Comments on FHA Defect Taxonomy
NCLC submitted comments on HUD’s revised version of the Defect Taxonomy, which is a document that will be used when HUD assesses servicer compliance with FHA-insured rules.
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Amicus Brief: Missouri v. Biden (8th Cir.) (Brief in Support of Student Loan IDR Rules)
NCLC wrote and submitted this amicus brief to the U.S. Court of Appeals for the Eighth Circuit in Missouri v. Biden. In this case, Missouri and several other states have challenged the U.S. Department of Education’s 2023 rules governing income-driven repayment, including the SAVE plan. This amicus brief offers NCLC’s student loan law expertise to…
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Amicus Brief: Voss v. Quicken Loans, LLC et al.
NCLC has joined an amicus brief in this case before the Ohio Supreme Court, which involves a class action seeking statutory damages under state law for mortgage servicing misconduct. On appeal, Quicken argues that Article III standing should be imported into Ohio law. The amicus brief focuses on the different sources of standing under Article…
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Amicus Brief: Lackey v. Stinnie
NCLC joined in an amicus brief authored by the Lawyers Committee for Civil Rights Under Law regarding the definition of “prevailing party” in civil rights cases where a preliminary injunction is obtained and the case is subsequently mooted out by a legislative fix. The outcome of this case will impact the ability of civil rights…
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Comment on Form EIA-112: Residential Utility Disconnections Survey
NCLC and partner organizations submitted a comment to the U.S. Department of Energy/Energy Information Administration (EIA) supporting the EIA proposal to require certain electric and gas utilities to report and make public monthly residential service disconnections data. To support racial justice objectives, NCLC and commenters recommended that disconnections data be reported at the zip code…
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Maryland Energy Efficiency Advocates Supplemental Comments Re: Low-Income Affordability Mechanism
Supplemental comments were filed from the Maryland Energy Efficiency Advocates to the Maryland Public Service Commission in response to the commission’s additional questions regarding the design of a low-income affordability mechanism.
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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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