Credit Reporting & Scores Archives

American Banker: Experts weigh whether CFPB database tweaks help or hurt

February 13, 2026

Appearing in American Banker on Feb. 13, 2026, Kate Berry talks to April Kuehnhoff, senior attorney and Chi Chi Wu, director of consumer reporting and data advocacy at the National Consumer Law Center about the Consumer Financial Protection Bureau’s recent overhaul of its consumer complaint portal, with experts warning that the agency is adding “friction” to the…

American Banker: CFPB warns consumers about filing credit bureau disputes

February 5, 2026

Appearing in American Banker on Feb. 5, 2026, Kate Berry talks to Chi Chi Wu, Director of Consumer Reporting and Data Advocacy at the National Consumer Law Center about the Consumer Financial Protection Bureau’s sudden addition of new requirements to its consumer complaint portal that aim to reduce the number of disputes about inaccurate information on…

USA Today: Credit history is still a barrier to Section 8 tenants

January 15, 2026

Originally appearing in Capital & Main on Jan. 15, 2026, Robin Urevich talks to Chi Chi Wu, director of consumer reporting and data advocacy at the National Consumer Law Center, about how credit history does not predict tenant success. “It’s especially illogical to use credit reports and credit scores [for vetting Section 8 tenants] because…

ICE Has Created a Disaster in Minnesota; The Financial Services Industry Can Help

February 9, 2026

Advocates Call On Lending, Debt Collection, Credit Reporting Companies to Ease Financial Impact on Families

CFPB Takes Steps to Reduce the Number of People Who Seek Help from the Consumer Agency

February 9, 2026

Despite new hurdles, consumers should continue to submit complaints.

Letter Urging Creditors & Credit Bureaus to Help Minnesota Consumers Impacted by ICE Surge

February 9, 2026

This letter from 52 economic justice, civil rights, labor, faith and other groups urges lenders, debt collectors, and credit bureaus to provide economic relief to Minnesotans who have been financially devastated by the overly aggressive surge of militarized activity in that state by ICE. The letter asks these companies, to:

Model Debt Collection Reform Act

January 1, 2013

This model law, the Model Consumer Debt Collection Reform Act, is intended to protect consumers from the most common abuses in the credit and collections industries, restoring balance to an increasingly lopsided system of justice. It is intended to ensure that consumers receive basic protections as creditors pursue collection lawsuits against them. The…

Consumer Financial Protection Bureau Moves to Protect Credit Reporting Companies from Consumers’ Complaints

January 30, 2026

Potential Changes Would Make It Harder for People to Get Credit Reporting Problems Fixed

Model Family Property and Income Protection Act

January 23, 2026

This model legislation provides sample language for state laws to prevent debt collectors from seizing a family’s essential income and property to pay old debts. These laws are generally referred to as exemption laws, as they exempt certain income and assets from seizure after a creditor obtains a court judgment to collect a debt. This…

People, et al. v. Low Credit Rents, et al.

January 12, 2026

Eli Savit, Prosecuting Attorney for Washtenaw County, ex rel. the People of the State of Michigan, and Kaitlin Hall and Kyesha Ford, on behalf of themselves and all others similarly situated, 26-000080-CP (Washtenaw Cty Trial Ct., MI) The class action lawsuit, filed jointly with the Washtenaw County Prosecutor’s Office, seeks relief for Michigan renters who…

Support for Massachusetts Fair Chance in Housing Act

November 19, 2025

NCLC Director of Consumer Reporting and Data Advocacy Chi Chi Wu, submitted testimony in support of a Massachusetts bill to ban the use of credit reports and scores for tenants who have a government rent subsidy.

Bloomberg Law: US Law Overrides State Bans on Medical Debt Reporting, CFPB Says

October 27, 2025

Appearing in Bloomberg Law on Oct. 27, 2025, Evan Weinberger talks to Chi Chi Wu, director of consumer reporting and data advocacy at NCLC, about the Trump administrations claims that the Federal Credit Reporting Act (FCRA) takes precedence over state measures barring medical debt and other items on consumer credit reports. Premium increases could leave…

All

American Banker: Experts weigh whether CFPB database tweaks help or hurt

American Banker: CFPB warns consumers about filing credit bureau disputes

USA Today: Credit history is still a barrier to Section 8 tenants

ICE Has Created a Disaster in Minnesota; The Financial Services Industry Can Help

CFPB Takes Steps to Reduce the Number of People Who Seek Help from the Consumer Agency

Letter Urging Creditors & Credit Bureaus to Help Minnesota Consumers Impacted by ICE Surge

Model Debt Collection Reform Act

Consumer Financial Protection Bureau Moves to Protect Credit Reporting Companies from Consumers’ Complaints

Model Family Property and Income Protection Act

People, et al. v. Low Credit Rents, et al.

Support for Massachusetts Fair Chance in Housing Act

Bloomberg Law: US Law Overrides State Bans on Medical Debt Reporting, CFPB Says

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