Letter to OCC Opposing Changes to CRA Regulations
Letter to the OCC re: Notice of Proposed Rulemaking, Community Reinvestment Act Regulations
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Letter to CFPB in Response to Rulemaking Regarding the Definition of a Qualified Mortgage (QM)
The undersigned organizations are writing in response to the Consumer Financial Protection Bureau’s (Bureau) rulemaking regarding the definition of a Qualified Mortgage (QM).
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Broken Records Redux: How Errors by Criminal Background Check Companies Continue to Harm Consumers Seeking Jobs and Housing
This report provides an update to the 2012 Broken Records report. Today, the background screening industry is a multi-billion dollar industry, with about 94% of employers and about 90% of landlords using background checks to evaluate prospective employees and tenants. Background screening companies now generate reports through largely automated processes. Generally, they run automated searches…
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What States Can Do to Protect Consumers: Student Loans
About 1/3 of Americans ages 18 to 29 have outstanding student loans for their own education. People age 50 and over now owe more than $289 billion, up from $47 billion in 2004.
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The Stop EITC and CTC Seizures (H.R. 5114)
The undersigned 29 national, state and local civil legal aid, civil rights, consumer, labor, religious, veteran, and public interest organizations, write to strongly urge to take up and pass the Stop EITC and CTC Seizures Act (H.R. 5114), introduced by Rep. Sylvia Garcia (TX-29). H.R. 5114 would prohibit the Secretary of the Treasury from seizing federal Child Tax Credit (CTC) or Earned Income Tax Credit (EITC) refunds to pay back student loan debt owed to the U.S. Department of Education
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Letter to the U.S. Department of Education Regarding FOIA Request No. 19-01776-F
Interim response to a request for information pursuant to the Freedom of Information Act (FOIA), 5 U.S.C. § 552, dated July 1, 2019.
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PACE Loans: State and Local Consumer Protection Recommendations
owever, recent trends raise alarming questions about the potential for scams and abuse, especially against older consumers and in communities already devastated by disinvestment, redlining, and unaffordable lending.
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Payday Lenders Plan to Evade California's New Interest Rate Cap Law Through Rent-A-Bank Schemes
Quotes from the transcripts of August 2019 earnings calls by three publicly-traded payday lenders that offer high-cost installment loans in California at rates of 135% to 199% describing their plans to enter into rent-a-bank schemes to evade the new law.
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Letter in Support of Bill Requiring the Director of the Federal Housing Finance Agency to Require Preferred Language Question on The Uniform Residential Loan Application
Letter from the Americans for Financial Reform (AFR) Language Access Task Force to Representatve Green in support of a bill to require the Director of the Federal Housing Finance Agency (FHFA) to require each enterprise to include a preferred language question on the Uniform Residential Loan Application (URLA)
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