The comments, submitted by CRL and NCLC, support FHA’s proposed Reinstatement Advance Payment (RAP) pilot because it will improve the borrower experience with Partial Claims, a key tool for assisting borrowers who fall behind on their mortgages.
Read More about Draft Mortgage Letter (Draft ML), Reinstatement Advance Payment (RAP)
The undersigned civil rights, housing, and consumer advocacy organizations write to raise significant concerns regarding artificial intelligence (AI) test projects authorized under section 10509 of the CLARITY Act (H.R. 3633). If AI is deployed, it must be deployed responsibly and without discrimination in all sectors, including financial services. We are deeply concerned about the current…
The Consumer Financial Protection Accountability and Reform Act of 2026, as currently drafted, would complete the attack on the CFPB already underway to devastating effect. Americans for Financial Reform, the National Consumer Law Center, on behalf of its low-income clients, the National Community Reinvestment Coalition, the National Fair Housing Alliance, the National Association of Consumer…
NCLC submitted comments supporting and urging additional protections for proposed New York regulations implementing the Buy Now Pay Later Act.
Read More about Comments on New York Buy Now, Pay Later Proposed Regulations
Amicus submitted by NCLC and the Center for Responsible Lending in a United States District Court case in Oregon: NAIB v. O’Day (Case No.: 6-26-cv-01201-AA)
NCLC argues that the FCC’s regulation requireing prior express written consent for telemarketing robocalls is valid and enforceable. The rule was properly enacted under the authority Congress delegated to the FCC in the Telephone Consumer Protection Act, ancillary authority, and the Do-Not-Call Implementation Act.
NCLC is among 118 undersigned consumer, civil rights, and community organizations that urged Congress to defend and strengthen interest rate limits and transparency to address the affordability crisis by: ● Insisting that the Trump Administration deny applications from Enova and OppFi, lenders that charge annual interest rates of 100% APR and higher, to become national…
Read More about Letter Opposing Predatory Bank Loans and HR 7866, Supporting Rate Caps
As utility bills continue to rise, policymakers must address the ongoing energy affordability crisis in Georgia.
Read More about What Georgia Can Do to Improve Energy Affordability
As utility costs rise around the country, states must act quickly to adopt best practices for utility affordability. This issue brief provides a range of policies that can keep families connected to essential utility service and help maintain affordable home energy.
Read More about Lowering Household Utility Costs: A Policy Roadmap for State Action
This comment letter from 79 groups calls on the Office of Management and Budget to reject HUD’s redesigned housing discrimination complaint form, which would end the agency’s practice of accepting complaints in languages other than English, including for violations related to housing-related domestic violence complaints. The comment argues that the changes violate the Fair Housing…
This letter urges Congress to reject H.R. 7886 (Davidson), American Lending Fairness Act. States currently have the right to opt out of the federal law (the Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDMCA) that allows state-chartered banks to ignore rate limits outside their home state. Many predatory nonbank lenders use “rent-a-bank” schemes…
Read More about Letter in Opposition to H.R. 7866 (Davidson), the American Lending Fairness Act
Passing a family home to the next generation is one of the surest ways to create financial stability and generational wealth. But when the next generation doesn’t have clear title to the home or land, families face significant barriers to retain ownership of “heirs property”—property that passes from one generation to the next without a…
Read More about Clearing a Path: How Heirship Affidavits Help Families Document Inherited Property
