For the nearly one-third of adults in the U.S. with a record of arrest or conviction, their record is not simply part of their past but a continuing condition that impacts nearly every aspect of their life.
The Homeowner Assistance Fund (HAF) was established as part of the American Rescue Plan of Under HAF, the United States Department of the Treasury is providing $9.9 billion in financial assistance through states, territories and tribes. States have the flexibility to allow eligible homeowners to use HAF funds to, for example, reinstate a delinquent mortgage,…
Read More about NCLC Model Language to Protect Homeowners Applying for HAF Funds
Comments to U.S. Department of Housing and Urban Development, Federal Housing Administration’s (FHA) Office of Single Family Housing re: Draft Update of the FHA Defect Taxonomy for Servicing Loan Reviews to the Single Family Housing Policy Handbook 4000.1.
Read More about Comments Regarding the Single Family Housing Policy Handbook 4000.1
Today, to rent an apartment or nail down a job, you almost always have to pass a background check. About 94% of employers and 90% of landlords run criminal background checks, and about 85% of landlords review eviction information. Nobody should be turned down for an apartment or job because they were erroneously tagged with…
Credit repair organizations (CROs) charge a fee to improve consumers’ credit scores, includingby removing errors. There is an epidemic of disreputable CROs that charge exorbitant fees forpromises they can’t keep.
Read More about What States Can Do About Credit Repair Abuses
Even before the COVID-19 pandemic, Massachusetts’ renters were facing a crisis from the lack of safe and affordable housing for low and moderate-income (LMI) families. One of the most significant barriers for obtaining housing is the use of credit reports and credit scores. By some estimates, 90% of landlords use credit reports and scores. NCLC…
Comments on the fifth further notice of proposed rulemaking (CG Dkt. No. 17-59) and fourth further notice of proposed rulemaking (WC Dkt. No. 17-97) by Electronic Privacy Information Center and National Consumer Law Center on behalf of its low-income clients.
Comments in response to Securus’ Petition for Waiver of the Per-Minute Rate Requirement (“Petition”) as a coalition of organizations committed to securing just rates for people who are directly impacted by incarceration. In order to expand its subscriptions program, Securus requested a waiver of FCC rules 64.6030, 64.6080, and 64.6090 that require interstate incarcerated person…
Americans for Financial Reform, the Center for Responsible Lending, Consumer Federation of America, Consumer Reports, National Consumer Law Center, Service Employees International Union (SEIU), United For Respect and U.S. PIRG write to urge you to veto S. 3611 (Scutari) regarding earned income access services.
Read More about Letter Opposing NJ Earned Income Access Bill
OVID-19 pandemic has had a severe financial impact on customers’ ability to pay for basic necessities such as utility service. Nearly one million Massachusetts residential customers (824,972) owed a total of $793.8 million in unpaid electric and gas bills at the end of June 2021, $219.1 million (38%) more than was owed at the beginning of the COVID-19 pandemic in March 2020. The vast majority of those arrears (83%/$660.8 million) were held by customers who were more than 90 days behind on their bills, and thus at imminent risk of termination. By October 1, the two largest utility companies in Massachusetts reported that over 7,000 residential customers had been terminated since the state’s moratorium on residential shutoffs was lifted on July 1. before the moratorium on residential utility shutoffs expired on July 1. As the future remains uncertain, and households continue to financially struggle, millions of customers across the country need assistance immediately to avoid losing access to critical utility service.
