All Resources
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How and When to Raise E-Sign Issues in Solar Cases
This virtual training features NCLC's Margot Saunders and Tom Domonoske of Consumer Litigation Associates.
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Comments to the Department of Treasury on Use of Artificial Intelligence in Financial Services
Use of artificial intelligence in financial services has the potential to reduce costs, increase efficiency in the underwriting process, detect fraud, and improve customer relations. However, the use of complex, opaque algorithmic models in consumer credit and banking transactions also heightens the risk of unlawful discrimination, and unfair, deceptive, and abusive practices.
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NCLC Comments Supporting CFPB Proposal to Ban Medical Debt From Credit Reports
These are NCLC’s detailed comments supporting the CFPB’s Notice of Proposed Rulemaking to ban medical debt from credit reports. The comments discuss the research and evidence to support the proposed rule, including the fact that medical debt disproportionately affects communities of color as well as consumers with disabilities. The comments also analyze why the CFPB…
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NCLC Petition for Rulemaking under the Equal Credit Opportunity Act to Protect Renters
This is a petition urging the CFPB to open a rulemaking under the Equal Credit Opportunity Act (ECOA) to define residential real estate leases as “credit” and landlords as “creditors” under the ECOA for two limited purposes:
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AFT v. MOHELA
American Federation of Teachers v. The Higher Education Loan Authority of Missouri, 2024-CAB-004575 (D.C. Super. Ct.) This complaint, filed on behalf of the American Federation of Teachers, seeks relief under the D.C. Consumer Protection Procedures Act for AFT, its members, and the general public from the Higher Education Loan Authority of the State of Missouri…
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Stone v. Real Estate Equity Exchange, Inc. et al.
Stone v. Real Estate Equity Exchange, Inc., Unison Agreement Corp., Odin New Horizon Real Estate Fund, and Unison Investment Management, LLC, No. 24-01181-MER (Bankr. D. Colo.) This adversary proceeding against predatory mortgage lender Unison Agreement Corp. and its affiliates seeks a ruling that so-called “shared equity option products” are, in fact, usurious and unconscionable mortgage…
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107 Advocacy Groups Comments Supporting CFPB Medical Debt Credit Reporting Ban Proposal
These are comments from 107 consumer, health care, civil rights, faith-based, economic development, legal services, and advocacy organizations supporting the Consumer Financial Protection Bureau’s proposed rule banning medical debt from credit reports. The proposed rule will benefit the 15 million consumers unfairly burdened by medical debt on their credit reports, disproportionately affecting Black and Latino…
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Myths and Facts About Ways to Increase Small Dollar Mortgage Lending
In this issue brief, we debunk certain myths about the barriers to small-dollar mortgage lending and set out recommendations for meaningful progress.
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Policy Recommendations: Ways to Prevent Built-to-Fail Land Contracts and Lease-Options From Hijacking the American Dream of Homeownership
A significant number of Americans have attempted to become homeowners through “rent-to-own” transactions – either a land contract or a lease with option to buy. Often, these contracts are built to fail. In this issue brief, we provide policy recommendations to prevent harmful practices and incentivize success.
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Coalition Memo to Federal Agencies Urging Consumer Protections for Green Lending
Surging public and private investment in consumer-facing green lending products1 promises to lower household energy bills, improve environmental quality and health, combat climate change, and better protect families from climate impacts. The inrush of capital and new products can also expose families to predatory financing, unsuitable products, and outright fraud. The urgency to deploy capital…
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Letter in Support of the Stop Corporate Capture Act
NCLC joins with others in support of the Stop Corporate Capture Act (H.R. 1507). This bill is critically important legislation that offers the necessary comprehensive blueprint for modernizing, improving, and strengthening the regulatory system to protect the public more effectively. Importantly, this bill also codifies Chevron deference to agency rulemaking, which was recently eliminated by…
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