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Sample HUD Complaint, Failure to Offer Accommodation

This is a sample housing discrimination complaint submitted to HUD based on failure to offer an accommodation based on disability.

Digital Denials: How Abuse, Bias, and Lack of Transparency in Tenant Screening Harm Renters (NCLC Sept. 2023)

Landlords use tenant screening reports to evaluate rental applications. This September 2023 NCLC report is based on an analysis of 253 responses from attorneys and tenant advocates about tenant screening problems. The report examines the survey results, provides an in-depth analysis of tenant screening problems identified by the survey, and makes recommendations for change. The report responds to an FTC and CFPB call for information on tenant screening.

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CFPB Circular 2023-1, Unlawful Negative Option Marketing Practices (Jan. 19, 2023)

Description: This CFPB circular states that negative option marketing practices may be unfair, deceptive, or abusive where a seller (1) misrepresents or fails to clearly and conspicuously disclose the material terms of a negative option program; (2) fails to obtain consumers’ informed consent; or (3) misleads consumers who want to cancel, erects unreasonable barriers to cancellation, or fails to honor cancellation requests that comply with its promised cancellation procedures.

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CFPB Circular 2023-2, Reopening Deposit Accounts That Consumers Previously Closed (May 10, 2023)

This CFPB circular states that is is an unfair practice for a financial institution, after the consumer closes a deposit account, to unilaterally reopen the account and process a deposit or debit.

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CFPB Circular 2023-03, Adverse Action Notification Requirements and the Proper Use of the CFPB’s Sample Forms Provided in Regulation B (Sept. 19, 2023)

Description: This CFPB circular states that creditors may not rely on the checklist of reasons provided in the sample forms (currently codified in Regulation B) to satisfy their obligations under ECOA if those reasons do not

specifically and accurately indicate the principal reason(s) for the adverse action. Nor, as a general matter, may creditors rely on overly broad or vague reasons to the extent that they obscure the specific and accurate reasons relied upon.