Resources Archive

Coalition Letter to the CFPB Regarding "Zombie" Second Mortgages

September 27, 2022

On behalf of the low-income clients and communities we represent, the undersigned organizations urge the Bureau to take swift action against the loan holders, debt collectors, and mortgage servicers that are violating the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Procedures Act(RESPA) and the Truth in Lending Act (TILA) in their handling…

Testimony: Protecting Students and Taxpayers - Improving the Closed School Discharge Process

October 21, 2021

Supplemental Testimony of Robyn Smith, Legal Aid Foundation of Los Angeles and National Consumer Law Center, Before the U.S. House of Representatives Subcommittee on Higher Education and Workforce Investment regarding “Protecting Students and Taxpayers: Improving the Closed School Discharge Process”.

Letter Asking for Rulemaking to Ban Medical Debt from Credit Reports

September 26, 2022

Letter from 91 Organizations to CFPB Director Rohit Chopra Asking for Rulemaking to Ban Medical Debt from Credit Reports.

Model Foreclosure Mediation/Diversion Statute

Non Judicial Foreclosure State

Model Foreclosure Mediation/Diversion Statute

Judicial Foreclosure State

Supplemental Comments to the Federal Reserve Regarding the LIBOR Act

September 19, 2022

00-AG34 submitted by the Structured Finance Association and the National Consumer Law Center (on behalf of our low-income clients).

WAAT: Accountability and Participation in Decision Making

Advocates seeking to improve water affordability can work within current decision-making structures to influence rates, policies, and programs. They can also work to change the decision-making structure to improve their ability to effect change and hold decision makers accountable.

WAAT: Debt Collection and Transparency

The fight for policies and programs that ensure affordable access to water and sewer service begins with access to critical data held by utilities.

WAAT: Water Efficiency and Plumbing Repair Assistance

Nearly everywhere, the more water you use, the more you pay on your water bill. Anything that helps improve water use efficiency (that is, conserve water) in the home can reduce water bills. It can also reduce wastewater bills if you live in a community where sewer fees are based on the amount of water…

WAAT: Equitable Water Rates

People often think of utility rates as a function of the total amount of money the utility needs in order to cover its operating costs, capital costs, and, for investor-owned utilities, its profit margin. The more a utility spends to produce clean water and treat wastewater, the higher the rates will be—at least without funding…

WAAT: Affordability and Assistance Programs

Relatively few water or sewer utilities offer bill affordability or assistance programs to help households afford their monthly water bills. If adequately funded and thoughtfully designed, however, such programs can play a critical role enabling low-income households to pay their bills and stay connected to essentialwater service.

WAAT: Protections and Support for Renters

September 21, 2022

Many lower-income households do not receive a water or sewer bill from a utility, even though they receive home water and sewer service. These are mostly renters, whose landlords are the direct customer of the utility.

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