Resources Archive

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…

Amicus Brief in NYLAG v. DeVos

July 24, 2020

Brief of the National Consumer Law Center as Amicus Curiae in Support of New York Legal Assistance’s Motion for Summary Judgment

Brief of Plaintiffs in Pearson v. Hodgson

August 6, 2021

Amicus Brief in Comcast v. National Association of African American-Owned Media

September 30, 2019

Brief of Lawyers’ Committee for Civil Rights Under Law and Twenty-One National Organizations in Support of Respondents.

Opening Brief of Defendant in Pearson v. Hodgeson

June 22, 2021

Brief of Defendant Thomas M. Hodgson in Pearson v. Hodgeson and Securus Technologies

Amicus Brief in Martha Fulford v. Marlette Funding

January 13, 2020

Brief of Center for Responsible Lending, National Consumer Law Center, and Colorado Public Interest Research Group in support of Plaintiff’s Motion for Summary Judgement.

All Resources