Comments to HUD's Proposed Note Sale Rule
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.
All Resources
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Comments on HUD's Handbook for Modernization of Engagement with Borrowers in Default
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.
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"What the Heck, Dude!": How States Can Fight Rental Housing Junk Fees
This companion report to Too Damn High focuses on steps that state and local governments and advocates can take to address junk fees.
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Joint Letter to the CFPB on Language Access in Mortgage Servicing
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…
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Civil Rights Sign-on Comments on Disclosure and Transparency of AI-Generated Content in Political Ads
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.
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Coalition Letter to CFPB Commenting on the Bureau's Proposal to Expand Language Access in the Mortgage Market
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…
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Coalition Letter to CFPB on Streamlining of Mortgage Servicing
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.
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Comments to CFPB Regarding Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; RESPA Regulation X
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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Quick Summary of How to Approach Electronic Media Issues in Consumer Cases
This presentation provides a summary of issues related to protecting consumers when e-sign, electronic signatures, and electronic media is involved.
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Coalition Letter to CFPB and FTC Regarding Tariffed On-Bill Financing (TOB)
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’…
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Comments on Proposed Medicaid and Medicare Program Rules Amending Definition of Custody for Purposes of Medicare Exclusion (CMS-1809-P)
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…
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Comments Regarding Expansion of Fedwire Funds Service and National Settlement Service Operating Hours
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…
