NCLC submitted comments on behalf of its low-income clients to the CFPB, FHFA, and federal banking regulators on their proposed rule requiring mortgage lenders and servicers to establish quality control standards for automated valuation models (AVMs).
Homeowners who fall behind on their property taxes risk the swift loss of their homes through tax foreclosures if they cannot pay off the back taxes owed, plus any interest, fees, costs and penalties thathave accrued. The accumulated amounts needed to resolve the tax debt can be overwhelming and resultultimately in the loss of their…
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The National Consumer Law Center and the United Church of Christ Media Justice Ministry produced a new State Digital Justice Advocacy Toolkit that contains resources to help frontline groups that are working to provide broadband and communication assistance to incarcerated people, people with disabilities, low-income households, veterans, aging and rural populations, people facing language barriers,…
The Fair Chance in Employment Act will limit the use of credit reports in hiring decisions. The use of credit reports in employment decisions is harmful and unfair to workers for a number of reasons. First is the absurdity of the practice. Considering credit histories in hiring creates a vicious Catch-22 for job applicants. A…
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While millions of homeowners fell behind on mortgage payments and were at risk of losing their homes to mortgage foreclosures during the COVID-19 pandemic, many others were facing another foreclosure crisis- the loss of their homes due to property tax lien foreclosures. This strict and often rapid tax lien foreclosure process has created a lesser…
Joint comments were submitted on the preliminary determination to update energy efficiency requirements for federally financed housing. The covered Department of Housing and Urban Development (HUD) and Department of Agriculture (USDA) mortgages and programs provide essential support for new affordable homes, a critical national need. Yet these homes may waste energy, resulting in high energy…
NCLC provided written testimony in support of Massachusetts legislation to end the sales of competitive retail electric supply to individual households. Due to a long history of deceptive sales practices and overpriced utility services, NCLC support this and similar measures.
What should you say to a scam caller? Nothing! Learn more about identifying and reporting scam calls and texts.
Reply Comments urging FCC to facilitate revocations of consent by requiring automated opt-out mechanisms for all TCPA covered calls and texts, and clarifying that once consent is revoked no further calls relating to that seller or other entity can be made, and more.
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This letter requests that the CFBP reconsider including EBT cards in their proposed rules under Section 1033 of the Dodd-Frank Act. EBT cards are used by low-income consumers receiving benefits through the Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF). Section 1033 provides that a consumer financial services provider must make…
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Medical bills often arrive unexpectedly and send many families into a financial tailspin. Unanticipated out-of-network medical bills, which often happen during emergencies, are referred to as “surprise bills” and can reach hundreds or thousands of dollars. This issue brief provides a general overview of older patients’ rights against surprise medical bills, focusing on protections provided…
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