Model Mortgage Servicer Duty of Good Faith
This is an outline of a Model Law for Mortgage Servicer Duty of Good Faith.
All Resources
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Electric Vehicle Coalition Letter to Treasury Re: IRA Section 30C
Comments to Treasury and the IRS, urging the agency to define “urban area” in a way that ensures tens of millions more people, including millions more residents living in poverty and in rural areas, are able to access the IRA’s § 30C tax credits that are critical to accelerate the deployment of charging infrastructure for…
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Comments Requesting the Inclusion of Electronic Benefits Transfer (EBT) Accounts to CFPB's Rulemaking on Personal Financial Data Rights
NCLC signed onto comments written by the Center for Law and Social Policy and Prosperity Now asking the CFPB to include electronic transfer benefit (EBT) accounts within the types of accounts covered by their proposed rule under Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which deals with personal financial data…
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Letter Regarding MA Gas Transition Framework Filed in Maryland PSC Case No 9707
This is a public interest sign on letter to the Maryland Public Service Commission to place the Massachusetts DPU gas transition framework into the MD PSC Case No 9707 (gas transition petition) record.
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Affordable Broadband Groups Comments Regarding Universal Service Fund in Reclassification Docket
NCLC and 14 organizations focused on affordable broadband service for low-income households urge the Federal Communications Commission (Commission) to maintain maximum flexibility regarding the future of Universal Service Fund (USF) programs, including contributions reform. The policy path for funding universal, affordable broadband service for low-income households has not been settled and it would be premature…
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Joint Industry Advocacy Letter on the Veterans Assistance Servicing Purchase Program
This is a joint letter between consumer groups and mortgage industry trade associations urging VA to adopt a system of targeting payment relief for its upcoming VA Servicing Purchase (VASP) program.
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Amicus Brief: Cantero v. Bank of America
Public Citizen, Consumer Federation of America, National Association of Consumer Advocates, National Consumer Law Center, and Public Justice submitted an amicus brief in support of petitioners in Cantero v. Bank of America. The brief argued that the Second Circuit erred in finding that state mortgage escrow interest laws are preempted and in applying a preemption…
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Updated NCLC and CRL Comments on HUD's Payment Supplement Partial Claim
In these comments, the National Consumer Law Center and the Center for Responsible Lending provided detailed comments to HUD’s revision of its Payment Supplement Partial Claim program, which will help borrowers avoid unnecessary foreclosure. See here for the comments submitted on the prior version of HUD’s Payment Supplement Partial Claim.
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Coalition Comment Letter to Federal Insurance Office on Climate-Related Data Collection
This coalition letter from over 30 groups urges the FIO to finalize a proposed data collection without further changes to ensure granular data collection on the impacts of climate on financial risk in insurance markets. The proposal, which at its inception was already too narrow, has been further narrowered to omit many key markets and…
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Coalition Letter to Federal Housing Finance Agency Supporting Retention of Loan Purchase Targets for Duty to Serve
This letter from the Underserved Mortgage Markets Coalition to FHFA Director Sandra Thompson recommends that the Government Sponsored Enterprises should retain loan purchase targets for underserved populations even in adverse market conditions.
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Letter from 60 Groups: Do Not Delay FCRA Rulemaking
NCLC submitted a letter, along with 60 consumer, civil rights, health care, and advocacy organizations, urging CFPB Director Chopra not to delay the CFPB’s planned FCRA rulemaking. This letter responds to a November 17, 2023 letter sent by 15 industry trade organizations urging Director Chopra to slow down the FCRA rulemaking by issuing an Advanced…
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Comments Regarding New York City’s 2023 Proposed Amendments to Rules Related to Debt Collectors
NCLC’s comments focus on the relationship between New York City’s Department of Consumer and Worker Protections (“DCWP”) proposed debt collection amendments, the federal Fair Debt Collection Practices Act (“FDCPA”), and federal debt collection regulations issued to implement the FDCPA (“Regulation F”). Regulation F has many gaps and weaknesses, and we commend the DCWP’s proposal for…