The training material on this site is intended to help pro bono programs, legal services programs, local bar associations, and other organizations provide high-quality trainings for volunteer attorneys on representing consumers in bankruptcy cases. This material is provided free of charge, subject to acceptance of the terms of use. We request that users review the terms of…
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Forty-five states and the District of Columbia (DC) currently cap interest rates and loan fees for at least some consumer installment loans, depending on the size of the loan. However, the caps vary greatly from state to state, and a few states do not cap interest rates at all.
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. Many landlords and employers purchase reports containing criminal and eviction records information from specialized tenant and…
TAB Bank serves as a rent-a-bank, nominally originating predatory loans at rates up to 189% APR for Duvera Billing Services, dba EasyPay Finance, to help EasyPay evade state interest rate laws. An analysis of complaints about EasyPay loans raise serious concerns about extensive consumer harm and potential violations of federal and state consumer protection statutes. Given the information presented, the undersigned request that FDIC downgrade TAB Bank on its Community Reinvestment Act Exam.
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Across the United States, communities are grappling with rising water and sewer rates, which are increasingly unaffordable for many low-income households. When people cannot afford to pay, they face loss of access to essential water services, spiraling debt and economic hardship, loss of housing, loss of parental custody of children, and grave risks to both…
Credit scores reflect dramatic and troubling disparities by race, due to a multitude of factors explored in this brief, including the racial wealth gap, decades of redlining and housing segregation, historical and present-day employment discrimination, and racially biased criminal justice practices.
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This report explains the depth and reasons for scam robocall problem, and how the FCC has responded. We recommend several simple strategies that would stop most, if not all, of these fraudulent robocalls.
The undersigned survivor advocacy and consumer groups are pleased to submit these commentsin response to the Consumer Financial Protection Bureau (CFPB)’s Notice of Proposed Rulemaking regarding the Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking, Docket No. 2022-0023, issued April 8, 2022. This prohibition was added as Section 605C…
Why we need the Fair Chance in Housing Act (FCHA) to keep credit reports out of housing decisions now. Credit Reports Will Be Negatively Impacted by the COVID Crisis Credit Reports Don’t Predict Current Ability to Pay Credit Reports Are Riddled with Errors Credit Reports Perpetuate Historic Racial Inequities and Injustices
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