Resources Archive

Comments to the Notice of Assessment of 2013 RESPA Servicing Rule and Request for Public Comment

July 10, 2017

NCLC and other consumer advocacy groups issued a comment to the CFPB regarding the 5-year assessment of its mortgage servicing rules.

Comments on FHFA's Request for Input on Improving Language Access in Mortgage Origination and Servicing

July 31, 2017

Americans for Financial Reform (AFR)’s Language Access Task Force submits the following comments in response to the Federal Housing Finance Agency (FHFA)’s Request for Input (RFI) on Improving Language Access in Mortgage Lending and Servicing issued May 25, 2017. For the past two years, our task force has been focused specifically on improving language access…

Supplemental Comments to FHFA on Improving Language Access in Mortgage Origination and Servicing

September 1, 2017

The undersigned members of the Americans for Financial Reform (AFR) Language Access Task Force submitted comments in response to FHFA’s Request for Input: Improving Language Access in Mortgage Lending and Servicing (RFI), including analysis of responses from lenders and borrowers collected during the URLA Round 7 Consumer Testing Briefing (“URLA Briefing”) that the Federal Housing…

Comments Regarding the Request for Comment on Digital-asset-related Illicit Finance & National Security Risks

November 3, 2022

Joint Comments to the U.S. Treasury re: the Request for Comment on Digital-asset-related Illicit Finance & National Security Risks.

Group Comments Supporting the Inclusion of New Demographic Data to the CFPB Complaint Intake Form

November 3, 2022

Group comments to the Office of Information and Regulatory Affairs re: CFPB Consumer Response Intake Form.

Group Letter to FHFA regarding Improving Language Access in Mortgage Origination and Servicing

January 12, 2022

The civil rights, consumer, and housing organizations, write to encourage FHFA to rededicate itself to improving language access in mortgage origination and servicing. Many of our organizations have been working collaboratively with FHFA to improve access for Limited English Proficient (LEP) borrowers since 2015 and have served as members of FHFA’s Language Access Working Group.…

FAQ: Homeowner Assistance Funds and Reverse Mortgages

March 1, 2022

Guidelines vary by jurisdiction, however many allow HAF funds to be used to allow a borrower or non-borrowing spouse to reinstate a reverse mortgage. Where program rules are less clear, it is important to note that such access is consistent with the purpose of HAF, to prevent mortgage delinquencies, defaults, foreclosure, and displacement of homeowners.

Group Comments to the Federal Trade Commission on the Magnuson-Moss Warranty Act Review on Auto Warranties and Defects

October 24, 2011

The consumer groups confines our comments to six topics: § 700.3(c) FTC should clarify that the Act applies to consumer leases § 700.10(b) Certain 50/50 warranties should be interpreted as violating the Act’s anti-tying provision § 700.11(a) FTC interpretation of Act’s application to insurance contracts conflicts with a federal statute and Supreme Court precedent §…

AFR Coalition Comments to FHFA on Federal Home Loan Banks

October 31, 2022

Coalition comments to the Federal Hosing Finance Agency re: FHLBank System at 100: Focusing on the Future.

Coalition Comments to FHFA on Fintech

October 31, 2022

Coalition Comments to the Federal Housing Finance Agency re: 2022 Fintech in Housing Finance RFI.

Fair Housing Coalition Comments to FHFA on Federal Home Loan Banks

October 31, 2022

Coalition comments to the Federal Housing Finance Agency re: Federal Home Loan Bank System.

Guide for Homebuyers: Tips for Getting a Safe Mortgage You Can Afford

December 1, 2015

This guide gives you advice for getting a safe, affordable mortgage. If you’re a financial whiz, there may be other ways you can save money, but this guide emphasizes safety and affordability.

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