FHA has announced new help for homeowners having trouble paying their FHA-insured mortgage loans. This article explains the seven key changes, including minimized documentation requirements, new home retention options, and access of successors-in-interest to FHA loss mitigation. This article describes the changes and provides links for more detail on each change.

This article examines three current forms of home equity theft: offering realtor services to create liens on homes, buying homes below market value before they are listed, and sale-leasebacks schemes. The article describes each scam, current litigation, common features of home equity theft, and twelve different legal theories for homeowners to seek relief. Links are provided for more detail.

This article examines the most significant 2025 Fair Debt Collection Practices Act (FDCPA) developments, including summaries of all reported FDCPA circuit court of appeals decisions, a discussion of withdrawn guidance at the CFPB, and the just-released Eleventh Edition of NCLC’s Fair Debt Collection treatise.

A recent Tenth Circuit ruling largely bans Colorado lenders from using rent-a-bank schemes to evade the state's usury caps. A new NCLC Digital Library article explains the decision and details strategies for challenging rent-a-bank loans in other states. Such strategies include arguing that the bank is not the true lender, that there are limits on rate exportation, and that the loan may still have to comply with non-interest credit law of the state of the consumer’s residence.