H.1553 would effectively protect tenants from the harms of predatory junk fees by limiting costs at the outset of the leasing process; regulating certain fees, such as late fees, fees to pay rent online, and attorney’s fees paid to landlords; and ensuring that additional fees, like amenity fees, are optional.
The Consumer Financial Protection Bureau’s proposed rule under Regulation B runs counter to Congress’s intent when it passed the Equal Credit Opportunity Act. By removing disparate impact liability, severely narrowing the definition of discouragement, and over-regulating special purpose credit programs, the propose rule would represent a major step backwards in our civil rights regulatory framework.…
NCLC joined a letter from 64 civil rights, consumer, community, tech accountability, and other organizations opposing H.R. 4801 (Hill) , the Unleashing AI Innovation in Financial Services Act.
Read More about Letter Opposing H.R. 4801 (Hill), Unleashing AI Innovation in Financial Services Act
Kim Robinson, Bradley Skougard, Desiree Skougard, Tammy Santorii, Arthur Whitney, Michelle Hinds, and Bradley Hinds, on behalf of themselves and all others similarly situated v. D.R. Horton, Inc., & DHI Mortgage Company, Ltd., 6:25-cv-01904 (D. Nev.) This class action lawsuit seeks nationwide relief from a deceptive home-selling and financing scheme employed by D.R. Horton Inc.,…
Read More about Robinson et al v. D.R. Horton, Inc., and DHI Mortgage Company, Ltd.
NCLC provided comments to the Department of Housing and Urban Development (HUD) describing the importance of the federally-insured reverse mortgage program for older adults living on limited income. Federally insured reverse mortgages are a much safer option for older homeowners than alternative “equity release” products being sold by private investors with little to no government…
This class action lawsuit challenges Aramark’s food services scheme to unfairly profit off incarcerated consumers and their families. The complaint alleges that Aramark, the exclusive provider of food services, exploits its position of control over its captive consumer market by failing to provide incarcerated people with adequate mandated daily meals services, so they and their families are driven to purchase food from Aramark-owned vendors.
NCLC joined a letter opposing adding a provision to the National Defense Authorization Act (NDAA) that would preempt state laws on artificial intelligence (AI).
Read More about Letter Opposing Adding Preemption of AI Laws to NDAA
NCLC joined a comment on a Paperwork Reduction Act request emphasizing the importance of the CFPB’s Consumer Complaint Intake System.
Read More about Comments Supporting CFPB Consumer Complaint Intake System
NCLC supports S.3210 (Warren) / H.R.6145 (Jayapal), the Experts Protect Effective Rules, Transparency, and Stability Act of 2025 (“EXPERTS Act”), which restores the Chevron judicial review standard and modernizes, improves, and strengthens the regulatory system to protect the public from harm more effectively.
NCLC opposes H.R.2702 (Barr) / S.875 (Scott), the Financial Integrity and Regulation Management Act” or the “FIRM Act,” which would ban regulators from considering reputational risk in bank supervision.
NCLC Director of Consumer Reporting and Data Advocacy Chi Chi Wu, submitted testimony in support of a Massachusetts bill to ban the use of credit reports and scores for tenants who have a government rent subsidy.
Read More about Support for Massachusetts Fair Chance in Housing Act
NCLC and GBLS provided written testimony in opposition to MA S.705 & H.1106: An Act relative to home investments. This is an industry bill that is being run across the country that defines shared appreciation agreements as not being residential mortgage loans, thus exempting them from federal and state mortgage lending rules and protections.
