NCLC/CRL Statement for the Record
The document is the NCLC/CRL Statement for the Record for the March 11, 2025 Subcommittee on Economic Opportunity Legislative Hearing.
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Testimony in Support of New Mexico S.B. 267, a Bill Regulating Certain Rental Housing Junk Fees
This bill that would require up-front disclosure of fees, standardize and cap application fees, prohibit landlords from charging fees other than a screening fee to process an application, and prevent excessive late fees.
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Advanced Notice of Proposed Rulemaking on the Fair Credit Reporting Act (Regulation V); Identity Theft and Coerced Debt: Comments to the Consumer Financial Protection Bureau
In response to the Consumer Financial Protection Bureau’s (CFPB) Advance Notice of Proposed Rulemaking regarding the Fair Credit Reporting Act (FCRA) and coerced debt, a coalition of organizations, including the National Consumer Law Center (NCLC), the Center for Survivor Agency and Justice (CSAJ), and the National Coerced Debt Working Group (CDWG), alongside numerous state and…
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Fact Sheet: Protecting Homeowners from Zombie Second Mortgages
Remember the subprime mortgage crisis of the early 2000s? One toxic product that contributed to the crisis was the “80-20 mortgage,” where homeowners took out a first and second mortgage simultaneously. When the housing bubble burst, these second mortgages, often held by investors, became worthless. Many homeowners, understandably, believed these second mortgages were dead and…
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Testimony in Support of Oregon H.B. 2967, a Bill That Would Prohibit Rental Application Fees
H.B. 2967 would eliminate harmful application fees. The bill is easy for both prospective tenants and landlords to understand, which has the added benefit of making enforcement more straightforward. And, critically, it would make the difficult search for rental housing more affordable and allow applicants to put their money toward their actual rent payments.
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NTEU, NCLC and others v. Vought, Case No. 1:25-cv-00381 (D.D.C)
On February 13, 2025, NCLC, along with the NAACP, the Virginia Poverty Law Center, individual Plaintiff Pastor Eva Steege and the CFPB Employee Association, joined a lawsuit as Plaintiffs that was filed by the National Treasury Employees Union against the CFPB’s Acting Director Russell Vought in D.C federal court. Plaintiffs moved for a Temporary Restraining…
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Letter in Opposition to New Mexico HB 59
HB 59 would exempt fintech payday loans from New Mexico’s lending laws and interest rate limits. The bill is based on the model law by the conservative American Legislative Exchange Council (ALEC). It offers a fee limit that would still result in triple digit APRs and mounting fees, places no cap on purportedly voluntary “tips”…
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Testimony in Support of HB 268 (Maryland)
Testimony in support of HB 268, which creates consistent guidelines and discounts for patients seeking to access financial assistance, expands eligibility for financial hardship assistance, prohibits reporting hospital medical debt to credit reporting agencies, and bans hospital lawsuits for medical debt of $500 or less in Maryland.
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National Consumer and Privacy Groups Opposition to a Stay of 1-to-1 Consent Regulation
This filing was submitted to urge the FCC not to act on the “Emergency Petition for Commission to consider a stay of effective date of one-to-one rule in light of Executive Order” filed by the group known as Responsible Enterprises Against Consumer Harassment, MBC (R.E.A.C.H.). Given the harm to consumers and small businesses that would…
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Joint Letter Regarding Veterans Affairs Servicing Purchase
This joint industry and advocacy letter was sent to House and Senate Veterans’ Affairs committees urging Congress to maintain the Veterans Affairs Servicing Purchase (VASP) until other foreclosure options are in place for VA borrowers.
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NCLC/CRL Comments in Response to Draft Handbook 4000.1
NCLC and CRL submitted comments in response to FHA’s draft handbook that support that draft and offer areas for improvement.
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