Mortgage Lending & Access to Homeownership Archives

Group Comments on United States Department of Agriculture - Rural Housing Service Notice of Proposed Amendments

January 24, 2020

Joint Comments to support two of RHS's Proposed chanfed to the direct loan program rules.

Comments to the VA Regarding Revisions to VA-Guaranteed or Insured Cash-Out Home Refinance Loans

February 15, 2019

Comments of the National Consumer Law Center on behalf of its low income clients and National Fair Housing Alliance regarding Revisions to VA-Guaranteed or Insured Cash-Out Home Refinance Loans.

Comments to FHFA Regarding Appraisal-Related Policies, Practices, and Processes

February 26, 2021

Housing advocates describe concerns, provide recommendations for AVMs, explain why appraisals are particularly important to consumers, and respond to questions from the RFI that are most relevant to consumers.

Comments to CFPB on Facilitating the LIBOR Transition by Amending Regulation Z

August 4, 2020

Comments to the Consumer Financial Protection Bureau on Facilitating the LIBOR Transition by Amending Regulation Z by the National Consumer Law Center on behalf of its low income clients with Americans for Financial Reform Education Fund, NAACP, National Community Reinvestment Coalition (NCRC), National Fair Housing Alliance, and Student Borrower Protection Center.

Group Comments on FHA Single Family Model Mortgage Documents

January 30, 2017

Group comments to 60-Day Notice of Proposed Information Collection: FHA Single FamilyModel Mortgage Documents.

Comments to FHFA Regarding Validation and Approval of Credit Score Models

March 21, 2019

Comments of National Consumer Law Center, Atlanta Legal Aid Society, Inc, Connecticut Fair Housing Center, Consumer Action, Demos, Jacksonville Area Legal Aid, Inc, National Association of Consumer Advocates, U.S. PIRG, and World Privacy Forum regarding Validation and Approval of Credit Score Models. The undersigned consumer and advocacy groups are pleased to submit the following commentsin…

Comments to the OCC, FDIC, and Federal Reserve Regarding Real Estate Appraisals

December 7, 2019

These comments address the joint proposal by the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Office of the Comptroller of the Currency (collectively, the agencies”) to raise from $250,000 to $400,000 the threshold at which lenders must obtain an appraisal when originating residential mortgages.

Amicus Brief in the Township of Mount Holly v. Mt. Holly Gardens Citizen in Action

October 28, 2013

Brief of the ACLU, ACLU of New Jersey, National Coalition Against Domestic Violence, National Community Reinvestment Coalition, National Consumer Law Center, National Law Center on Homelessness and Poverty, National Housing Law Project, Public Justice, P.C., and the National Women’s Law Center in support of Respondents.

A Review of the State of and Barriers to Minority Homeownership

May 8, 2019

The National Consumer Law Center strongly supports congressional efforts to regulate predatory land contracts.

Homeownership & Foreclosure

NCLC Digital Library: Advising Clients When an Abusive Partner Coerces Debt

This NCLC Digital Library article provides practice tips for advising clients with debt incurred by an abusive partner through coercion and fraud. While this article focuses on coercion by abusive partners, similar advice may be appropriate for elder abuse, abuse suffered by persons with disabilities who rely on a caretaker for day-to-day needs, victimization involving…

Advocates Applaud Federal Housing Finance Agency’s Move to Require Mortgage Lenders to Obtain Applicants’ Language Preference

May 3, 2022

May 3, 2022 Use of the Supplementary Consumer Information Form (SCIF) will enable effective communication between borrower and lender throughout the home buying process. WASHINGTON – Today, National Consumer Law Center, Americans for Financial Reform, Consumer Action, Empire Justice Center, National Community Stabilization Trust, National Fair Housing Alliance, UnidosUS, and National CAPACD applauded the Federal…

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