Resources Archive

Opposition to Defendants' Preliminary Objections Regarding Attebury v. Earn Company

June 1, 2021

Sample brief regaring opposition to preliminary objections

Opinion in Texas Department of Housing and Community Affairs v. Inclusive Communities Project, Inc.

June 25, 2015

The Federal Government provides low-income housing tax credits that are distributed to developers by designated state agencies. In Texas, the Department of Housing and Community Affairs (Department) distributes the credits. The Inclusive Communities Project, Inc. (ICP), a Texas-based nonprofit corporation that assists low-income families in obtaining affordable housing, brought a disparate-impact claim under §§804(a) and…

Opinion in Jesinoski v. Countrywide Home Loans, Inc.

January 13, 2015

Slip Opinion in Jesinoski et ux. v. Countrywide Home Loans, Inc., et al. before the U.S. Supreme Court reversing the judgment of the Eighth Circuit and remand the case for further proceedings consistent with this opinion.

Opinion and Order Denying Defendants’ Motion to Dismiss

August 23, 2021

This is a civil rights class action. Plaintiffs allege Defendants violated the Fair Housing Act, the Equal Credit Opportunity Act, the Truth in Lending Act, and the Real Estate Settlement Procedures Act through “a deceptive home purchase program that discriminated against Black communities in Southeast Michigan.” (Pl’s Br., ECF No. 81, at PageID 484).

Opinion and Journal Entry in Jason Davis v. Haidar for Trading LLC, et al.

April 27, 2020

Upon review of the filings in this case, the arguments of the parties, and the applicable law, the court finds the motion to show cause well-taken.

Opening Brief in Jillian Mcadory, Plaintiff-Appellant, v. M.N.S. & Associates, LLC and DNF Associates, LLC

March 11, 2019

In the Fair Debt Collection Practices Act (FDCPA), Congress specified two ways in which an entity can be a “debt collector” and thus liable for violations of the statute. One definition, not at issue here, covers any entity that “regularly collects or attempts to collect” certain debts owed to another. 15 U.S.C. § 1692a(6). The…

Older Consumer and Debt Collection

April 5, 2019

Infographic depicting the impact of debt collection on older consumers.

Ohio’s New Residential PACE Programs Need Strong Consumer Protections to Prevent Homeowner Abuses

October 29, 2019

The consumer protection document concerning planned PACE loans in Ohio leaves many significant gaps: No clear enforcement and no consumer remedies, Underdeveloped ability to pay standard, Vague contractor requirements, Insufficient right to cancel and disclosures, No standard for effective energy efficiency improvements.

Obtaining Mortgage Relief for Victims of Disasters: A Practice Guide for Advocates

February 15, 2020

When homeowners are struggling to make their mortgage payments after a major disaster, it is critical for their advocates to understand the different programs and protections enacted for their support. The majority of mortgage loans (three out of five) made in the United States are government-sponsored or government-insured, and, as a result, the rules governing…

Notice of Ex Parte Presentation

April 9, 2020

This ex parte Notice is filed by the National Consumer Law Center on behalf of its low-income clients andAmericans for Financial Reform Education Fund, Consumer Federation of America, ConsumerReports, Consumer Action, and the National Association of Consumer Advocates. This Notice relatesto the requests made by a coalition of lenders led by the American Bankers Association…

Non-Regulatory Actions Needed on Debt Collection

February 1, 2021

This letter focuses primarily on actions needed due to the CFPB’s final debt collection rule. However, these actions are intended to supplement, not replace, critical reforms to debt collection regulations that NCLC has outlined separately.

Non-Debtor Release Prohibition Act 2021

October 25, 2021

NCLC’s letter in support of H.R. 4777, Non-Debtor Release Prohibition Act 2021.

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