Comments of Advocates for Basic Legal Equality, Inc. (ABLE), Americans for Financial Reform Education Fund, Community Legal Services of Philadelphia, The Legal Aid Society of Cleveland, Legal Aid Society of Southwest Ohio, LLC, Mountain State Justice, Inc., and National Consumer Law Center, on behalf of its low-income clients in response to the questions posed by the United States Department of Housing and Urban Development through the Advanced Notice of Proposed Rulemaking, Docket No. FR-6051-A-1, related to the impact of the Loan Sale Program on our clients and the communities in which they live.