Resources Archive

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.

HUD Should Provide Additional COVID Loss Mitigation Options for HECM Borrowers

August 5, 2021

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

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

January 1, 2021

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

May 1, 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

May 17, 2021

Model plan for Homeowner Assistance Fund assessment.

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