Resources Archive

Robinson et al v. D.R. Horton, Inc., and DHI Mortgage Company, Ltd.

December 5, 2025

Kim Robinson, Bradley Skougard, Desiree Skougard, Tammy Santorii, Arthur Whitney, Michelle Hinds, and Bradley Hinds, on behalf of themselves and all others similarly situated v. D.R. Horton, Inc., & DHI Mortgage Company, Ltd., 6:25-cv-01904 (D. Nev.) This class action lawsuit seeks nationwide relief from a deceptive home-selling and financing scheme employed by D.R. Horton Inc.,…

Comments to HUD Regarding Future of the HECM and HMBS Programs and Opportunities for Innovation in Accessing Home Equity

December 4, 2025

NCLC provided comments to the Department of Housing and Urban Development (HUD) describing the importance of the federally-insured reverse mortgage program for older adults living on limited income. Federally insured reverse mortgages are a much safer option for older homeowners than alternative “equity release” products being sold by private investors with little to no government…

Smith et al. v. Aramark Corporation et al.

December 3, 2025

This class action lawsuit challenges Aramark’s food services scheme to unfairly profit off incarcerated consumers and their families. The complaint alleges that Aramark, the exclusive provider of food services, exploits its position of control over its captive consumer market by failing to provide incarcerated people with adequate mandated daily meals services, so they and their families are driven to purchase food from Aramark-owned vendors.

Letter Opposing Adding Preemption of AI Laws to NDAA

December 2, 2025

NCLC joined a letter opposing adding a provision to the National Defense Authorization Act (NDAA) that would preempt state laws on artificial intelligence (AI).

Comments Supporting CFPB Consumer Complaint Intake System

December 2, 2025

NCLC joined a comment on a Paperwork Reduction Act request emphasizing the importance of the CFPB’s Consumer Complaint Intake System.

Letter Supporting S.3210 (Warren) / H.R.6145 (Jayapal), the Experts Protect Effective Rules, Transparency, and Stability Act of 2025 (“EXPERTS Act")

December 2, 2025

NCLC supports S.3210 (Warren) / H.R.6145 (Jayapal), the Experts Protect Effective Rules, Transparency, and Stability Act of 2025 (“EXPERTS Act”), which restores the Chevron judicial review standard and modernizes, improves, and strengthens the regulatory system to protect the public from harm more effectively.

Letter Opposing H.R.2702 (Barr) / S.875 (Scott), the Financial Integrity and Regulation Management Act” or the “FIRM Act”

December 2, 2025

NCLC opposes H.R.2702 (Barr) / S.875 (Scott), the Financial Integrity and Regulation Management Act” or the “FIRM Act,” which would ban regulators from considering reputational risk in bank supervision.

Support for Massachusetts Fair Chance in Housing Act

December 2, 2025

NCLC Director of Consumer Reporting and Data Advocacy Chi Chi Wu, submitted testimony in support of a Massachusetts bill to ban the use of credit reports and scores for tenants who have a government rent subsidy.

NCLC and GBLS Testimony in Opposition to MA S.705 & H.1106: An Act Relative to Home Investments

December 2, 2025

NCLC and GBLS provided written testimony in opposition to MA S.705 & H.1106: An Act relative to home investments. This is an industry bill that is being run across the country that defines shared appreciation agreements as not being residential mortgage loans, thus exempting them from federal and state mortgage lending rules and protections.

Testimony in Support of MA S.731/H.1145 - An Act Regulating Certain Mortgages; Support for Regulating HEIs and SAMs

December 2, 2025

This testimony provides support for a bill that would regulate shared appreciation mortgages & home equity “investment” loans by clarifying these products are loans, providing more precise disclosures, a cap on amounts that can be collected from the homeowner, required pre-loan counseling, and other requirements.

Home Equity Investment Loans Are Subprime Mortgages: Federal and State Policymakers Should Update Rules to Protect Consumers

November 24, 2025

The time has come for policymakers to protect homeowners from the risks this product poses and those who may abuse it. HEI loans are really just another form of mortgage and should be regulated like other forms of mortgage credit.

What States Can Do to Protect Low-Income Families When Collecting Government Debts

November 21, 2025

State debt collection efforts can conflict with state anti-poverty programs. This issue brief discusses how states that seize income tax refunds to collect debts owed to the state may also be seizing safety-net payments such as state Earned Income Tax Credit (EITC) or Child Tax Credit (CTC) funds. States should follow California’s example to protect…

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