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Letter from NCLC, et al. to Comptroller Thomas J. Curry (May 3, 2012)
In 2012, the OCC took a supervisory action that resulted in the elimination of two different credit features on Insight prepaid cards issued by Urban Trust Bank. The cards were being used by the payday lender CheckSmart to evade the payday loan laws of Arizona, Ohio, and other states. In one version, the consumer could opt in to overdraft coverage, resulting in “negative balance” fees on the prepaid card that effectively amounted to a $15 per $100 payday loan.
Letter from Thomas J. Curry to NCLC, et al. (Aug. 23, 2012)
In 2012, the OCC took a supervisory action that resulted in the elimination of two different credit features on Insight prepaid cards issued by Urban Trust Bank. The cards were being used by the payday lender CheckSmart to evade the payday loan laws of Arizona, Ohio, and other states. In one version, the consumer could opt in to overdraft coverage, resulting in “negative balance” fees on the prepaid card that effectively amounted to a $15 per $100 payday loan.
Marketing Services Agreement Exits Highlight RESPA Concern
Article in Sept./Oct. 2015 edition of SD Real Estate View, the newsletter of the South Dakota Department of Labor and Regulation.
NCLC & NACA, Comments to the Consumer Financial Protection Bureau on 12 C.F.R. Part 1026, Ability to Repay Standards Under the Truth-in-Lending Act (Feb. 25, 2013)
Problems with loan originator compensation.
Uniform Residential Landlord and Tenant Act (URLTA) (1972 Original)
The Uniform Residential Landlord and Tenant Act (URLTA) was drafted by the Uniform Law
Commission (ULC) in 1972.
NCLC, Comments on the Interagency Guidance Regarding Unfair or Deceptive Credit Practices and the Proposed Repeal of Regulation AA (Oct. 27, 2014)
Weatherization Program Notice 24-1 (Nov. 17, 2023)
The Department of Energy (DOE) issues WPNs to establish the framework to administer congressionally appropriated funds to WAP Grantees. The content of this document, as well as the two attachments, provide programmatic information to WAP Managers and Staff in developing a WAP Grantee Plan which ensures that funds are dispersed to weatherization providers in a timely manner.
Weatherization Program Notice 22-12 (Sept. 14, 2022)
Provide Grantees with consolidated guidance on previously issued Weatherization
Program Notices (WPNs) related to weatherizing multifamily buildings in the Weatherization
Assistance Program (WAP).
Weatherization Program Notice 22-5 (Dec. 8, 2021)
This Guidance serves to transmit information to the WAP network which expands
client eligibility determination. Weatherization Program Notice (WPN) 22-5, Expansion of Client Eligibility in the Weatherization Assistance Program, issued by the U.S. Department of Energy (DOE), serves to
streamline the WAP intake process by expanding WAP’s categorical income eligibility to
include U.S. Department of Housing and Urban Development’s (HUD) means-tested programs’
income qualifications at or below 80% of Area Median Income. (examples of HUD program but
Notice of Interim Policy Guidance and Request for Comment, 59 Fed. Reg. 50,366 (Aug. 16, 2004)
U.S. Dep't of Energy, Nondiscrimination in Federally Assisted Programs Enforcement of Title VI of the Civil Rights Act of 1964—Prohibition Against National Origin Discrimination Affecting Persons With Limited English Proficiency (LEP); Policy Guidance.
Home Energy Efficiency/Affordability/ Renewable Energy Programs and Scams (2023)
Power Point Presentation Overview:
- We will provide an overview of federal/state and utility assistance programs.
- We will provide a more in depth description of a new federal home energy rebate program.
- We will discuss how scammers use the existence of these programs to confuse and mislead low-income, non-English speaking and elderly consumers.
HUD Mortgagee Letter 2022-21, 2023 Home Equity Conversion Mortgage (HECM) Limits.
Establishing the 2023 maximum claim amount limit for HECMs at $1,089,300. This limit also applies to special exception areas (Alaska, Hawaii, Guam, and the Virgin Islands).
WAP Memorandum 095 (Sept. 3, 2022)
RE: Davis-Bacon and Related Acts as It Relates to the Weatherization Assistance Program,
HUD Mortgagee Letter 2023-22, 2024 Home Equity Conversion Mortgage (HECM) Limits.
Establishing the 2024 maximum claim amount limit for HECMs at $1,149,825. This limit also applies to special exception areas (Alaska, Hawaii, Guam, and the Virgin Islands).
U.S. Dep't of Energy, Inflation Reduction Act: Home Energy Rebates (Oct. 13, 2023)
Version 1.1: Home Efficiency Rebates Program (Sec. 50121), Home Electrification and Appliance Rebates Program (Sec. 50122): Program Requirements & Application Instructions
Appendix 2021: Funding Survey Data Tables (Table 3)
WAP Annual Funding Surveys
New York Multifamily Building Owner Agreement (Feb. 2023)
Re: Weatherization Assistance Program