Amici are eight nonprofit organizations dedicated to fair housing and civil rights: National Fair Housing Alliance, National Consumer Law Center, UnidosUS, Public Justice, Center for Responsible Lending, Poverty and Race Research Action Council, Southern Poverty Law Center, and League of United Latin American Citizens. Amici submit this memorandum because they are concerned that the parties’…
Legal assistance groups that provide free legal assistance to low-income people submitted these group comments in response to the Department of Education’s proposal to implement changes made by the One Big Beautiful Bill Act (“OBBB”) to rules governing federal student loan repayment, deferrals related to economic hardship and unemployment, and rehabilitation of student loans out…
NCLC strongly supports Connecticut HB 5209. It will enact appropriate regulations to protect consumers from this high cost, high risk loan product.
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This letter urges the Los Angeles City Council to prohibit landlords from using Ratio Utility Billing System (RUBS) to calculate utility bills in master-metered rental housing.
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This testimony supports Connecticut bill HB 5127, An Act Concerning Medical Credit Cards.
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NCLC and several consumer and civil rights organizations urged that the House Financial Services Committee address several key points to prevent the Earned Wage Access Consumer Protection Act from worsending the affordability crisis by protecting a business model that extracts hundreds of dollars a year from struggling families and forces workers to pay to be…
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NCLC joined community, civil rights, labor, consumer, civic and other organizations in urging members of Congress to fight for an effective Consumer Financial Protection Bureau able to carry out its statutorily mandated consumer protection mission for the long term, and to oppose legislative efforts to weaken the agency.
NCLC filed comments with Treasury in response to proposed amendments to federal debt collection regulations. Comments raised concerns about the need for additional protections to ensure actual notice when creditor agencies provide notices electronically and concerns about overly loose matching criteria, potentially leading to Treasury offsets affecting the incorrect consumer. They also explained the need…
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NCLC et al. submitted reply comments urging the FCC not to classify all forms of VoIP as a telecommunications service, as doing so would undermine enforcement efforts against those VoIP providers that expose U.S. subscribers to criminals.
NCLC, on behalf of our low-income clients, submitted comments on the application to the Office of the Comptroller of the Currency (OCC) and to the Federal Reserve Board (Fed) to charter Enova Interim Bank and to acquire Grasshopper Bank, NA. The OCC and Fed should deny Enova’s application. At a time when President Trump is…
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In this Order, the Commission provides guidance and direction pertaining to the Public Conference 59 (“PC 59”) Work Group’s Report on Proposed Limited Income Mechanism for Utility Customers. For the reasons detailed below, the Commission approves the general design of the proposed Limited Income Mechanism (“LIM”), recommends guidance on further details, and approves Phase II…
This report was prepared for the Public Service Commission of Maryland by the PC59 Work Group, the Maryland Energy Advocates Coalition (MEAC), which includes the National Consumer Law Center. The Work Group developed and proposed a limited-income mechanism to help ensure customers have an energy burden of approximately 6%. The Work Group requests the Commission…
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