to the FCC re ongoing attempts by industry to weaken the consumer protections of the Telephone Consumer Protection Act, Jan. 16, 2015
  Class Actions and the Telephone Consumer Protection Act – Who Benefits? Seven Myths and Facts
• Press Release: FCC Set to Open Floodgates for Robocalls to Cell Phones, Jan. 14, 2015
• Group comments to the FCC re: ​preserving the Telecommunications Consumer Protection Act (TCPA) protections for cell phones, Nov. 17, 2014.
• Comments to the Federal Communications Commission re: Rules and Regulations Implementing the Telephone Consumer Protection Act of 1991, Sept. 26, 2014
• Comments to the FCC opposing change to the Telephone Communications Protection Act to allow marketing robo-calls to cell phones, Aug. 8, 2014
• Group letter to FCC letter regarding notice of Ex Parte presentation, May 12, 2014
• Testimony to the FCC Opposing HR 3035, the Mobile Informational Call Act of 2011 by the National Association of Consumer Advocates and National Consumer Law Center Nov. 4, 2011
• Group Letter to House Committee on Energy & Commerce Opposing Plan to Allow Debt Collector Robo-Calls to Cell Phones, Sept. 22, 2011
• Comments to the FTC: Collecting Consumer Debts: The Challenges of Change, June 2007
• Comments to the FCC Opposing Debt Collectors Autodialing Personal Cell Phones, 2006

Electronic Transactions

• NCLC and NACA comments to the FCC re: ACA International’s Reply Comments re: for Consumer Bankers Association petition re: exemption to the Telecommunications Consumer Protection Act, Jan. 12, 2015
• Group comments to the FCC re: opposing the American Bankers Association exemption to the Telecommunications Consumer Protection Act to allow robocalls to cell phones, Dec. 19, 2014
• Group comments re: Operating Rules Amendments to Improve Network Quality to NACHA-the Electronic Payment Association, January 13, 2014
• Group Comments to the FTC re: Telemarketing Sales Rule (Remotely Created Checks and Payment Orders), Aug. 2, 2013
• Testimony before the U.S. House Subcommittee on Social Security re: Protecting Social Security Benefits from Predatory Lending and Other Harmful Financial Institution Practices, June 24, 2008

Protecting Financial Information 

• Advocates’ letter to the FCC urging rulemaking on broadband privacy, Jan. 20, 2016 and fact sheet

Domestic Violence Survivors

• Credit Reporting and Repair for Domestic Violence Survivors Webinar, PowerPoint Presentation, April 27, 2010

Litigation

• Amicus brief of NCLC and NACA in Carvalho v. Equifax
• FCRA preemption and furnisher liability, Amicus Brief of NCLC and NACA in Gorman v. Wolpoff & Abramson case, April 2009

Brochures & Other Consumer Information

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 History, Use, and Purpose of the 36% Interest Rate Cap, April 2013, Issue Brief and Press Release
• Small Dollar Loan Products SCORECARD – Update: Scorecard Shows Consumers Pay Steep Rates for Small Loans, May 13, 2010
  – Press Release and Statutory Backup

Letters

• Letter opposing preemption of Arkansas usury rate, May 18, 2009
• Consumer groups’ Letter in support of S. 500 (Durbin) and H.R. 1608 (Speier) establishing 36% national usury cap for all credit, March 2, 2009
• Sample Letter for state groups to support S. 500

Comments

• Coalition comments on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents, August 1, 2013

Model State Laws

• Model Consumer Credit Act (1973)
• National Consumer Act (1970)

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
• Press Release: CFPB to Oversee Credit Reporting Agencies, July 16, 2012

Comments and Testimony

• 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
• Testimony before the U.S. House of Representative Committee on Financial Services regarding “An Overview of the Credit Reporting System“, September 10, 2014
• Congress Should Ban the Use of Credit Histories in Employment with Limited Exceptions. From: “Making Sense of Consumer Credit Reports,” Dec. 19, 2012
• Testimony: Examining the Uses of Consumer Credit Data, Sept. 13, 2012 (Before the U.S. House Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit)
• Testimony: Use of Credit Reports in Employment and Restoring Consumer Rights for Adverse Action Disclosures — Use of Credit Information beyond Lending: Issues and Reform Proposals, May 12, 2010 (Before the U.S. House Committee on Financial Services Subcommittee on Financial Institutions and Consumer Credit)

Litigation

• Motion for Leave to file an Amicus Brief and [Proposed] Amicus brief in the Middle District of North Carolina (Brown v. Delhaize and Food Lion, Inc.), August 11, 2014

Fair Debt Collection (Wage & Benefits Garnishment; Workplace Calls from Debt Collectors)

Policy Analysis

Comments, Letters & Testimony

• Letter supporting H.R. 5664 (Cummings), Wage and Garnishment Equity Act, July 6, 2016
• Testimony of Robert J. Hobbs to the Nevada House of Representatives in support of SB 373 Nevada Wage Protection Act to increase the amount of wages exempt from creditors from 75% to 90%, March 26, 2013; Nevada Assembly testimony, May 3, 2013
• Comments re: Opposing Debt Collectors Autodialing Personal Cell Phones and Calls to Employers (to the Federal Communications Commission), 2006

Policy Briefs, Reports & Press Releases

• Report: No Fresh Start: How States Let Debt Collectors Push Families into Poverty, October 2013
• Policy Brief: New Mass. Law Protects Cars, Wages, Bank Accounts from Collectors, March 9, 2011

Model Laws

• Model Family Financial Protection Act, October 2013

Forced Arbitration

• NCLC to testify before the Chicago City Council on harms of forced arbitration by contractors in consumer and employment agreements, June 15, 2016. Testimony ||  Press Release

Payroll Cards

Policy Analysis

Policy Briefs, Reports & Press Releases

• Press Release: Payroll Cards Make Sense for Unbanked with Proper Guidelines, August 7, 2013
• Press Release: How to Create a Payroll Card that Works for the Unbanked and Business, July 31, 2013 (American Payroll Association & NCLC)
• Press Release: Joint Payroll Card Principles, March 2011
• Policy Brief: NCLC, Consumer Union, NACHA, American Payroll Association and Association for Financial Professionals Joint Core Principles for Payroll Cards (February 2011); NCLC and CU Supplemental Principles

Other Resources

• Marketplace Radio interview (5:21 runtime) with NCLC attorney Lauren Saunders re: consumer rights and payroll debit cards, July 5, 2013

Unemployment & Other Federal Benefits Prepaid Cards

Policy Analysis

Comments & Letters

• Group Comments: Direct Deposit of Federal Benefits and Wages to Prepaid and Stored Value Cards, July 2010 (To the U.S. Department of the Treasury Financial Management Service)
• Group Letter Supporting Benefit Card Fairness Act, H.R. 4552, May 2010

Policy Briefs, Reports & Press Releases

• Report: 2013 Survey of Unemployment Compensation Prepaid Cards, Jan. 29, 2013
• Report: Prepaid Cards for Unemployed Workers: Who Holds the Winning Hand? States Can Deal Workers a Winning Hand by Discarding Junk Fees (NCLC Reviews 40 States’ Unemployment Compensation Prepaid Cards), May 2011
• Policy Brief: Protections Needed for Prepaid Payroll, Unemployment Benefits, Child Support, and Other Prepaid Payment Cards, March 2009

Other Resources

• PowerPoint: Public Benefits and Wages on Prepaid Cards, November 2010

Work Transportation

Policy Analysis

Comments & Testimony

• Group comments to the FTC on the Used Car rule, March 12, 2013
• Testimony re: Consumer Protection in the Used and Subprime Car Market, March 2009 (Before the U.S. House Subcommittee on Commerce Trade and Consumer Protection of the Committee on Energy and Commerce)

Policy Briefs, Reports & Press Releases

• Report: Fueling Fair Practices – A Roadmap to Improved Public Policy for Used Car Sales and Financing, 2009

Other Resources

• PowerPoint: Understanding the Impact of Car Ownership Programs for Low-Income Consumers, January 2012

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 Proposed Debt Collection Rule
• Top items for CFPB Debt Collection Rule

Comments to the CFPB

• Coalition (234 national, state, and local groups) comments to the CFPB re: proposed debt collection rule, Sept. 18, 2019
• Group long comments to the CFPB re: proposed debt collection rule, Sept. 18, 2019
• Joint Comments to the CFPB re: privacy concerns in proposed debt collection rule, Sept. 18, 2019
• Joint Comments to the CFPB re: student loan borrower concerns re: proposed debt collection rule, Sept. 18, 2019
• Coalition comments in response to the CFPB’s Request for Information Regarding the Bureau’s Adopted Regulations and New Rulemaking Authority to Write Debt Collections Rules, June 19, 2018
• NCLC Comments to the Consumer Financial Protection Bureau on its Debt Collection Quantitative Disclosure Testing, Aug. 4, 2017 Comments and December 14, 2017 Comments
• NCLC comments to the CFPB re: Small Business Review Panel for Debt Collector and Debt Buyer Rulemaking, Outline of Proposals Under Consideration and Alternatives Considered, Feb. 28, 2017
• Roadmap to submitting debt collection comments 
• Grassroots Debt Collection Comment Card
• Take Action: Tell the CFPB to Protect Consumers From Harassing And Abusive Debt Collection Tactics (Comment period closed September 18, 2019)
  • Video: How To Submit Comments on the CFPB’s Proposed Debt Collection Rule, June 2019
• Group Comments to the CFPB re: Advance Notice of Proposed Rulemaking re: Debt Collection, Feb. 28, 2014

Issue Briefs and Reports

• Issue Brief: Top Consumer Concerns for Debt Collection Regulations, Sept. 2018
• Report: Debt Collection Communications: Protecting Consumers in the Digital Age, June 2015
• Report: Zombie Debt: What the CFPB Should Do about Attempts to Collect Old Debt, January 2015
• Report: Strong Medicine Needed: What the CFPB Should Do to Protect Consumers from Unfair Collection and Reporting of Medical Debt, Sept. 2014

Press Releases

• CFPB Fails to Protect Consumers from Abusive Debt Collection of Time-Barred Debts (Again), Feb. 24, 2020
• More than 200 Organizations across the 50 States and D.C. Call for Strong Consumer Protections on Debt Collection, Sept. 19, 2019
• Consumer Watchdog’s Proposed Debt Collection Rule Bites Consumers: Authorizes Harassment by Debt Collectors, May 7, 2019
• New CFPB Research Highlights Need for Strong Regulations to Protect Consumers from Collection Abuses, Jan. 12, 2017
• Advocates Urge CFPB to Strengthen Outlined Debt Collection Rules to Better Protect Consumers, Sept. 22, 2016
• Advocates Applaud CFPB Proposed Debt Collection Rules but Additional Provisions Are Needed, July 28,2016
• Debt Collection Communications: Protecting Consumers in the Digital Age, June 2015
• Why the CFPB Should Ban Zombie Debt, January 2015

Letters

• Coalition letter to CFPB Director Kraninger re: ongoing rulemaking on debt collection, Dec. 19, 2018
• Group letter to the CFPB re: Small Business Review Panel for Debt Collector and Debt Buyer Rulemaking: Outline of Proposals Under Consideration and Alternatives Considered, March 17, 2017
• Coalition letter to the CFPB re: concerns with outline of proposed regulations on debt collection, Sept. 15, 2016

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 Project for Reform, Sept. 2016
  A collaborative three-part initiative by the National Consumer Law Center and Harvard Law School’s Criminal Justice Policy Program.

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 in Auto Lending, March 22, 2013
• Policy Brief urging the CFPB to Update Regulation B and Credit Discrimination, April 2012
• Why Responsible Mortgage Lending Is a Fair Housing Issue, Feb. 2012
• Credit Scoring and Insurance: Costing Consumers Billions and Perpetuating the Economic Racial Divide, 2007

Comments

• Comments to CFPB on the proposed rule amending Regulation C of the Home Mortgage Disclosure Act (HMDA), Oct. 29, 2014
• Comments to the U.S. Housing and Urban Development re: Implementation of the Fair Housing Act’s Discriminatory Effects Standard, January 17, 2012
• Comments regarding Equal Access to Housing in HUD Programs—Regardless of Sexual Orientation or Gender Identity, March 25, 2011
• Comments regarding Equal Credit Opportunity Act, 1999

Testimony

• Testimony  Before House Financial Services Committee on the Need for Race, Age and Sex Data on Non-Mortgage Lending, July 2008

Letters

• Group letter to U.S. Office of Management and Budget supporting Affirmatively Furthering Fair Housing (AFFH) Assessment Tools released by HUD, November 28, 2016
• Group letter to CFPB regarding improvements to the Home Mortgage Disclosure Act (HMDA) website, March 6, 2014
• Letter to the Senate Banking Committee on fair housing and GSE reform, February 26, 2014
• Letter to the USDA regarding comments on Nondiscrimination in Programs or Activities Conducted by the United States Department of Agriculture, Jan. 27, 2014
• Letter to HUD regarding Extension of a Currently Approved Information Collection, January 7, 2014
• Group letter to the CFPB re: FHA violation of the Equal Credit Opportunity Act’s Anti-Retaliation Provisions, March 30, 2012
• Letter to the Financial Services Committee requesting oversight hearings regarding the state of fair housing and lending enforcement in America, February 2007
• Letter to the Senate Banking Committee requesting oversight hearings regarding the state of fair housing and lending enforcement in America, February 2007

Litigation