Resources Archive

Letter to HUD Regarding Revised FHA Servicing Defect Taxonomy Proposal

October 11, 2022

The Housing Policy Council and the National Consumer Law Center write to provide a joint update on the groups’ recommendations regarding the Servicing Defect Taxonomy that FHA is developing. Since submitting initial recommendations, HPC and NCLC have worked closely together in an effort to reach alignment on a number of issues where those previous recommendations…

Group Letter on the Implementation of Joint Consolidation Separation Act

October 12, 2022

Group Letter to the Secretary of of Education re: Implementation Following the Congressional Passage of S. 1098, the Joint Consolidation Separation Act

Who Supports Overturning the OCC's “Fake Lender” Rule?

May 3, 2021

Across party lines, state attorneys general, banking regulators, credit unions, academic scholars, statelegislators, faith leaders, and civil rights, consumer, disability rights, housing, labor, legal services, seniorrights, small business, and veterans organizations agree that a bank’s mere name on a piece of paper should not allow predatory lenders to hide behind a fake lender in order…

Consumer Complaints about Debt Collection: Analysis of Unpublished Data from the FTC

February 12, 2019

EXECUTIVE SUMMARY Every year the Federal Trade Commission (FTC) collects consumer complaints through its Consumer Sentinel Network (CSN). In 2017, there were 620,800 complaints about debt collection – making it the most common type of consumer complaint compiled in the FTC’s CSN Data Book. Yet, relatively little data about these debt collection complaints is published.…

The FCC's Emergency Broadband Benefit Program

May 11, 2021

The COVID-19 pandemic has revealed a harsh reality for low-income consumers, particularly in communities of color—broadband internet is essential but unaffordable. To help families and households struggling to affordbroadband internet service, the Federal Communications Commission (FCC) launched the Emergency Broadband Benefit Program (EBB), a temporary program to address a digital divide exacerbated by the COVID-19…

Coalition Letter in Support of H.R. 2547, the “Comprehensive Debt Collection Improvement Act”

May 13, 2021

The 88 undersigned public interest, legal services, consumer, labor, and civil rights organizations write in support of HR 2547 and urge Congress to support HR 2547 when it comes up for a vote on May 13th. Enactment of H.R. 2547 will protect vulnerable consumers from abusive debt collection practices, and we thank the House of…

Coalition Letter Supporting Petition to Amend Total & Permanent Disability Regulations

June 12, 2021

On behalf of a diverse coalition of organizations that work to protect the rights of individuals with disabilities, student loan borrowers, consumers and veterans, we write to Secretary of Education Miguel Cardona to ensure that borrowers with disabilities receive the protections and relief they are entitled to under the Higher Education Act. The U.S. Department…

Group Letter to the Biden Administration Urging Quick Nomination of a 5th FCC Commissioner

June 11, 2021

The undersigned organizations write to convey the rapidly growing urgency to nominate a fifth commissioner to ensure a fully functional Federal Communications Commission. We recognize the pressing and time-consuming challenges this administration has faced since its earliest days, combating the public health and economic crises caused by a historic pandemic. We also commend the administration…

Coalition Letter to President Biden Urging Extension of the Student Loan Payment Pause

June 24, 2021

The undersigned 128 organizations representing millions of millions of students, student loan borrowers, workers, people of color, veterans, people with disabilities, people of faith, consumers, and many others, write to urge President Biden to extend the pause on student loan payments until his administration has delivered on the promises made to student loan borrowers to…

Unfair Debts With No Way Out: Consumers Share Their Experiences With Rental Debt Collectors

October 7, 2022

This report discusses common problems faced by consumers experiencing debt collection for alleged rental debts as reported to the CFPB. It concludes with suggested actions to assist consumers with alleged rental debts.

Coalition letter opposing H.R. 435, Credit Access and Inclusion Act

December 8, 2017

The undersigned associations, consumer, civil rights and advocacy groups wrote to express opposition to H.R. 435. This legislation, if enacted, would reduce consumers’ control over their own data by preempting state and federal privacy protections, damage the credit scores of millions of consumers with a disproportionate impact on African Americans, and conflict with long-standing state…

Restoring the Promise of Income-Driven Repayment: An IDR Waiver Program Proposal

January 11, 2022

By the Center for Responsible Lending, Student Borrower Protection Center, and NCLC ‘s Student Loan Borrower Assistance Even before the COVID-19 pandemic and recession, student loan borrowers struggled under the weight of more than $1.6 trillion in debt. One in four borrowers was in default or serious delinquency, and many more struggled to make student…

All Resources