NCLC’s Chi Chi Wu Testifies in Opposition to Legislation that Dramatically Reduces Accountability for Credit Bureaus
This NCLC testimony oppose 4 bills discussed at a hearing entitled “Promoting Access to Credit for Everyday Americans”. The bills are giveaways to the Big Three credit bureaus, touted as helping consumers but actually benefiting industry while harming everyday people. H.R. 5775, the FCRA Liability Harmonization Act, would dramatically reduce accountability for credit bureaus and…
Treasury’s System of Records Notice Proposal Would Enable Dramatically Increased Government Collection and Sharing of Sensitive Personal Data
Read More about Trump Administration Embarks on Unwarranted Invasion of Privacy
On behalf of the clients and communities we represent, wrote to strongly oppose theDepartment of Treasury system of records notice (“SORN”) published on February 4, 2026. Because it is overbroad and imprecise, the SORN represents a significant and unwarrantedinvasion of individual privacy by the federal government. This baseless violation of privacywould extend even to individuals…
Read More about Letter to Treasury Regarding the Privacy Act; System of Records Notice (SORN)
This NCLC comment expresses strong opposition to changes proposed by the Consumer Data Industry Association (CDIA) that would throttle the number of complaints filed with the CFPB against the three Big Three credit bureaus (Experian, Equifax and TransUnion). The comments object to the CFPB’s action in already adopting one of the changes demanded by CDIA,…
These are comments to the California Dept of Financial Protection and Innovation (DFPI) in response to its request for comments on a potential rulemaking to regulate consumer reporting agencies.
Read More about Comments to the California DFPI: Regulate Credit Bureaus
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…
Read More about American Banker: CFPB warns consumers about filing credit bureau disputes
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…
Read More about USA Today: Credit history is still a barrier to Section 8 tenants
Advocates Call On Lending, Debt Collection, Credit Reporting Companies to Ease Financial Impact on Families
Read More about ICE Has Created a Disaster in Minnesota; The Financial Services Industry Can Help
Despite new hurdles, consumers should continue to submit complaints.
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