We are writing to highlight the effect of the Supreme Court’s recent decision in TransUnion L.L.C. v. Ramirez, 141 S. Ct. 2190 (U.S. June 25, 2021) on the CFPB’s work. The Ramirez decision significantly impairs the ability of consumers to privately enforce numerous federal consumer laws in federal court, particularly disclosure requirements.
A letter requesting a one-week extension of the comment period on the QM seasoning comments. The comment deadline for the proposed special QM definition for seasoned loans falls on September 28th, Yom Kippur, the holiest day on the Jewish calendar.
Consumer Letter re: The End Double Taxation of Successful Consumer Claims Act
Letter in opposition to the current version of the Earned Income Access Service Providers Act, which fails to address the critical issues discussed in NCLC’s April 24, 2019 letter.
Read More about Letter Regarding S.B. 472, Earned Income Access Service Providers Act
Letter to President-Elect Joseph Biden Transition Team re: Recommended Revisions to False Certification (Ability-to-Benefit) Discharge Policies and Regulations
We are writing to urge the CFPB to amend the Interim Final Rule on Debt Collection Practices in Connection With the Global COVID-19 Pandemic (“IFR”) to clarify that it applies to the current eviction moratorium. The IFR requires increased information for tenants about COVID-related protection from eviction, and clarifies that consumers have federal remedies against debt collectors involved in the eviction that fail to provide or misrepresent that information.
The National Consumer Law Center, on behalf of its low-income clients, writes in strong opposition to the Office of Management and Budget (OMB)’s proposed changes to the federal poverty line adjustment methodology which will, over time, result in millions of consumers losing their eligibility for low-income assistance programs or experience a reduction in the amount of assistance received.
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