Resources Archive

Coalition Letter to CFPB Regarding Hidden Fees in International Remittances

October 19, 2021

This letter is from an unusual coalition of national and state consumer programs representing remittance senders, and one international provider of remittances: Wise. In this letter, we request that the CFPB take action to end hidden fees in the remittance market and bring to fruition the price transparency and comparison-shopping Congress originally envisioned in the…

Testimony supporting Massachusetts H. 1900, Telephone Service for Inmates

October 18, 2021

Written Testimony before the Commonwealth of Massachusetts Joint Committee on the Judiciary in support of H.1900: An Act Relative to Telephone Service for Inmates in All Correctional and Other Penal Institutions in the Commonwealth

Testimony of Chi Chi Wu before Fintech Task Force of the US House Financial Services Committee on Preserving the Right of Consumers to Access Personal Financial Data

September 21, 2021

Chi Chi Wu testifies before the Financial Technology Task Force of the US House Financial Services Committee on " Preserving the Right of Consumers to Access Personal Financial Data."

Letter to FDIC Regarding Change in Control, KMD Partners, LLC to Acquire Liberty Bank, Inc.

August 24, 2021

We ask the FDIC not to approve the application from KMD Partners, LLC to acquire Liberty Bank, Inc. (Salt Lake City, Utah), including acquiring control of the bank. The change in control presents three fundamental problems: First, Liberty Bank has itself demonstrated a poor record of meeting its community reinvestment obligations. Second, KMD Partners is…

Ramirez, Faux-Federalism, and the Futility of Consumer Disclosure Protections

August 10, 2021

Despite their numerous and intractable problems, the Supreme Court provided an enormous get-out-of-jail-free pass to credit bureaus in a recent case, TransUnion LLC v. Ramirez. The Ramirez decision significantly impacts the ability of consumers to protect themselves and their financial reputations under the Fair Credit Reporting Act (FCRA).

Letter to NC-SARA Regarding Proposed 21st Century Guidelines for Distance Education

July 26, 2021

The undersigned organizations are committed to ensuring access to high-quality postsecondary distance education and believe that one of the primary functions of state oversight of education, including distance education, is to protect students from predatory schools and programs that leave them with unmanageable debt and credentials and degrees of questionable quality. We appreciate the opportunity to provide comments on the 21st Century Guidelines for Distance Education (Guidelines), commissioned by the National Council for State Authorization Reciprocity Agreements (NC-SARA) and developed by the National Center for Higher Education Management Systems (NCHEMS).

Joint NCLC and LAFLA Comments to the Department of Education on HEA Negotiated Rulemaking

July 1, 2021

Comments to the CFPB Regarding Financial Institutions’ Use of Artificial Intelligence, Including Machine Learning

July 1, 2021

NCLC submits these comments on behalf of its low-income clients in response to the Agencies’ Request for Information and Comment on Financial Institutions’ Use of Artificial Intelligence, Including Machine Learning. The widespread adoption of artificial intelligence (AI), machine learning (ML), and related technologies by financial institutions raises fair lending and consumer protection concerns.

Last Week Tonight with John Oliver: PACE

June 21, 2021

Television segment: Last Week Tonight (21:50 runtime) “PACE Loans.” Background information provided to the producers by NCLC policy experts John Rao and Charlie Harak.

Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act

June 8, 2021

Table 2: At a Glance: Will Moving Collection of Criminal Justice Debt to the Civil Justice Collection System Achieve the Improvements Advocates Seek?

May 27, 2021

Table 2 of Collecting Criminal Justice Debt Through the State Civil Justice System.

Appendix B: Statutes Allowing Fines, Court Costs, or Indigent Defense Costs to be Treated as Civil Judgments

May 26, 2021

Appendix B of Collection of Criminal Justice Debt Through the State Civil Justice System

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