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Equity & Racial Justice

Many consumers, including consumers of color, LGBTQ+, older adults, people with disabilities, immigrants, and people with language barriers face special challenges or discrimination in the marketplace. A member of the Leadership Conference on Civil and Human Rights, NCLC challenges discriminatory, predatory and racist policies and practices that deny economic opportunity to all consumers.

Key Topics

Disability Rights

Promoting equitable access to financial products for consumers with disabilities. 

Language Access & Immigrant Rights

Promoting equitable access to financial services for immigrants and consumers with language barriers.

Older Adults

Working to preserve and protect the assets and resources of older consumers.

Racial Justice

Working to address systemic racism and advance economic justice for consumers of color.

Featured

Recent Resources

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No Fresh Start: Will States Protect Families from Debt Collectors Seizing Wages and Bank Balances? (2024)

December 18, 2024

Weak State Exemption Laws Allow Debt Collectors to Push Families Into Poverty

December 18, 2024

Lara v. Sunrun Inc., et al.

December 10, 2024

Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996

October 30, 2024

2025 Consumer Protection Federal Priorities

October 21, 2024

The New York Times: Surviving Spouses May Not Be Responsible for Partners’ Medical Bills

September 27, 2024

Chicago Sun-Times: Older adults with crushing student loan debt need help from the federal government

September 27, 2024

Financial Institutions Must Remove Barriers for People with Limited English Proficiency

September 25, 2024

Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance

September 24, 2024

Comments & Letters

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Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996

October 30, 2024

Comments to CFPB Regarding Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; RESPA Regulation X

September 9, 2024

Coalition Letter to CFPB Commenting on the Bureau’s Proposal to Expand Language Access in the Mortgage Market

September 9, 2024

Joint Letter to the CFPB on Language Access in Mortgage Servicing

September 9, 2024

Environmental Justice and Civil Rights Advocates’ Response to Petition For Rulemaking to Rescind EPA’s Title VI Disparate Impact Regulations

September 4, 2024

Civil Rights Sign-on Comments on Disclosure and Transparency of AI-Generated Content in Political Ads

September 4, 2024

Comment on Form EIA-112: Residential Utility Disconnections Survey

August 19, 2024

Comments to the Department of Treasury on Use of Artificial Intelligence in Financial Services

August 12, 2024

Texas Comment Letter to FEMA on Equity Interim Final Rule

July 22, 2024

Reports

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No Fresh Start: Will States Protect Families from Debt Collectors Seizing Wages and Bank Balances? (2024)

December 18, 2024

Cracking the Code: Understanding and Overcoming Language Barriers in Consumer Finance

September 24, 2024

Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

No Fresh Start 2023: Will States Let Debt Collectors Push Families Into Poverty as Economic Uncertainty Looms?

December 11, 2023

Collection At All Costs: Examining the Intersection of Mass Incarceration and the Student Debt Crisis

July 12, 2022

The High Cost of a Fresh Start: A State-by-State Analysis of Court Debt as a Bar to Record Clearing

February 1, 2022

Collecting Criminal Justice Debt Through the State Civil Justice System

May 12, 2021

No Fresh Start 2020: Will States Let Debt Collectors Push Families Into Poverty in the Wake of a Pandemic?

October 29, 2020

Clearing the Path to a New Beginning  

October 7, 2020

Issue Briefs

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2025 Consumer Protection Federal Priorities

October 21, 2024

The Growing Impact of Student Loan Debt on Older Adults

September 19, 2024

Myths and Facts About Ways to Increase Small Dollar Mortgage Lending 

August 9, 2024

Policy Recommendations: Ways to Prevent Built-to-Fail Land Contracts and Lease-Options From Hijacking the American Dream of Homeownership 

August 9, 2024

Reforming Property Tax Foreclosure Laws to Promote Sustainable Homeownership

May 22, 2024

Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

State Digital Justice Advocacy Toolkit

August 16, 2023

No Rolling Back the Clock: Roadmap for an Equitable Economic Recovery in 2023

March 15, 2023

Testimony

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Written Testimony on Nursing Home Debt Collection in New York for the Chief Judge’s 2023 Civil Legal Services Hearing

September 13, 2023

Testimony of Sarah B. Mancini on Alternative Home Financing Before the Senate Banking Subcommittee on Housing, Transportation, and Community Development

July 11, 2023

Frauds, Scams and COVID-19: How Con Artists Have Targeted Older Americans During the Pandemic

September 23, 2021

Press Releases & News

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Weak State Exemption Laws Allow Debt Collectors to Push Families Into Poverty

December 18, 2024

The New York Times: Surviving Spouses May Not Be Responsible for Partners’ Medical Bills

September 27, 2024

Chicago Sun-Times: Older adults with crushing student loan debt need help from the federal government

September 27, 2024

Financial Institutions Must Remove Barriers for People with Limited English Proficiency

September 25, 2024

NCLC Co-Director of Advocacy Testifies at CFPB Field Hearing on Abusive Land Contracts

August 13, 2024

CFPB Proposed Rule Requiring Language Access in Mortgage Servicing Will Help Homeowners Avoid Foreclosure

July 11, 2024

New Draft of Privacy Rights Act Removes Essential Protections for  Consumer and Civil Rights

June 26, 2024

Final FHFA Rule on Racial Equity, Language Access, and Fair Lending Oversight Will Aid Underserved Communities

May 1, 2024

CFPB Report Confirms Credit Reporting of Medical Debt is a Racial Justice Issue

April 30, 2024

Amicus Briefs

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Amicus Brief: Lackey v. Stinnie

August 12, 2024

NAMIC v. HUD

July 10, 2024

Amicus Brief: City of Grants Pass, Oregon v. Johnson

April 11, 2024

Amicus Brief in Chamber v. CFPB

December 23, 2022

Amicus Brief in Pearson v. Hodgson

October 12, 2021

Amicus Brief in Massachusetts Fair Housing Center and Housing Works, Inc. v. HUD

October 13, 2020

Amicus Brief in Comcast Corp. v. National Association of African American-Owned Media, et.al.

September 30, 2019

Amicus Brief in Comcast v. National Association of African American-Owned Media

September 30, 2019

Amicus Brief in Bostock v. Clayton County

July 3, 2019