ACA International et al. v. CFPB, No. 4:25-cv-94 (S.D. Tex.)
This case was brought by various banking associations against the CFPB to challenge the validity of the CFPB’s Medical Debt Rule (Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) 90 Fed. Reg. 3276-3374 (Jan. 14, 2025)), which removed medical debt from credit reports. In light of the change of federal Administration, NCLC represented Texas truck driver David Deeds and DC resident and father Harvey Coleman, as well as the nonprofit groups Tzedek DC and New Mexico Center on Law and Poverty, in their effort to intervene in the lawsuit to defend the Rule. On August 1, 2025, after the rule was vacated in a separate action, the case was dismissed.
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