Resources Archive

Letter to Chi Chi Wu from Equifax

October 30, 2020

A response from Equifax to NCLC's Chi Chi Wu regarding a letter requesting that Equifax provide consumers with credit reports in Spanish and seven additional languages.

Letter to CFPB Regarding Planned Reorganization of the Division of Supervision, Enforcement, and Fair Lending (SEFL) Undermines Consumer Protection

November 2, 2020

Advocates urge Director Kathleen Kraninger to abandon the proposed reorganization of the Consumer Financial Protection Bureau’s (CFPB) Division of Supervision, Enforcement, and Fair Lending (SEFL).

Comments to CFPB Regarding Plan for the Review of Bureau Rules for Purposes of the Regulatory Flexibility Act

July 15, 2019

The undersigned consumer, civil rights and community groups believe that the CFPB must not allow the section 610 review plan, or individual reviews conducted under that authority of existing regulations, to override, distract from or in any way conflict with the CFPB’s primary mission of protecting consumers from harmful practices or violations of the law,…

Letter to CFPB Regarding Effect of the Supreme Court’s Standing Decision on the CFPB’s Work

August 11, 2021

We are writing to highlight the effect of the Supreme Court’s recent decision in TransUnion L.L.C. v. Ramirez, 141 S. Ct. 2190 (U.S. June 25, 2021) on the CFPB’s work. The Ramirez decision significantly impairs the ability of consumers to privately enforce numerous federal consumer laws in federal court, particularly disclosure requirements.

Letter to CFPB Regarding 2009 CARD Act

May 1, 2019

Letter to Consumer Financial Protection Bureau re: Comments in Response to Request for Information Regarding the Consumer Credit Card Market, Docket No. CFPB-2019-0002

Letter to CFPB Director Kraninger Regarding Yom Kippur Filing Deadline for Seasoned QM Loan Definition Docket No. CFPB-2020-0028, RIN 3170-AA98

September 17, 2020

A letter requesting a one-week extension of the comment period on the QM seasoning comments. The comment deadline for the proposed special QM definition for seasoned loans falls on September 28th, Yom Kippur, the holiest day on the Jewish calendar.

Coalition letter supporting the End Double Taxation of Successful Consumer Claims Act

August 3, 2021

Consumer Letter re: The End Double Taxation of Successful Consumer Claims Act

Letter Regarding the Use of Damages Tables That Discriminate Against Women and People of Color

April 29, 2019

Letter taking an official position against the use of race or gender-based statistics that result in awards below what a similarly situated white man would receive.

Letter Regarding S.B. 472, Earned Income Access Service Providers Act

July 5, 2019

Letter in opposition to the current version of the Earned Income Access Service Providers Act, which fails to address the critical issues discussed in NCLC’s April 24, 2019 letter.

Letter Regarding Recommended Revisions to False Certification Discharge Policies and Regulations

December 9, 2020

Letter to President-Elect Joseph Biden Transition Team re: Recommended Revisions to False Certification (Ability-to-Benefit) Discharge Policies and Regulations

Letter Regarding Application of CFPB’s Interim Final Rule to the New CDC Eviction Moratorium

August 10, 2021

We are writing to urge the CFPB to amend the Interim Final Rule on Debt Collection Practices in Connection With the Global COVID-19 Pandemic (“IFR”) to clarify that it applies to the current eviction moratorium. The IFR requires increased information for tenants about COVID-related protection from eviction, and clarifies that consumers have federal remedies against debt collectors involved in the eviction that fail to provide or misrepresent that information.

Letter Opposing Proposed “Fair Access to Financial Services"

January 4, 2021

Letter in opposition the Office of the Comptroller of the Currency (OCC)’s proposal to unreasonably limit banks’ ability to decide not to serve particular entities.

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