Chi Chi Wu

Senior Attorney

Chi Chi Wu is a senior staff attorney at NCLC focusing on consumer credit issues, including legislative, administrative, and other advocacy. Chi Chi’s specialties include fair credit reporting, credit cards, refund anticipation loans, and medical debt. Before joining NCLC, Chi Chi worked in the Consumer Protection Division at the Massachusetts Attorney General’s office and the Asian Outreach Unit of Greater Boston Legal Services. Chi Chi is a graduate of Harvard Law School and The Johns Hopkins University.

Chi Chi is co-author of the legal manual Fair Credit Reporting, and a contributing author to Consumer Credit Regulation and Truth in Lending.

Featured Work

Digital Library: Data Gatherers Evading the FCRA May Find Themselves Still in Hot Water

Three 2019 decisions from Second, Seventh, and Ninth Circuits, discussed below, have allowed companies that share data on consumers to evade Fair Credit Reporting Act (FCRA) requirements. This article points out that these firms should be careful what they wish for. Consumers may still be in a position to sue them even if they are…

Enforcing the CARES Act Credit Reporting Protections

The economic harm caused by the COVID-19 pandemic will soon translate into pervasive credit reporting harm, as millions of consumers become unable to pay their credit obligations, and creditors, debt collectors, and others furnish negative information about them to the nationwide consumer reporting agencies (CRAs). This NCLC Digital Library article explains how consumers can protect…

Essentials About Credit Reporting

Understanding how a credit report works and how it affects a family is critical in allowing families to make the right choices in dealing with debt and other obligations. This article sets out what families in financial difficulty should know about credit reporting and credit scores, including what they are, at what point non-payment affects a…