Resources Archive

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.

HECM Non-Borrowing Spouses Experiencing MOE Problems with RMS

August 22, 2019

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)

January 27, 2020

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”

June 20, 2019

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

Hanging Up on Telemarketing Robocalls

March 5, 2020

Overwhelmed by telemarketing calls? Tired of being asked to extend your vehicle’s warranty? Fed up with offers for high-interest, predatory loans? Told the callers to stop but they won’t? Report telemarketing calls to the FCC! Consumer complaints help the FCC identify bad actors and stay alert to emerging trends. Visit fcc.gov/complaints to file a complaint.…

Hanging Up on Robocall Scams

March 5, 2020

Protect yourself against scam robocalls, like those claiming to be from the IRS and the Social Security Administration! Consumers should anticipate inaccuracies in callerID and approach all unknown callers as potential scams. Beware identity theft! Callers may claim to be with a consumer’s bank, credit card company, law firm, or other familiar entity to access…

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