Resources Archive

Job Posting: Legal Intern

August 25, 2022

IRS Guidance Stating That HAF Assistance Is Not Taxable Income

August 25, 2022

This revenue procedure addresses the Federal income tax treatment and information reporting requirements for payments made to or on behalf of financially distressed individual homeowners by certain entities with funds allocated from the Homeowner Assistance Fund (HAF), which was established in response to the coronavirus disease (COVID-19) pandemic.

Introduction to Account Screening Consumer Reporting Agencies

August 25, 2022

What is a bank account screening consumer reporting agency (CRA)? It is a database that contains information about a consumer’s history dealing with bank accounts. Bank account screening CRAs mostly include information on negative events, such as having an account closed due to too many overdrafts or nonsufficient funds (NSF) transactions, or, in rare cases,…

Interim Award of Arbitrator in Adam Veltri v. Americor Funding, Inc.

August 25, 2022

Comments to the CFPB Regarding Debt Collection Practices in Connection With the Global COVID-19 Pandemic

August 25, 2022

These brief comments address the CFPB's Interim Final Rule and its official interpretations, identifying several areas where the rules can be strengthened to better protect vulnerable tenants.

HUD Should Provide Additional COVID Loss Mitigation Options for HECM Borrowers

August 25, 2022

COVID Relief: Forward Mortgages vs. Reverse Mortgages (HECMs)

Homeowners Need a Homeowner Assistance Fund and Additional Relief to Prevent a Coming Foreclosure Crisis

August 25, 2022

Several million homeowners are behind on their mortgages or are already in foreclosure as the nation continues to face a pandemic, with low-income communities and communities of color hit hardest. While currently available programs will help many homeowners avoid foreclosure, many other homeowners likely will lose their homes unless further steps are taken.

Homeowner Assistance Fund: Overview and FAQs

August 25, 2022

As part of the American Rescue Plan, Congress created the HAF, which provides $9.9 billion to the U.S. Department of the Treasury to give out to states, territories, and tribes to help homeowners experiencing hardships during the COVID-19 pandemic. The funds must be used by September 30, 2025

Homeowner Assistance Fund Model Plan: Planning and Administration

August 25, 2022

Model plan for Homeowner Assistance Fund assessment.

HECM Non-Borrowing Spouses Experiencing MOE Problems with RMS

August 25, 2022

Since RMS and its parent company, Ditech, filed for bankruptcy protection, it has become even more apparent that both companies failed to properly service consumers’ mortgage loans in many respects.

Testimony Regarding Deceptive and Abusive Practices by Competitive Energy Suppliers (Massachusetts)

August 25, 2022

Testimony by Jen Bosco in hearing on Massachusetts S. 195 and H. 331, An Act Relative to Protecting Residential Electric Customers

Hearing on “What’s Your Home Worth? a Review of the Appraisal Industry”

August 25, 2022

On behalf of Mountain State Justice and the National Consumer Law Center, thank you for the opportunity to submit this statement regarding the appraisal industry

All Resources

Job Posting: Legal Intern

IRS Guidance Stating That HAF Assistance Is Not Taxable Income

Introduction to Account Screening Consumer Reporting Agencies

Interim Award of Arbitrator in Adam Veltri v. Americor Funding, Inc.

Comments to the CFPB Regarding Debt Collection Practices in Connection With the Global COVID-19 Pandemic

HUD Should Provide Additional COVID Loss Mitigation Options for HECM Borrowers

Homeowners Need a Homeowner Assistance Fund and Additional Relief to Prevent a Coming Foreclosure Crisis

Homeowner Assistance Fund: Overview and FAQs

Homeowner Assistance Fund Model Plan: Planning and Administration

HECM Non-Borrowing Spouses Experiencing MOE Problems with RMS

Testimony Regarding Deceptive and Abusive Practices by Competitive Energy Suppliers (Massachusetts)

Hearing on “What’s Your Home Worth? a Review of the Appraisal Industry”

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