CFPB Sues Experian Over Failure to Remove Errors on Credit Reports
Experian Accused of Improperly Investigating Disputes, Threatening Consumers’ Access to Credit
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Tightening Consumer Protections: Don’t Let Credit Blemishes Kill Job Opportunities
California was one of the first states to restrict the use of credit reports in employment decisions in 2011, leading at least 10 other states and two large cities to pass similar laws. The CA law, however, has several exceptions that weaken it. That is not unusual for an early adopter, given that state legislatures…
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The Hill: ‘Positive’ medical debt credit reporting is a Trojan horse
In an op-ed appearing in The Hill on November 6, 2024, NCLC senior attorney Chi Chi Wu calls the Reporting Medical Debt Payments as Positive Consumer Credit Information Act of 2024 a “Trojan horse”, with hidden traps and backward steps for consumers. One of the biggest problems with the bill is that it simply doesn’t…
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2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton
Letter from 43 organizations urging CFPB, OCC, FHFA, FHA, and other federal regulators to help protect the credit reports and scores of consumers impacted by natural or declared disasters such as Hurricanes Helene and Milton
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CFPB Personal Financial Data Rights Rule Promotes Competition While Safeguarding Consumer Rights
Rule Serves as Model for Consumer Data Privacy WASHINGTON – Today, the Consumer Financial Protection Bureau (CFPB) issued a comprehensive and protective final Personal Financial Data Rights Rule. Advocates at the National Consumer Law Center (NCLC) strongly support the rule, which implements Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act and…
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2025 Consumer Protection Federal Priorities
NCLC will pursue common-sense regulatory and legislative reforms to ensure fairness, fight fraud, and protect consumers in 2025.
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Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance
This report covers the ways that financial institutions across the financial services industry serve, or fail to serve, people with limited English proficiency.
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National Public Data Breach Shows Urgent Need for CFPB to Regulate Data Brokers
Advocates advise consumers to freeze their credit reports, urge CFPB to complete its proposed rule to regulate data brokers.
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100+ Groups Support the CFPB’s Removal of Medical Debt From Credit Reports
The proposal would stop credit reporting companies from sharing medical debts with lenders and prohibit lenders from making lending decisions based on medical information.
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NCLC Comments Supporting CFPB Proposal to Ban Medical Debt From Credit Reports
These are NCLC’s detailed comments supporting the CFPB’s Notice of Proposed Rulemaking to ban medical debt from credit reports. The comments discuss the research and evidence to support the proposed rule, including the fact that medical debt disproportionately affects communities of color as well as consumers with disabilities. The comments also analyze why the CFPB…
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NCLC Petition for Rulemaking under the Equal Credit Opportunity Act to Protect Renters
This is a petition urging the CFPB to open a rulemaking under the Equal Credit Opportunity Act (ECOA) to define residential real estate leases as “credit” and landlords as “creditors” under the ECOA for two limited purposes:
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107 Advocacy Groups Comments Supporting CFPB Medical Debt Credit Reporting Ban Proposal
These are comments from 107 consumer, health care, civil rights, faith-based, economic development, legal services, and advocacy organizations supporting the Consumer Financial Protection Bureau’s proposed rule banning medical debt from credit reports. The proposed rule will benefit the 15 million consumers unfairly burdened by medical debt on their credit reports, disproportionately affecting Black and Latino…
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