SECOND AMENDED COMPLAINT 15 U.S.C. § 1692, et seq. (Fair Debt Collection Practices Act)
United States District Court, District of Oregon, Portland Division, Jillian McAdory v. M.N.S. Associates, LLC, and DNF Associates, LLC
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Sample Request for Information Under RESPA to Obtain Identity of Mortgage Owner
The form written request copied below can be used to obtain from the servicer of the debtor’s mortgage information about the owner of the mortgage. This information is particularly useful in determining the proper party in foreclosure proceedings, for exercising rescission rights, for naming the proper party in bankruptcy lien strip off and claim objection…
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Response in the matter of Moratorium on Disconnection of Utility Services during the public health emergency declared on March 9, 2020
Verified response of Community Organizing and Family Issues (COFI) to Illinois Utilities’ responses to the Illinois Commerce Commission’s Emergency Interim Order of March 18, 2020.
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Residential Property Assessed Clean Energy (PACE) Programs
Testimony expressing concern that the many bad actors observed in Property Assessed Clean Energy (PACE) programs have preyed upon low-income consumers, older adults, and homeowners of color, including through deceptive contractor practices and targeting communities of color.
Read More about Residential Property Assessed Clean Energy (PACE) Programs
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Coalition Letter to CFPB to Rescind Language in Guidance Allowing CRAS and Furnishers to Exceed FCRA Deadlines for Disputes
Consumer organizations call upon the Consumer Financial Protection Bureau to rescind a portion of its April 1, 2020 guidance entitled “Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act.” We urge you to rescind that portion of the April 1 guidance permitting consumer…
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Request that CFPB Prohibit Credit Reporting of Rent Arrears Incurred During COVID-19 Pandemic
The undersigned 143 organizations urge CFPB to take aggressive actions to protect the credit records of renters who have struggled financially due to the COVID-19 pandemic. In particular, we urge you to prohibit debt collectors from reporting rent arrears debt to the nationwide consumer reporting agencies (CRAs), i.e., Equifax, Experian, and TransUnion, if the rent…
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Request of the Office of Attorney General, Office of Ratepayer Advocacy for Investigation into the Effect of the Individual Residential Supply Market on Low-Income Ratepayer Assistance Programs
Consumer organizations write this letter to strongly support the above-referenced request for an Investigation into the Effect of the Individual Residential Supply Market on Low Income RatepayerAssistance Programs, which was submitted to the Department by the Attorney General onDecember 17, 2019. We urge the Department to open the requested investigation promptly andto devote adequate resources…
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Comments on Financial Institutions’ Use of Artificial Intelligence, Including Machine Learning
Artificial intelligence (AI) and machine learning (ML) are changing the landscape of decision making at financial institutions and playing an increasingly larger role in determining the types of products and services a customer is offered or denied. The growing use of AI and ML has important consumer protection and fair lending implications for the entire…
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