Legislative Package Includes NCLC Priorities to Address Housing Affordability and Supply, and Improve Access to Financing in Underserved Communities
Read More about Congress Passes 21st Century ROAD to Housing Act
If crypto valuations nosedive or the crypto-collateral is stolen, homeowners may be on the hook for more than just their monthly payments.
Read More about Op-ed: Crypto’s Next Gamble is On Your Mortgage
This letter urges passage of the House housing package, which includes key provisions on appraisal accountability, rural housing loss mitigation, and small dollar mortgage loan pilots.
Read More about Letter to House Leadership on 21st Century ROAD to Housing Vote
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?
Join us virtually for expert-led sessions on need-to-know topics and pressing issues facing vulnerable homeowners in 2026.
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.
Please support NCLC's work to advance consumer rights and economic justice with a tax-deductible contribution today!
Donate
