This webinar will provide an overview of the basics of the Fair Credit Reporting Act.
Watch the Recording Read More about Consumer Law Basics: Fair Credit Reporting Act & Tenant Screening
New guidance addresses inaccurate background check reports and sloppy practices in providing workers and renters with copies of their reports.
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…
Read More about Letter from 60 Groups: Do Not Delay FCRA Rulemaking
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…
Read More about The Hill: For mortgage applications, two credit reports are better than three
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…
Read More about Comments to CFPB's Outline of Proposals for FCRA Rulemaking
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…
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…
Read More about The New York Times: Consumer Agency Moves to Ban Medical Debt From Credit Reports
Appearing in NPR on September 21, 2023, Noam Levey talks to Chi Chi Wu about a Kaiser Family Fund Health News/NPR investigation into medical debt and the burden is places on about 100 million people. “Negative credit reporting is one of the biggest pain points for patients with medical debt. When we hear from consumers…
Read More about NPR: Medical debt could soon be barred from ruining your credit score
Coalition letter asking asking CFPB, OCC, FHFA, FHA, and other federal regulators to encourage lenders to refrain from reporting negative information to the Big Three credit bureaus for consumers impacted by the Maui wildfires and Hurricane Idalia, or at a minimum, to follow the credit reporting provisions of the CARES Act for these consumers.
This article discusses common issues involving criminal record reporting and tenant screening that may give rise to claims under the FCRA, and it provides practical guidance for obtaining relief.
Read More about Digital Library: FCRA Remedies When Criminal Records Lead to Rental Denials
A new report from the National Consumer Law Center explains that the screening process is riddled with errors and bias that disproportionately harms Black and Latino/Hispanic renters.
Read More about New Report Examines How Abuse and Bias in Tenant Screening Harm Renters
Landlords in the United States almost always engage in some form of screening of rental applicants. This screening often involves reports or scores purchased from specialized tenant screening consumer reporting agencies (CRAs). The reports typically combine information about eviction filings, criminal records, and credit history. Often the reports include a score or recommendation based on these records, and in some cases, this score or recommendation is the only information conveyed to the landlord.
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