Comments on FHA Defect Taxonomy
NCLC submitted comments on HUD’s revised version of the Defect Taxonomy, which is a document that will be used when HUD assesses servicer compliance with FHA-insured rules.
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Amicus Brief: Missouri v. Biden (8th Cir.) (Brief in Support of Student Loan IDR Rules)
NCLC wrote and submitted this amicus brief to the U.S. Court of Appeals for the Eighth Circuit in Missouri v. Biden. In this case, Missouri and several other states have challenged the U.S. Department of Education’s 2023 rules governing income-driven repayment, including the SAVE plan. This amicus brief offers NCLC’s student loan law expertise to…
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Amicus Brief: Lackey v. Stinnie
NCLC joined in an amicus brief authored by the Lawyers Committee for Civil Rights Under Law regarding the definition of “prevailing party” in civil rights cases where a preliminary injunction is obtained and the case is subsequently mooted out by a legislative fix. The outcome of this case will impact the ability of civil rights…
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Comment on Form EIA-112: Residential Utility Disconnections Survey
NCLC and partner organizations submitted a comment to the U.S. Department of Energy/Energy Information Administration (EIA) supporting the EIA proposal to require certain electric and gas utilities to report and make public monthly residential service disconnections data. To support racial justice objectives, NCLC and commenters recommended that disconnections data be reported at the zip code…
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Comments to the Department of Treasury on Use of Artificial Intelligence in Financial Services
Use of artificial intelligence in financial services has the potential to reduce costs, increase efficiency in the underwriting process, detect fraud, and improve customer relations. However, the use of complex, opaque algorithmic models in consumer credit and banking transactions also heightens the risk of unlawful discrimination, and unfair, deceptive, and abusive practices.
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Myths and Facts About Ways to Increase Small Dollar Mortgage Lending
In this issue brief, we debunk certain myths about the barriers to small-dollar mortgage lending and set out recommendations for meaningful progress.
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Letter from 31 Public Interest Organizations to the FCC in Support of Opening a Rulemaking on Bulk Billing of Internet Service
The FCC has not yet voted on opening a notice of proposed rulemaking (NPRM) regarding bulk billing of internet service in multi-tenant environments. There was a press release that the FCC was going to issue an NRPM that proposed providing tenants with the ability to opt-out of a bulk billing arrangement. Without this ability, tenants…
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Letter Urging OCC to Rescind Preemption Regulations
NCLC, joined by several consumer organizations, sent a letter urging the Office of the Comptroller of the Currency (OCC) to immediately rescind the OCC’s rules, interpretations, bulletins and opinions preempting state consumer financial laws, as they are not in compliance with the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 or the Supreme…
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Texas Comment Letter to FEMA on Equity Interim Final Rule
This comment provides input a wide range of FEMA policies that could increase equitable access to disaster relief for the hardest hit disaster survivors, including the need to improve procedures for heirs property owners and others with non-traditional homeownership.
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Amicus Brief to 11th Circuit Support FCC's One-to-One Consent Rule for Prerecorded Telemarketing Calls
This amicus brief is in support of the FCC's Dec. 2023 regulations strengthening requirements for prior express consent for prerecorded telemarketing calls.
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Coalition Letter to FHFA on Federal Home Loan Bank Reform
The Coalition for Federal Home Loan Bank Reform (CFR) and allies applaud FHFA’s efforts to update the mission of the Federal Home Loan Banks to ensure that FHL Banks are more involved in meeting today’s housing crisis and unmet community development needs.
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Captive Concerns: Incarcerated People Face Obstacles to Reporting Consumer Abuses
Consumer protection laws apply to incarcerated people. But because of incarcerated people’s limited and highly regulated contact with the outside world, they struggle to report consumer problems such as identity theft and fraud, as well as abusive practices perpetrated by the private companies that they must rely on for essential services and goods within correctional…
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