Comments to HUD's Proposed Note Sale Rule
We support the important protections HUD has put into place to help avoid unnecessary foreclosures for loans that may be sold in bulk sales of FHA-insured loans.
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Comments on HUD's Handbook for Modernization of Engagement with Borrowers in Default
This letter responds to HUD’s proposed policy updates regarding meetings with borrowers in default in connection with its revision of 24 CFR 203.604.
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"What the Heck, Dude!": How States Can Fight Rental Housing Junk Fees
This companion report to Too Damn High focuses on steps that state and local governments and advocates can take to address junk fees.
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Comments Regarding Expansion of Fedwire Funds Service and National Settlement Service Operating Hours
The Federal Reserve Board proposes to expand the operating hours for the National Settlement Service (NSS) and the Fedwire Funds Service (Fedwire). NCLC supports the proposed rule to expand the operating hours of the NSS, but urge the Federal Reserve Board to take additional measures to address and prevent fraud occurring via Fedwire before expanding…
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Environmental Justice and Civil Rights Advocates’ Response to Petition For Rulemaking to Rescind EPA’s Title VI Disparate Impact Regulations
The National Consumer Law Center (on behalf of its low-income clients), along with a coalition of over 45 environmental justice and civil rights organizations, submitted a letter to the Environmental Protection Agency (EPA), calling on the agency to reject a petition filed by Republican attorneys general which would rescind vital Title VI protections. The letter…
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Medical Debt Behind Bars: The Punishing Impact of Copays, Fees, and Other Carceral Medical Debt
This National Consumer Law Center (NCLC) report provides an overview of the carceral medical debt problem and policy recommendations and solutions to address the issue. The report provides background on the nature of carceral medical debt, including the complex healthcare needs of people who are incarcerated, what fees are assessed and why, how these fees…
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What the Heck, Dude! New Report Focuses on How States Can Fight Rental Housing Junk Fees
Report discusses state and local laws addressing rental housing junk fees and provides recommendations to protect renters.
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Comments on FinCEN's Proposed Rule on Anti-Money Laundering and Countering the Financing of Terrorism Programs
NCLC supports FinCEN’s efforts to strengthen and modernize the anti-money laundering and countering the financing of terrorism (AML/CFT) program requirements for financial institutions, but urges FinCEN to do more.
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NCLC, CRL & CFA Comments in Support of CFPB’s Proposed Interpretive Rule on Earned Wage Advances
These joint comments support an interpretive rule proposed by the CFPB that would clarify that earned wage advance products are credit transactions.
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NCLER Tip Sheet: Nursing Home Debt Collection: Issues and Defense
This tip sheet for advocates was created to accompany a webinar hosted by the National Center on Law & Elder Rights on nursing home debt collection against residents, family members, and other third parties. While most older adults rely on Medicare and Medicaid to help pay for their care, these programs often come with significant…
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Group Letter to Sec. Cardona Requesting Extension of Borrower Protections in Light of SAVE Litigation
This group letter urges the Department of Education to take action to protect federal student loan borrowers from harm caused by the SAVE litigation’s large-scale disruption of the student loan repayment system, which has led to a temporary removal of online repayment plan applications and an extended pause in processing applications to consolidate loans or…
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Consumer Groups to CFPB—Please Act to Reduce Junk Fees in International Remittances
Consumer groups urge the CFPB to take meaningful actions to reduce and eliminate unnecessary fees, or junk fees, in remittance transactions: curtail the use of hidden markups, eliminate the exceptions allowed for third-party fees, and reduce the exemptions for compliance my the majority of depository institutions added in 2020.
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