Resources Archive

Coalition Comments to the U.S. Department of Education Regarding Proposed Regulations on Recognition of Accrediting Agencies and Recognition Procedures for State Agencies

July 11, 2019

On behalf of the low-income clients of the Legal Aid Foundation of Los Angeles (LAFLA), the National Consumer Law Center (NCLC), and New York Legal Assistance Group (NYLAG), these comments were submitted regarding the Department of Education’s proposed regulations regarding the state authorization of distance education programs and teach-outs.

Coalition Comments to CFPB Opposing Proposal to Delay Payday Rule Compliance Date

March 18, 2019

The undersigned 130 consumer, civil and human rights, labor, and community organizations write instrong opposition to the Consumer Financial Protection Bureau’s (CFPB or Bureau) proposal to delaythe August 19, 2019 compliance date for the Mandatory Underwriting Provisions of the 2017 FinalRule governing Payday, Vehicle Title, and Certain High-Cost Installment Loans.

Coalition Comments on the CFPB's Proposed Rule to Protect Homeowners Impacted by the COVID-19 Emergency

May 10, 2021

Comments to The Consumer Financial Protection Bureau re: Protections for Borrowers Affected by the COVID-19 Emergency under the Real Estate Settlement Procedures Act (RESPA), Regulation X, Docket No. CFPB-2021-0006

Coalition Comments Regarding the U.S. Department of Education's Preemption Notice

September 13, 2021

Comments re: Federal Preemption and Joint Federal-State Regulation and Oversight of the Department of Education's Federal Student Loan Programs and Federal Student Loan Servicers (Docket ID ED-2021-OS-0107)

Coalition Letter to U.S. Treasury and Federal Regulators Urging Quick Deployment of Liquidity Facilities to Help Mortgage Servicers Maintain Stability During COVID-19 Crisis

April 16, 2020

Civil Rights, consumer, and real estate organizations’ letter to U.S. Treasury and federal banking and housing regulators.

CFPB Response to NCLC Letter on Consumer Reporting Policy

November 9, 2020

CFPB Response to NCLC Letter re: Consumer Reporting Policy Statement

CFPB Debt Collection Rule Must Protect Consumers, Not Abusive Collectors

May 1, 2019

The Consumer Financial Protection Bureau (CFPB) has proposed a rule governing third-party debt collectors. The proposal adds some consumer protections but also weakens the Fair Debt Collection Practices Act (FDCPA) by undermining its goals of stopping harassment, protecting consumer privacy, and preventing collection against the wrong person or in the wrong amount.

Call for Credit and Debt Protections to Address Financial Distress from COVID-19

March 22, 2020

At a time when tremendous financial stress is coming — or has already arrived — for millions of people and small businesses in the United States owing to the COVID-19 pandemic, advocates wrote Congress and the administration urging broad-based, efficient, and effective relief in these areas.

Letter to the CFPB Addressing the Bureau’s Approach to Consumers with Limited English Proficiency

November 30, 2020

The 26 undersigned consumer, civil and human rights, labor, community and legal servicesorganizations write to voice concerns with the Bureau’s approach to consumers withLimited English Proficiency (LEP consumers) in the recently finalized Debt Collection Practices(Regulation F) rule, and to encourage the Bureau to provide greater protections in its upcomingdisclosure rule under the FDCPA.

Building a California Seawall Against the Tsunami of Debt Collection Caused by COVID-19: Mortgage Relief

November 17, 2020

Brief examines key concepts surrounding real alternatives to foreclosures.

Asking the Wrong Question: A Critique of the Debt Settlement Industry's Data Analysis

October 1, 2020

Every few years, since 2012, the debt settlement industry has released a report asserting its worth to consumers. The reports are commissioned by the American Fair Credit Council (AFCC), a trade association representing the debt settlement industry.

Amicus Brief in United States Aid Funds, Inc. v. Espinosa

October 20, 2009

Argued that the Fair Debt Collection Practices Act’s bona fide error defense was not intended by Congress to apply to mistakes of law by debt collectors. Since the bankruptcy court’s error in confirming a Ch. 13 plan discharging a portion of the student loan debt without first finding undue hardship in an adversary proceeding was…

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