This letter urges the House and Senate committees to do oversight hearings of the Federal Housing Finance Agency and catalogues the long list of actions the agency has taken in the last year that have undermined this agency’s independence and effectiveness, and have made our nation’s housing affordability crisis worse.
Appearing in The New York Times on March, 21, 2026, Jill Terreri Ramos talks to Sarah B. Mancini, managing director of advocacy at NCLC, about how renting a home until you have enough money to buy it might look like an attractive option, but there are traps everywhere. “Tenants in a lease-option may spend more…
Read More about The New York Times: What’s the Deal With Rent-to-Buy Home Contracts?
Virtual | July 14 – 17, 2026 Pre-Conference Affirmative Litigation Skills in Mortgage Cases Intensive: July 13, 2026 Join us virtually for expert-led sessions on need-to-know topics and pressing issues facing vulnerable homeowners in 2026. The 2026 Virtual Mortgage Conference kicks off on Monday, July 13, with a one-day Pre-Conference Intensive focused on Affirmative Litigation…
The proposed rule, which seeks to eliminate the Department of Housing and Urban Development’s (HUD) disparate impact regulation, will significantly undermine HUD’s enforcement of the Fair Housing Act’s protections against unlawful discrimination, and make it easier for lenders, landlords and other housing providers to evade the law. Victims of discrimination and the advocates and fair…
Read More about Comments to HUD on Their Disparate Impact Proposed Rule
Bank Regulator Should Abandon Plan to Let Banks Keep Interest on Homeowners’ Escrow Accounts
Read More about Proposal Would Allow Banks to Charge Homeowners Hidden Fees and Override State Laws
On December 30, 2025, the Office of the Comptroller of the Currency (OCC) requested comment on two proposals: a new rule regarding mortgage escrow accounts, and a determination that federal law preempts state laws requiring banks to pay interest on mortgage escrow accounts. The National Consumer Law Center submitted comments on both proposals on behalf…
Proposed Rule Change Would Condone Discrimination in Housing
Read More about As MLK Day Approaches, HUD Takes Steps to Reduce Access to Housing
Kim Robinson, Bradley Skougard, Desiree Skougard, Tammy Santorii, Arthur Whitney, Michelle Hinds, and Bradley Hinds, on behalf of themselves and all others similarly situated v. D.R. Horton, Inc., & DHI Mortgage Company, Ltd., 6:25-cv-01904 (D. Nev.) This class action lawsuit seeks nationwide relief from a deceptive home-selling and financing scheme employed by D.R. Horton Inc.,…
Read More about Robinson et al v. D.R. Horton, Inc., and DHI Mortgage Company, Ltd.
The time has come for policymakers to protect homeowners from the risks this product poses and those who may abuse it. HEI loans are really just another form of mortgage and should be regulated like other forms of mortgage credit.
FHFA’s proposed 2026-2028 Enterprise Housing Goals will take away affordable mortgages for up to 177,000 lower- to moderate-income families over the next three years, worsening the housing affordability crisis and fueling deeper racial and socioeconomic inequalities in who can access credit and become a first-time homeowner.
Frankie Santiago, Nicole Nerohna, Joseph Neronha, Maria Neronha & Onny Jules, on behalf of themselves and all others similarly situated v. D.R. Horton, Inc., & DHI Mortgage Company, Ltd., 6:25-cv-01904 (M.D. Fla.) This class action lawsuit seeks relief from a deceptive home-selling and financing scheme employed by D.R. Horton Inc., the nation’s largest homebuilding company,…
Read More about Santiago v. D.R. Horton, Inc., and DHI Mortgage Company, Ltd.
Lawsuit Seeks Relief for Bait-and-Switch Practices That Hid the True Costs of Homes from First-Time Buyers
Read More about Homeowners Sue D.R. Horton Over Deceptive Home Sales & Financing Scheme
