Resources Archive

Comments to the Department of Homeland Security Opposing Notice of Proposed Rulemaking on Public Charge Determinations

October 18, 2022

Credit reports and credit scores are inappropriate measures to determine the likelihood thatan immigrant will become a public charge. Immigrants are unlikely to have credit histories and credit scores. Credit reports suffer from unacceptable rates of inaccuracy, especially for determining immigration status. Use of credit scores will have a disparate impact on immigrants of color.…

Testimony of Chi Chi Wu before the U.S. House Task Force on Use of Alternative Credit Data to Expand Access to Credit

October 18, 2022

Alternative data has the potential to benefit millions of consumers, whether they are “credit invisible” or they have impaired records with the traditional Big Three nationwide consumer reporting agencies or “credit bureaus” – Equifax, Experian, and TransUnion. However, alternative data is not without its risks.Much of the analysis of whether alternative data will benefit or…

Group comments to CFPB’s Request for Information regarding Use of Alternative Data and Modeling Techniques in the Credit Process

October 18, 2022

Alternative data has the potential to benefit millions of consumers, whether they are “credit invisible” or they have impaired records with the traditional Big Three nationwide consumer reporting agencies (CRAs) – Equifax, Experian, and TransUnion. However, alternative data is not without its risks.

Closed Comment Opportunities

October 17, 2022

Homeownership & Foreclosure Faster Electronic Payments Banking, Payments, & Remittances Fintech Credit & Earned Wage Advances Equity & Racial Justice Coerced Debt Homeownership & Foreclosure Banking, Payments, & Remittances High-Cost Credit Energy, Utilities, & Telecommunications Consumer Protection Regulation Criminal Justice Equity & Racial Justice Banking, Payments, & Remittances Criminal Justice Credit Reporting & Data Fairness…

The Wrong Tool for the Wrong Purpose: Why the Credit Scoring Provision in the Immigration Public Charge Proposal Is Illogical and Ill-Advised

October 17, 2022

On October 10, 2018, the Department of Homeland Security (DHS) issued a proposed rule that would make it much harder for immigrants to obtain visas (including visas to study or work in the U.S.), to extend their visas, or to become lawful permanent residents (“green card holders”). The proposal greatly expands what will be considered…

Consumer Groups' Application for Review of the Consumer and Governmental Affairs Bureau’s Recent Ruling on P2P Texts

October 17, 2022

This is an Application for Review of the Consumer and Governmental Affairs Bureau’s recent ruling on P2P texts, submitted by the National Consumer Law Center on behalf of its low-income clients and Consumer Federation of America, Consumer Action, EPIC, National Association of Consumer Advocates, and Public Knowledge, is filed pursuant to Section 1.115 of the…

Stopping the Payday Loan Trap

October 17, 2022

Payday loans are very high-cost, short-term loans that ensnare borrowers in a debt trap. As public awareness of the dangers of payday loans has grown, a number of institutions have begun offering alternative products that promise to be more beneficial to the borrower. But payday loan alternatives are not all created equal. Some are considerably…

Mass. LIHEAP Information

October 14, 2022

This resource contains LIHEAP information and application materials. It also includes a link to the most recent Cold Relief brochure which is updated annually and lists where, in each of the state’s 354 cities and towns, one applies for fuel assistance, weatherization services, and heating system repairs/replacements. It also provides the up-to-date income limits for…

Coalition Letter to Congress Urging Support for Debt Collection Provisions of HEROES Act

October 14, 2022

The 104 undersigned small business, nonprofit, consumer, community, human rights and civil rights organizations write to urge Congress to include in the next recovery package the critical protections of Section 110402 and 110601 of the HEROES Act, H.R. 6800, restricting the collection of consumer andsmall business debt. That section gives consumers and small businesses that…

Testimony Before House Financial Services Regarding Oversight of Mortgage Servicers' Implementation of the CARES Act

October 14, 2022

The unprecedented coronavirus pandemic has brought illness, death, unemployment, and greater economic insecurity to Americans across the country. Communities of color, particularly Black and Latinx communities, have been especially hard hit by COVID-19, with higher rates of illness, death, and unemployment due to COVID-19 than majority white communities. Pre- existing inequalities are being exacerbated by…

A Looming Crisis: Black Communities at Greatest Risk

October 14, 2022

Foreclosure prevention measures, data collection, and reporting must be prioritized to stave off preventable foreclosures Communities of color in the United States, especially Black and Latinx communities, are particularly hard hit by the COVID-19 pandemic, from higher rates of illness and death to greater rates of unemployment, mortgage default and eviction risk. These challenges have…

Amicus Brief in Lacewell v. OCC

October 13, 2022

Amicus Brief of the Center for Responsible Lending, National Consumer Law Center, and National Community Reinvestment Coalition in support of the Appellant. This case concerns the authority of the Office of the Comptroller of the Currency (OCC) to extend the privileges of national banks to entities that do not accept deposits and are not banks…

All Resources