Resources Archive

Joint Letter to HUD Advocating for Clarity in the Foreclosure Timelines

November 5, 2021

NCLC, Center for Responsible Lending (CRL), and Housing Policy Council letter to HUD re: Request for COVID-19 foreclosure timeline clarifications to promote modifications.

Joint Letter from NCLC and NRMLA to HUD Regarding Reverse Mortgage Foreclosures

September 17, 2022

We write to ask HUD to take additional steps to prevent foreclosures of the homes of reverse mortgage borrowers, spouses, and heirs who have been impacted by the COVID-19 pandemic Our organizations represent the interests of low-income reverse mortgage borrowers as well as reverse mortgage servicers

Joint Consumer & Bank Letter Supporting S. 3841, Protecting Stimulus Payments from Garnishment

May 28, 2020

Consumer and banking industry organizations write in strong support of S.3841, which would protect 2020 recovery rebates for individuals from assignment or garnishment.

Joint Comments to the CFPB Regarding Student Loan Borrower Concerns Regarding Proposed Debt Collection Rule

September 18, 2019

Community, civil rights, consumer, and student advocacy organizations comment on the proposed rule on Debt Collection Practices by the Consumer Financial Protection Bureau and express our concerns about the Proposed Rule’s failure to protect student loan borrowers from abusive debt collection practices.

Joint Comments to the CFPB Regarding Privacy Concerns in Proposed Debt Collection Rule

September 18, 2019

Joint Comments to the Bureau of Consumer Financial Protection re: Docket No. CFPB-2019-0022 RIN 3170-AA41

Joint Comments Regarding the Qualified Mortgage Definition Under the Truth in Lending Act (Long Version)

September 8, 2020

Comments of the National Consumer Law Center (on behalf of its low-income clients), Consumer Federation of America, and Prosperity Now on Qualified Mortgage Definition under the Truth-in-Lending Act (Regulation Z): General QM Loan Definition; 85 Fed. Reg. 41716 RIN 3170-AA98 Docket No. CFPB-2020-0020

Joint Comments on Tier 2 Proposal to Eliminate the Customer Account Number Requirement

April 2, 2020

On February 5, 2020, the Department of Public Utilities (the “Department”) issued a Hearing Officer Memorandum (“Memorandum”), requesting comments on a series of Tier One and Tier Two proposals that are part of the Department’s ongoing investigation into initiatives to promote and protect consumer interests in the retail electric competitive supply market.

Job Posting: Legal Intern

June 29, 2022

IRS Guidance Stating That HAF Assistance Is Not Taxable Income

November 8, 2021

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

October 1, 2014

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.

October 15, 2020

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

May 7, 2021

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.

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