Resources Archive

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…

Quick Summary of How to Approach Electronic Media Issues in Consumer Cases

September 10, 2024

This presentation provides a summary of issues related to protecting consumers when e-sign, electronic signatures, and electronic media is involved.

Coalition Letter to CFPB and FTC Regarding Tariffed On-Bill Financing (TOB)

September 9, 2024

This letter from 27 groups urges the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC) to issue guidance on Inclusive Utility Investment (IUI)/Tariffed On-Bill Financing/Pay As You Save (PAYS) (referred to jointly as “TOB”) loans. These products are growing substantially in the market and, without clear consumer protections, pose significant challenges to consumers’…

Comments on Proposed Medicaid and Medicare Program Rules Amending Definition of Custody for Purposes of Medicare Exclusion (CMS-1809-P)

September 9, 2024

To improve access to healthcare for people leaving incarceration, CMS is proposing to change the definition of “custody” for the purposes of Medicare eligibility rules and the Medicare special enrollment period (SEP) for formerly incarcerated individuals. These changes would now expand Medicare eligibility to people on parole, probation, or home detention, resulting in improved access…

Comments Regarding Expansion of Fedwire Funds Service and National Settlement Service Operating Hours

September 6, 2024

The Federal Reserve Board proposes to expand the operating hours for the National Settlement Service (NSS) and the Fedwire Funds Service (Fedwire). NCLC supports the proposed rule to expand the operating hours of the NSS, but urge the Federal Reserve Board to take additional measures to address and prevent fraud occurring via Fedwire before expanding…

Environmental Justice and Civil Rights Advocates’ Response to Petition For Rulemaking to Rescind EPA’s Title VI Disparate Impact Regulations

September 4, 2024

The National Consumer Law Center (on behalf of its low-income clients), along with a coalition of over 45 environmental justice and civil rights organizations, submitted a letter to the Environmental Protection Agency (EPA), calling on the agency to reject a petition filed by Republican attorneys general which would rescind vital Title VI protections. The letter…

Medical Debt Behind Bars: The Punishing Impact of Copays, Fees, and Other Carceral Medical Debt

September 6, 2024

This National Consumer Law Center (NCLC) report provides an overview of the carceral medical debt problem and policy recommendations and solutions to address the issue. The report provides background on the nature of carceral medical debt, including the complex healthcare needs of people who are incarcerated, what fees are assessed and why, how these fees…

Comments on FinCEN's Proposed Rule on Anti-Money Laundering and Countering the Financing of Terrorism Programs

September 3, 2024

NCLC supports FinCEN’s efforts to strengthen and modernize the anti-money laundering and countering the financing of terrorism (AML/CFT) program requirements for financial institutions, but urges FinCEN to do more.

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