Digital Library: Supreme Court says Federal Agencies Can be Sued Under Fair Credit Reporting Act
A new NCLC Digital Library article looks at widespread implications for consumers using the FCRA to recover damages from federal agencies.
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The New York Times: More Tenants Can Now Add Rent Payments to Their Credit Score
Appearing in The New York Times on Jan. 26, 2024, Ann Carrns talks to Ariel Nelson, staff attorney at NCLC about how renters can increasingly choose to have their timely monthly payments reported to the credit bureaus, with the goal of improving their credit profile to qualify for loans. Consumers should be cautious, said Nelson.…
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American Banker Letter to the Editor: Banning medical debt from credit reports will benefit everyone
Appearing in American Banker on Jan. 23, 2024, a letter to the editor by NCLC Senior Attorney Chi Chi Wu takes on claims the Consumer Financial Protection Bureau (CFPB) is overstepping its authority by banning medical debt from credit reports. “Banning medical debts from credit reports will allow consumers to access credit more affordably, qualify…
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Digital Library: Two New CFPB Advisory Opinions Facilitate Private FCRA Litigation
Effective January 23, 2024, two new CFPB advisory opinions clarify several critical Fair Credit Reporting Act (FCRA) issues and should facilitate private FCRA litigation. The first addresses accuracy issues in background check reports used by most employers and landlords. The second addresses problems consumers face when seeking complete disclosure of their credit reports. A new…
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Credit, Debt, and Foreclosure - Consumer Law Basics
This free, four-part consumer debt program provided the knowledge attorneys need to assist low-to-moderate-income clients.
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Consumer Law Basics: Fair Credit Reporting Act & Tenant Screening
This webinar will provide an overview of the basics of the Fair Credit Reporting Act.
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CFPB Takes Aim at Misleading, Incomplete, and Old Information in Background Check Reports
New guidance addresses inaccurate background check reports and sloppy practices in providing workers and renters with copies of their reports.
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Letter from 60 Groups: Do Not Delay FCRA Rulemaking
NCLC submitted a letter, along with 60 consumer, civil rights, health care, and advocacy organizations, urging CFPB Director Chopra not to delay the CFPB’s planned FCRA rulemaking. This letter responds to a November 17, 2023 letter sent by 15 industry trade organizations urging Director Chopra to slow down the FCRA rulemaking by issuing an Advanced…
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The Hill: For mortgage applications, two credit reports are better than three
In an op-ed originally appearing on Nov. 8, 2023, in The Hill, NCLC Senior Attorney Chi Chi Wu discusses how the Big Three credit bureaus are trying to convince policymakers that forcing consumers to purchase three credit reports and six scores to get approved for a mortgage is somehow better for consumers than only requiring…
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Comments to CFPB's Outline of Proposals for FCRA Rulemaking
The CFPB has issued an outline of proposals for a rulemaking under the Fair Credit Reporting Act (FCRA) regarding data brokers, credit reporting disputes, and medical debt on credit reports. In general, we support the CFPB’s proposals. The CFPB’s proposals will protect consumers from the significant harms of data broker practices, such as selling sensitive…
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The New York Times: TransUnion Failed to Quickly Place or Remove Freezes on Credit Reports
Originally appearing in The New York Times on October 27, 2023, Ann Carrns looks at the practice of freezing your credit report, long regarded as one of the best steps to take to make sure identity thieves cannot obtain loans or credit cards in your name, and talks to NCLC senior attorney Chi Chi Wu…
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The New York Times: Consumer Agency Moves to Ban Medical Debt From Credit Reports
Appearing in The New York Times on September 29, 2023, Ann Carrns talks to Chi Chi Wu about how people struggling with unpaid medical bills may soon have that debt erased from their credit reports. If you lack health insurance, check to see if you qualify for coverage under Medicaid, the federal-state health program for…
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