Comments Comments to the Commonwealth of Massachusetts Office of the Attorney General regarding Mortgage Lenders and Mortgage Brokers, June 28, 2007 Comments: HUD Opinion Will Cost Homeowners Millions in Kickbacks, October 2001 Letters Coalition Letter opposing a proposal (HR 6254) to relax FHA’s certification rules to permit more mortgage brokers instant access to the FHA [...]

HAMP Supplemental Directives Testimony of Alys Cohen before the Senate Banking Committee re: Helping Homeowners Harmed by Foreclosures: Ensuring Accountability and Transparency in Foreclosure Reviews and Press Release, Dec. 13, 2011; Response to Questions for the Record from the Senate, January 10, 2012; related press statement, January 7, 2013 Testimony of Diane Thompson Before the [...]

FHA Loans Policy Briefs, Reports and Press Releases Issue brief sent to HUD containing examples of problems with FHA reverse mortgage loss mitigation in the HECM program, Nov. 2016 Press release: FHA Note Sales Should Cease until Homeowners are Fully Protected, July 1, 2016 Press release and Report: HUD’s Sales of FHA-Defaulted Mortgage Loans Benefit the [...]

Policy Analysis Comments to the Federal Trade Commission regarding the Telemarketing Sales Rule Regulatory Review, Nov. 13, 2014 Group letter opposing MA HB 3569 that would allow "unlimited fees" on Massachusetts consumers by for-profit debt-relief firms, Nov . 7, 2013 || Press release Comments on Uniform State Laws (NCCUSL) Uniform Debt Management Services Act, Mar. 2006 FTC [...]

Reports, Press Releases and Policy Briefs Policy brief: PACE Energy Efficiency Loans: Good Intentions, Big Risks for Consumers, Sept. 2016 Statement: FTC Affirms Consumer Rights Under the Holder Rule, May 11, 2012 Press Release: Consumer Protection in the States: A 50-State Report on Unfair and Deceptive Acts and Practices Statutes, February 2009 State-by-State Analysis of State [...]

Big Data & Identity Errors Policy Analysis Policy Briefs, Reports & Press Releases Big Data: A Big Disappointment for Scoring Consumer Credit Risk, March 6, 2014 Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012 Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in [...]

Policy Analysis Policy Briefs, Reports & Press Releases Misaligned Incentives: Why High-Rate Installment Lenders Want Borrowers Who Will Default, July 2016 Report: Installment Loans: Will States Protect Borrowers from a New Wave of Predatory Lending?, July 2015 Consumer Advocates Applaud DOD Move to Protect Troops from Predatory Lending, July 21, 2015 Report: Why 36%? The [...]

Employer Use of Credit Reports and Background Checks Policy Analysis Policy Briefs, Reports & Press Releases Report: Rating State Government Payroll Cards, November 2015 Report: Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012 Press Release: New FTC Study Points to Much-Needed Reforms for Credit Reporting Industry, February, 2013 [...]

Debt Collection Rule Resources Issue Brief: Time Barred Debt Disclosures in CFPB's Supplemental Rulemaking Fall Short, May 2020 Issue Brief: Millions of Americans Have Limited or No Meaningful Access to the Internet, August 2019 Summary: CFPB Debt Collection Rule Must Protect Consumers, Not Abusive Collectors, May 2019 Potential Impact on Employers and Businesses of CFPB [...]

Criminal Background Checks Comments to the Massachusetts Trial Court Public Access to Court Records Committee re: Criminal Cases and Internet Access to Docket Entries and Court Files, June 15, 2015 Report: Broken Records: How Errors by Criminal Background Checking Companies Harm Workers and Businesses, April 2012 Criminal Justice Debt Confronting Criminal Justice Debt: A Comprehensive [...]