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Recent Articles

28 Consumer Rights to Request Information, Company Record Retention Requirements

This article sets out 28 obligations of creditors, collectors, and merchants to provide information to consumers upon request or to retain consumer records for several years. These requirements assist consumer practitioners in developing the facts in a case, help consumers understand the nature of their transactions, and may provide statutory damages for their violation.

Homeowner Tactics to Overcome Problems with Tangled Titles

A new NCLC Digital Library article sets out practical solutions to problems arising from a homeowner's death in dealing with mortgages, foreclosures, reverse mortgages, property taxes and tax sales, utilities, and relief after natural disasters. The advice focuses where a home’s title is tangled—the home is stuck in probate or families living in a home for generations have never properly transferred the home’s title.

More Articles from NCLC

Read more recent developments and archived articles from the National Consumer Law Center.

Special Mortgage Topics


stack of books in the NCLC Consumer Law Practice Series that pertain to housing: Home Foreclosures, Mortgage Servicing and Loan Modifications, and Mortgage Lending

Tangled title issues and zombie second mortgages are among the biggest housing issues facing consumers today. NCLC has compiled resources for advocates navigating both of these subjects. Resources include free NCLC articles, written submissions from past NCLC conferences free to the consumer law community, links to relevant NCLC treatise material, pleadings and discovery, and more. Most of the resources are free to the public or free to the consumer law community. View NCLC's aggregated lists of resources on the NCLC Digital Library



 Free @NCLC


open NCLC treatise on a desk, surrounded by office supplies

Policy and analysis, statutes and regulations, sample pleadings, court decisions, and more - all publicly accessible on the NCLC Digital Library.