Resources Archive

Comment on Proposed Amendments to Wisconsin's Debt Adjustment Services Rule

September 27, 2024

NCLC and AARP Wisconsin agree with the proposal to limit debt adjustment fees to a percentage of savings, but 30% is too high. NCLC and AARP Wisconsin also recommend more robust annual data reporting, prohibiting licensees from advising consumers to default on debts, and adopting other protections found in the FTC’s debt relief services rule.

Amicus Brief: NAIB v. Weiser (10 Circuit, DIDMCA opt out)

September 23, 2024

This brief argues that a state that opts out of DIDMCA may enforce its interest rate laws against out-of-state, state-chartered banks in order to stop rent-a-bank lending and other high-cost loans that exceed state rate caps.

Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance

September 24, 2024

This report covers the ways that financial institutions across the financial services industry serve, or fail to serve, people with limited English proficiency.

The Growing Impact of Student Loan Debt on Older Adults

September 19, 2024

A new fact sheet from NCLC and the New America Foundation examines the problem and provides policy solutions to protect the financial security of older adults with student loan debt.

Comments to HUD's Proposed Note Sale Rule

September 16, 2024

We support the important protections HUD has put into place to help avoid unnecessary foreclosures for loans that may be sold in bulk sales of FHA-insured loans.

Comments on HUD's Handbook for Modernization of Engagement with Borrowers in Default

September 13, 2024

This letter responds to HUD’s proposed policy updates regarding meetings with borrowers in default in connection with its revision of 24 CFR 203.604.

"What the Heck, Dude!": How States Can Fight Rental Housing Junk Fees

November 13, 2025

This companion report to Too Damn High focuses on steps that state and local governments and advocates can take to address junk fees.

Joint Letter to the CFPB on Language Access in Mortgage Servicing

September 9, 2024

Letter from consumer, civil rights and banking organizations supporting the Bureau’s efforts to provide LEP borrowers with access to language assistance and expressing concern regarding one aspect of the proposal. “We believe there are meaningful and operationally feasible approaches that can be pursued to improve language access for borrowers, which we will detail in our…

Civil Rights Sign-on Comments on Disclosure and Transparency of AI-Generated Content in Political Ads

September 4, 2024

This letter is the Leadership Conference on Civil and Human Rights sign-on comments urging the Federal Communication Commission to require disclosure for AI-generated content in political ads. Communities of color and non-English speakers are particularly vulnerable to fraudulent campaign communications.

Coalition Letter to CFPB Commenting on the Bureau's Proposal to Expand Language Access in the Mortgage Market

September 9, 2024

This coalition comment letter expresses support for the Bureau’s efforts to expand language access in the mortgage market, including proposed requirements to provide bilingual Spanish-English essential documents, taglines disclosing the availability of such documents in other top languages, and the provision of oral interpretation for mortgage borrowers. The letter expresses concerns about the proposal to…

Coalition Letter to CFPB on Streamlining of Mortgage Servicing

September 9, 2024

This coalition letter supports the Bureau’s efforts to streamline loss mitigation for mortgage borrowers and makes specific recommendations to improve the proposed RESPA rule. It also supports improving protections for successors in interest and those with zombie second mortgages and other home equity lines of credit.

Comments to CFPB Regarding Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; RESPA Regulation X

September 9, 2024

This RESPA comment, with three appendices, generally supports and provides detailed feedback on the Bureau’s proposals to streamline loss mitigation procedures and to expand language access in mortgage servicing. It shares results of two related NCLC surveys of advocates and also supports providing stronger protections for successors in interest and for those with “zombie” second…

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