There are strategies that would reduce or even eliminate harmful scam calls by holding the VoIP providers liable for their failure to police their own businesses.
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Payment fraud continues to pose a threat to U.S. households, businesses, financial institutions, and the economy as a whole. Americans are plagued by problems with unauthorized transactions and fraudulently induced payments involving peer-to-peer payment applications, crypto-assets, bank-to-bank wire transfers, check alterations and forgeries, and Electronic Benefits Transfer (EBT) card skimming. Technological advances, making mobile and…
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UMMC is a coalition of more than 40 organizations committed to expanding access to affordable and sustainable homeownership and housing opportunities through Fannie Mae and Freddie Mac (the Enterprises). We work to ensure that the Enterprises fulfill their purpose to support access to mortgage credit throughout the country, including underserved housing markets, safely and soundly.…
On July 28, 2025, FHFA issued a proposed rule to repeal the 2024 Fair Lending Rule, which provided a legal framework for ensuring GSE compliance with the Fair Housing Act, the Equal Credit Opportunity Act, and the FTC Act’s prohibition on Unfair or Deceptive Acts or Practices (UDAP). The current rule also requires Fannie Mae,…
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The undersigned groups submit these comments on the Consumer Financial Protection Bureau’s (CFPB) four advance notices of proposed rulemaking (ANPR) on whether to propose a rule to change the definition of larger nonbank participants in the auto finance, debt collection, credit reporting and international money transmission markets. The ANPRs suggest that the number of companies…
The National Consumer Law Center (on behalf of its low-income clients) and Consumer Federation of America submit these comments on the Consumer Financial Protection Bureau’s advance notice of proposed rulemaking (ANPR) on whether to propose a rule to amend the test to define larger nonbank participants in the international money transfer (remittances) market. Entities defined…
The National Consumer Law Center submitted comments, co-authored by the Consumer Federation of America, to the Consumer Financial Protection Bureau regarding the Bureau’s notice that it is considering amending which participants in the auto finance market are considered larger participants. Entities defined as larger participants are potentially subject to supervision by the CFPB and the…
These are sign on comments by Upgrade Maryland in MD PSC Case No. 9707 regarding long-term planning for Maryland’s gas companies. Upgrade Maryland is urging the commission to protect residential customers from aging and expensive gas lines in the transition to clean and efficient homes and appliances.
These are comments from the Leadership Conference on Civil and Human Rights, Media/Telecommunications Task Force to the bicameral Universal Service Fund (USF) Working Group. The comments highlight the importance of the USF programs to address the digital divide that poses a barrier to modern-day opportunities, particularly for those with very limited incomes, who live in…
These are comments in support of the continuation of an energy bill credit for seniors and residents with disabilities who are above the low-income utility assistance eligibility cut-off, but still need utility bill assistance. The DC PSC had automatically enrolled seniors and residents with disabilities that were receiving tax relief under another city program into…
NCLC signed on to comments to the Maryland PSC proceeding regarding lessons learned from Baltimore Gas and Electric’s multi-year rate plan (MRP) pilot. Maryland PIRG prepared the comments. The groups urge the commission to end the pilot as MRP has resulted in weaker oversight of utility spending and increased energy bills. Since the MD PSC…
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