The bill would close two major gaps in the Earned Income Tax Credit (EITC) and Child Tax Credit (CTC) — ensuring that the federal tax code doesn’t continue to tax millions of low-wage workers into, or deeper into, poverty each year and ensuring that the tax code doesn’t exclude millions of lowincome children from the full Child Tax Credit.
Read More about Letter to Senate in Support of the Working Families Tax Relief Act
Debt collection affects 71 million U.S. consumers, with 1 in 3 Americans with a credit report having a debt in collections. This number rises to a staggering 45% of Americans living in predominantly non-white zip codes.
Read More about What States Can Do to Help Consumers: Debt Collection
The undersigned organizations, all of which have a strong interest in access to sustainable homeownership and consumer protection, write as a group to underscore the singular importance of ensuring that the GSE Patch does not expire without additional steps being taken to ensure adequate access to mortgage credit.
Read More about Response to ANPRM on the Qualified Mortgage Definition
Consumer organizations write to support the Accurate Access to Credit Information Act of 2019. The bill will address serious problems in the credit reporting system and empower consumers by providing them with much greater access to and control over their own information.
Read More about Support Letter for the Accurate Access to Credit Information Act of 2019
Consumers are “credit invisible” if they don’t have any credit history with the Big Three credit bureaus (Equifax, Experian, and TransUnion) or if their histories are too scant or old (“thin”) to generate a credit score.
Read More about Credit Invisibility and Alternative Data: Promises and Perils
Plaintiff's response to Malcolm and Cisnero's Motion to Dismiss
Read More about Plaintiff's Response in Smith v. Bank of New York Mellon
Debt-based driver’s license suspensions are a widespread yet counterproductive practice that undercuts economic growth.
Read More about Letter of Support: Driving for Opportunity Act of 2020
For the reasons discussed herein, Defendants’ motion will be denied.
Read More about Denial of Motion for Summary Judgement in Amodio v. Ocwen Loan Servicing
Fact sheet explaining what to look for in a credit report and what to do with errors.
Read More about The Truth About Credit Reports & Credit Repair Companies
For many in America, a car provides not only physical mobility but also economic mobility. Yet for years, studies have shown that the costs of buying, financing, and using a car can vary based on race or ethnicity.
Read More about Time to Stop Racing Cars: The Role of Race and Ethnicity in Buying and Using a Car
The use of technology in financial products and services (fintech) is resulting in a wide array of new approaches to financial products and services. The internet, mobile devices, big data, computer algorithms, and other technologies are impacting the way we borrow, make payments, and manage our money. These technologies are also changing the way that…
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