Resources Archive

Coalition Comments to FDIC Regarding Community Reinvestment Act Examination of Rent-a-Bank FinWise Bank

March 14, 2023

Accountable.US, Americans for Financial Reform, Center for Responsible Lending, Consumer Action, Consumer Federation of America, National Consumer Law Center (on behalf of its low-income clients), National Community Reinvestment Coalition, Public Citizen, US PIRG and the Woodstock Institute submitted comments in connection with the Community Reinvestment Act (CRA) examination of FinWise Bank. FinWise Bank helps several…

Debt Collection Fairness Act 2025

March 13, 2023

SUPPORT Immediate Passage of H.D.2405/S.D.1209, An Act relative to fairness in debt collection

Why We Need the Fair Chance in Housing Act (FCHA) to Keep Credit Reports Out of Housing Decisions Now

March 13, 2023

An Act Relative to the Use of Credit Reporting in Housing H.1308/S.877 , the Fair Chance in Housing Act Senator Gomez , Representatives Cruz & Garcia Restricting the use of credit reports in housing decisions will reduce barriers to housing for the low-income and people of color most impacted by the COVID crisis and help…

Why We Need the FCEA to Keep Credit Reports Out of Hiring Decisions Now

March 13, 2023

An Act reducing barriers to employment through credit discrimination H.1434/S.1114, the Fair Chance in Employment Act (FCEA) Senator Barrett, Representative Cutler. Massachusetts has led the way in this area by being one of three states (CA, HI, MA) banning the use of credit scores in auto insurance decisions or pricing. This act will continue our…

Comments to the Bureau of Prisons' on its Proposed Rule Regarding the Inmate Financial Responsibility Program

March 13, 2023

The National Consumer Law Center (on behalf of its low-income clients), the Prison Policy Initiative, and Stephen Raher respectfully submitted comments in response to the Bureau of Prisons’ Proposed Rule regarding the Inmate Financial Responsibility Program, RIN 1120-AB-78, BOP-1178 We strongly oppose several of the proposed changes to the regulations on policy and legal grounds.

Too Damn High: How Junk Fees Add to Skyrocketing Rents

March 13, 2023

Junk fees jeopardize access to future housing and financial stability by contributing to rental debt that leads to negative marks on credit reports.

Letter urging Government Sponsored Enterprises (GSEs) and the Federal Housing Finance Agency (FHFA) to reform their note sale programs to ensure that borrowers avoid unnecessary foreclosure

March 10, 2023

The GSEs have sold around 700,000 loans in non-performing loan (NPL) and reperforming loan (RPL) pools since 2015. During the height of the COVID pandemic, Fannie Mae sold off 99,100 reperforming loans, the highest total for any year. When their loans are sold, the homeowners lose access to streamlined foreclosure alternatives created to help homeowners…

Written Testimony on Crypto-Assets

March 8, 2023

The National Consumer Law Center, on behalf of its low-income clients, submitted a statement for the record on crypto-assets for consideration in the above hearing. We see little to no legitimate consumer-facing use for crypto-assets and few, if any, potential benefits that are not heavily outweighed by the high degree of risk, harm, and evasion…

Consumer Protection and Court-Sponsored Online Dispute Resolution in Collection Lawsuits

March 8, 2023

This issue brief considers what court-sponsored online dispute resolution (ODR) means for consumers who are sued in debt collection lawsuits by creditors collecting consumer debts and ways that courts may guard against potential problems. Court-sponsored ODR offers a way to resolve court cases online without ever setting foot in court. While ODR has been used…

Comments to HUD Regarding Mortgagee Letter 2023-03

March 7, 2023

On behalf of our low-income clients, we applaud the servicing policy updates that HUD provided in Mortgagee Letter 2023-03. By expanding access to the waterfall established in response to the COVID-19 pandemic, FHA is minimizing barriers to all borrowers seeking help after a financial crisis. Increasing the partial claim cap to 30% will more effectively…

Coalition Letter to COPRAC Regarding Draft Formal Opinion No. 19-0003

March 6, 2023

As organizations that advocate for workers and consumers, California Employment Lawyers Association, Economic Security Project Action, National Consumer Law Center, National Employment Law Project, Open Markets Institute, People’s Parity Project, Public Good Law Center, Public Justice, Student Borrower Protection Center, and Towards Justice write to urge the State Bar Standing Committee on Professional Responsibility and…

Comments on the Department of Energy's RFI on Inflation Reduction Act home electrification and home efficiency rebate programs

March 6, 2023

NCLC has recommended several best practices to DOE in our Jan. 18, 2023 letter with the Center for American Progress and the Alliance for a Clean Energy Economy. In addition, we recommend the following best practices: a) Ensure states have the flexibility to administer the rebate funds through existing networks and programs to avoid duplication…

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