Mortgage Lending & Access to Homeownership Archives

Coalition letter to HUD and OMB Opposing Weakening of Disparate Impact Rule

September 2, 2025

The letter urges the agencies to preserve the 2024 regulation prohibiting “disparate impact” discrimination (2023 Disparate Impact Rule), which appropriately ensures that landlords, lenders, and others use the fairest policy available to provide housing and lending opportunities for all. Without any public notice and comment, HUD has sent a “Final Rule” entitled “HUD’s Implementation of…

Letter to FHFA on Cryptocurrency in Mortgage Lending

August 14, 2025

The National Consumer Law Center (on behalf of its low-income clients) and Consumer Federation of America, in a letter to Federal Housing Finance Agency Director William Pulte, strongly oppose the inclusion of crypto assets in the underwriting of federally insured mortgages. This proposal will expose taxpayers to increased risk of losses, open the door to…

Congress Cracks Down on Spam Offers Targeting Homebuyers

August 5, 2025

Consumer Advocates Celebrate Sen. Reed’s Homebuyers Privacy Protection Act, Ending the Sale of Prospective Homebuyers’ Contact Information.

Bill Makes Strides Toward Sustainable Homeownership

July 29, 2025

NCLC advocates urge further progress and support for struggling homeowners

Recommendations for Improving Conn. S.B. 1257, Regarding Home Equity Investment Loans

May 19, 2025

S.B. 1257 requires important disclosures for home equity investment loans, but it omits several important protections. This letter explains NCLC’s recommendations for better protecting consumers.

Written Testimony to Maine Legislature Joint Standing Committee on Taxation in Support of LD 1901

May 14, 2025

NCLC supports the passages of LD 1901, An Act to Regulate Shared Appreciation Agreements Relating to Residential Property that provides necessary boundaries around Shared Appreciation Agreements, a complex financial product that is often marketed without clear disclosure or regard for long-term impacts on homeowners. It ensures transparency, fairness, and accountability—especially for vulnerable consumers.

Massachusetts H.1106 Will Legalize Hiding Dangerous Mortgage Terms

November 21, 2025

This is a Fact Sheet in opposition to MA S.705 & H.1106: An Act relative to home investments. This is an industry bill that is being run across the country that defines shared appreciation agreements as not being residential mortgage loans, thus exempting them from federal and state mortgage lending rules and protections.

Presidential Action Enables Discrimination in Housing and Lending

April 25, 2025

The government will now only address illegal discrimination in the rare instances when the bad actor is caught red-handed.

NCLC Digital Library Toolbox Webinar: Housing Topics

April 15, 2025

NCLC experts and authors Sarah Mancini and Andrea Bopp Stark walk through the NCLC Digital Library Housing Toolbox—a powerful resource designed to help you tackle some of the most complicated and urgent housing law challenges including zombie second mortgages, tangled titles, and mortgage servicing pleadings. Navigate the NCLC Digital Library’s vast collection of legal tools…

Watch Recording Read More about NCLC Digital Library Toolbox Webinar: Housing Topics

NCLC/CRL Statement for the Record

March 7, 2025

The document is the NCLC/CRL Statement for the Record for the March 11, 2025 Subcommittee on Economic Opportunity Legislative Hearing.

Letter for the Record: Subcommittee on Housing and Insurance, U.S. House Financial Services Committee, Hearing: "Building Our Future: Increasing Housing Supply in America."

March 1, 2025

The lack of housing supply is a significant issue and presents a barrier to homeownership. However, housing supply is only one half of the housing crisis problem; the other half is affordability. Homeownership rates will not increase, no matter how many new homes are built, if these homes are too expensive for consumers to purchase.…

Testimony Against Washington State HESA Bill HB 1464

February 14, 2025

Washington State HB 1464 regarding home equity sharing agreements will expose Washington homeowners to a dangerous loan product. The bill lacks adequate protections and codifies the deceptive claim that these products are not loans. NCLC urges legislators to oppose it.

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