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Weâve been doing research and outreach to assess issues in various other markets for consumer financial products and services over many months. In November 2013, we issued an advance notice of proposed rulemaking seeking comment, data, and information from the public about debt collection, which is the single biggest source of complaints to the federal government. We received more than 23,000 comments in response to the notice, and in our 2014 annual report on Fair Debt Collection Practices Act. reported that we received more than 30,000 consumer complaints in this area. If you are on the market for a home and have no credit or bad credit. it does not mean that you cannot be approved for a mortgage loan. Rather, you will have to work a little harder to find a no credit check mortgage. You will also have to do a little extra work to convince the lender that you are a trustworthy borrower. Installment Loans Online