Resources Archive

Joint Comment to FHA’s Defect Taxonomy of the Single Family Housing Policy Handbook

October 5, 2022

On behalf of the industries, clients, and communities we represent, the undersigned write to comment on HUD’s proposed defect taxonomy for loan servicing reviews. This joint industry-consumer comment supplements our organizations’ individual comments and sets out essential principles we see as vital in the creation of any defect taxonomy.

Group comments on OCC Notice of Proposed Rulemaking, Permissible Interest on Loans

October 5, 2022

Interest rate limits are the single most effective tool states have to protect their residents from predatory loans. Predatory loans include payday and car title loans that often carry annual interest rates as high as 300% or more. Predatory loans also include high-cost installment loans and lines of credit with rates approaching and well exceeding…

Coalition Letter Urging FDIC to Stop Permitting its Supervised Institutions to Front for Predatory Lenders

October 5, 2022

Accountable.US, Americans for Financial Reform Education Fund, Center for Responsible Lending, Consumer Action, Consumer Federation of America, Consumer Reports, the Leadership Conference onCivil and Human Rights, NAACP, National Association of Consumer Advocates, National CommunityReinvestment Coalition, National Consumer Law Center (on behalf of its low-income clients), Public Citizen, U.S. PIRG, UnidosUS and the Woodstock Institute write…

Presentation to the FCC: Telephone Subscribers Must be Protected from Robocalls Perpetrating Criminal Frauds

October 5, 2022

Powerpoint presentation of National Consumer Law Center, Electronic Privacy Information Center, Consumer Reports, National Consumers League, Public Knowledge, UnidosUS. and U.S. PIRG to the FCC on the scope and impact of scam robocalls and proposed regulatory fixes to stop the deluge of unwanted calls.

Rental Debt Report - Appendix A

October 5, 2022

Delivering on the Child Tax Credit: Protect Payments from Government Offset

October 5, 2022

Congress is working to extend its historic improvements to the Child Tax Credit that will slash child poverty. Congress made significant improvements to the Child Tax Credit (CTC) for 2021 that are projected to cut child poverty by more than 40%. Legislation to extend these improvements is currently being considered as part of the reconciliation…

Group Letter to Secretary Yellen Regarding CTC and EITC Protection from Offset

October 5, 2022

The undersigned 105 organizations, focus on promoting the well-being of children and families, financial security of low-income families, reduction of poverty and inequality, and protection of taxpayer rights. We write to express our concern that the Treasury Department’s practice of reducing or eliminating payments made in tax refunds to low-income families undermines the social safety…

Joint Coalition Comments on the CFPB's Inquiry into Buy Now, Pay Later Credit Products

October 5, 2022

The undersigned 77 consumer, housing, civil rights, legal services, faith, community, small business, student borrower, and public interest organizations appreciate the opportunity to comment on the CFPB’s inquiry into Buy Now, Pay Later (BNPL) credit products that are proliferating across market areas. We welcome the CFPB’s recent inquiry into Affirm, Afterpay, Klarna, PayPal, and Zip,…

Longer Comment Regarding the CFPB’s Inquiry into Buy-Now-Pay-Later Providers

October 5, 2022

In response to the Request for Comments issued by the Consumer Financial Protection Bureau, Center for Responsible Lending, National Consumer Law Center (on behalf of its low-income clients), and Consumer Federation of America offer our joint recommendations for further guidance and monitoring of the growing BNPL market overall, which are specific to the “pay-in-four” model.…

Coalition Letter to Department of Education Regarding the Creation of an IDR Restoration Project

October 5, 2022

The undersigned 116 organizations representing students, student loan borrowers, teachers, workers, civil rights, veterans, people of faith, and consumers write to urge you to deliver on thepromise of income-driven repayment (IDR) programs for federal student loan borrowers throughthe creation of an IDR restoration project. An explosive NPR investigative report revealed that even when borrowers are…

Comments to Federal Reserve Board Regarding Guidelines for Evaluating Account and Service Requests

October 5, 2022

The Center for Responsible Lending, National Community Reinvestment Coalition, the National Consumer Law Center, on behalf of its low-income clients, and Arthur E. Wilmarth, Jr., Professor Emeritus of Law at George Washington University Law School appreciate the opportunity to comment on the Board of Governors of the Federal Reserve System’s (the Board) supplemental notice and…

How to Opt-Out of a Forced Arbitration Clause

October 5, 2022

What is forced arbitration? Forced arbitration clauses are hidden in the fine print of agreements. They take away your access to the courts and give companies that violate the law a get-out-of-jail-free card. Ifyou have a dispute, you cannot file a lawsuit in court and have the case heard in public. You also typically cannot…

All Resources