These are EPIC and NCLC’s longer detailed comments in respond to the House Financial Services Committee request for feedback on current federal consumer financial data privacy law and potential legislative proposals, including updates to the Gramm Leach Bliley Act (GLBA). The comments urge the House FSC to
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Six national consumer groups submitted comments opposing the FCC’s Direct Final Rule which proposes an expedited procedure that potentially enacts important regulatory changes without providing interested parties and the public with legally required opportunities for comment and judicial redress.
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The National Consumer Law Center, on behalf of its low-income clients, submits this comment in response to the Department of Education’s announcement of intent to establish two negotiated rulemaking committees (RISE and AHEAD) to make changes to federal student aid programs authorized under Title IV of the Higher Education Act (HEA) of 1965, as amended.…
Home Equity “Investment” (HEI) Loans are a relatively new financial product secured by a homeowner’s primary residence. At heart, they are very expensive mortgages with confusing and overly complicated terms. HEI lenders try to evade consumer protections by falsely claiming that their product is not a loan. Courts and lawmakers who have looked at HEI…
To protect homeowners, states can classify HEI loans as mortgages subject to consumer protections, require caps on the maximum repayment amount, and mandate counseling for borrowers.
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The letter urges the agencies to preserve the 2024 regulation prohibiting “disparate impact” discrimination (2023 Disparate Impact Rule), which appropriately ensures that landlords, lenders, and others use the fairest policy available to provide housing and lending opportunities for all. Without any public notice and comment, HUD has sent a “Final Rule” entitled “HUD’s Implementation of…
Read More about Coalition letter to HUD and OMB Opposing Weakening of Disparate Impact Rule
NCLC, on behalf of its low-income clients, writes to urge the Department to renew the Total and Permanent Disability (TPD) discharge data matching agreement with the Social Security Administration (SSA) and to bring to its attention complaints we have received from disabled Americans and their representatives regarding the TPD application process.
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Letter from 45 consumer, economic justice, privacy, and advocacy groups in response to House Financial Services Committee request for feedback on current federal consumer financial data privacy law and potential legislative proposals. The letter urges changes to the Gramm Leach Bliley Act (GLBA) that:
We support HUD’s ongoing commitment to sustainable homeownership. As HUD notes, this mission is consistent with HUD’s core obligation of protecting the Mortgage Mutual Insurance Fund. Importantly, it also aligns with HUD’s statutory duty of “meet[ing] the housing needs of the borrowers that the single family mortgage insurance program under this subchapter is designed to…
Read More about NCLC Comment to HUD on Buy Now Pay Later Products
This sign on letter from the members of the Leadership Conference on Civil and Human Rights Media/Telecom Task Force urges the FCC to not change the National TV Audience Cap which has been set by Congress. The groups also urge the FCC to close the loophole that is technologically incorrect and permits media consolidation in…
Twenty-six advocacy groups submitted a letter urging Congress to defend the data privacy and consumer protections in the Consumer Financial Protection Bureau’s original (CFPB) Personal Financial Data Rights rule and to conduct hearings on the rule.
The Federal Defenders of San Diego and NCLC submitted this amicus brief in support of the Ninth Circuit granting en banc review in United States v. Myers, No. 23-1034, 2025 WL 1300439 (9th Cir. May 6, 2025). Seven other organizations signed on: Family Assistance Program, Fines and Fees Justice Center, Juvenile Law Center, Prison Policy…
