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…
Infographic depicting the impact of debt collection on older consumers.
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.
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…
Read More about Obtaining Mortgage Relief for Victims of Disasters: A Practice Guide for Advocates
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…
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.
Read More about Non-Regulatory Actions Needed on Debt Collection
NCLC’s letter in support of H.R. 4777, Non-Debtor Release Prohibition Act 2021.
Presentation outlining transportation electrification principles, energy affordability challenges and potential benefits and risks of transportation electrification for low-income consumers.
On behalf of our low-income clients, we provide four recommendations for improving the United States Department of Agriculture’s (USDA) programs aimed at providing and sustaining affordable homeownership in rural areas. We appreciate the opportunity to make these proposals, and we look forward to further discussion.
This fact sheet covers different types of debt relief and what consumers should watch out for.
Read More about Need Help with Debts? Don’t Get Burned by Scammers—Know the Facts About Debt Relief!
Group letter to support the CFPB's proposed rule to delay the mandatory compliance date of the revised Qualified Mortgage (QM) definition to October 1, 2022
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