Letter Archives

Group Letter Urging CFPB to Eliminate the “Credit Header” Exclusion to Keep Credit and Consumer Report Private

January 20, 2021

The undersigned consumer and immigrant rights organizations write to urge the Consumer Financial Protection Bureau (CFPB) to prohibit consumer reporting agencies (CRAs) from selling “credit header” information without a permissible purpose as defined by the Fair Credit Reporting Act (FCRA). This action can be taken through guidance and does not require a rulemaking.

Group Letter Urging Credit Bureaus to Fix Credit Reporting Problems for Transgender and Nonbinary Customers

February 24, 2022

The undersigned organizations write on behalf of a coalition of LGBTQ+, consumer, and legal advocacy groups that have come together to address the serious credit-related problems encountered by transgender and nonbinary people. We appreciate that CDIA acknowledged these issues in its press release addressing how transgender and nonbinary individuals can prevent disruptions to their credit…

Group Letter in Support of H.R. 5332, the Protecting Your Credit Score Act of 2019 (Gottheimer).

June 23, 2020

This bill will address serious problems in the credit reporting system and empower consumers by providing them with much greater access to and control over their own information.

Group Letter Supporting HR 4277, the Overdraft Protection Act of 2021

March 30, 2022

The 66 undersigned organizations urge the members of this committee to support Rep. CarolynMaloney’s Overdraft Protection Act of 2021. Overdraft-related fees cost consumers $15 billion each year. By far, the most expensive way tohave an overdraft covered is through an overdraft coverage fee. Financial institutions could offerand encourage their customers to choose lower cost overdraft…

Group Letter to CFPB Regarding Fintech Credit Products

December 21, 2021

The undersigned 79 consumer, housing, civil rights, legal services, faith, community, small business, and financial organizations groups would like to thank you for your recent inquiry into buy now, pay later providers, and write to urge you to carefully examine these and other fintech credit products and fee models. New consumer credit products are exploding…

Letter to HUD Regarding Defect Taxonomy

July 5, 2022

Center for Responsible Lending, National Consumer Law Center (on behalf of its low-income clients), National Fair Housing Alliance, and National Housing Conference share reactions to the Defect Taxonomy straw proposal that the Housing Policy Council (HPC) sent to HUD on May 12, 2022. We think an effective defect taxonomy can be a critical tool in…

Group Letter to the U.S. Senate Commerce Committee Supporting an Amendment to S. 1541, the Martha Wright-Reed Just and Reasonable Communications Act

Our organizations have long supported S.1541, the Martha Wright-Reed Just and Reasonable Communications Act, because it will restore the Federal Communications Commission’s authority to prevent incarcerated people and their families and loved ones from paying predatory prices to communicate with each other. We write to recommend support for the amendment in the nature of a…

Coalition Letter to the CFPB Regarding "Zombie" Second Mortgages

September 27, 2022

On behalf of the low-income clients and communities we represent, the undersigned organizations urge the Bureau to take swift action against the loan holders, debt collectors, and mortgage servicers that are violating the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act(RESPA) and the Truth in Lending Act (TILA) in their handling…

Letter Asking for Rulemaking to Ban Medical Debt from Credit Reports

September 26, 2022

Letter from 91 Organizations to CFPB Director Rohit Chopra Asking for Rulemaking to Ban Medical Debt from Credit Reports.

Letter to the Federal Reserve Regarding Actions to Support Interbank Settlement of Faster Payments

November 7, 2019

Comments in support of the Federal Reserve’s plan to develop the FedNow faster payments system.

NCLC Comments to CFPB on Consumers’ Access to Their Own Financial Account Data

February 21, 2017

Comments to the Consumer Financial Protection Bureau re: Comments in Response to Requests for Information: Consumer Access to Financial Records, Docket No. CFPB-2016-0048.

Consumer Comments to FDIC Opposing Rent-a-Bank Arrangements

October 27, 2016

The undersigned national and state consumer, legal services and civil rights groups have submitted these comments on the FDIC’s proposed Third-Party Lending Guidance (Third-Party Guidance).

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