Written Testimony in Support of Connecticut HB 5127
This testimony supports Connecticut bill HB 5127, An Act Concerning Medical Credit Cards.
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Letter on Earned Wage Access Consumer Protections Act
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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Letter Urging Support for the CFPB
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.
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Comments to the Treasury about Proposed Federal Debt Collection Regulations
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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Reply Comments Regarding Appropriate Classification of Certain Types of VoIP Provider
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.
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Comments on the Application to Charter Enova Interim Bank & Acquire Grasshopper Bank
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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Public Service Commission of Maryland Order on Limited Income Mechanism for Utility Customers
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…
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Limited Income Mechanism for Utility Customers (Maryland)
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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Comments of the Maryland Energy Advocates Coalition On the Need and Proposals for a Low-Income Affordability Plan
On November 16, 2023, the Public Service Commission (Commission) issued a Notice establishing an Administrative Docket PC 59 to consider proposals for limited-income mechanisms for utility customers. The Maryland Energy Advocates Coalition (MEAC) submitted these comments in response. MEAC’s mission is to focus on the circumstances, needs and solutions for the low-income households and communities…
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Reply Comments of the Maryland Energy Advocates Coalition Regarding PC59
The Maryland Energy Advocates (MEAC) submitted extensive comments and a proposed framework for a low-income Affordability Plan on January 31, 2024. MEAC later submitted the following Reply Comments. These stakeholders are unified in supporting a statewide low income affordable rate plan and reject the idea that households should receive varying benefits based on the utility…
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Maryland Energy Advocates Coalition Working Group Comments on PC59
The Maryland Energy Advocates Coalition (MEAC) submitted comments in response to the Maryland Public Service Commission’s October 16, 2025, Notice of Comment and Hearing in Public Conference 59 (PC 59). MEAC has been an active advocate in the Commission’s process to consider adoption of a utility discount rate plan for low-income households in Maryland. MEAC…
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The Other Foreclosure Crisis: Property Tax Lien Sales
Much attention has been focused rightly on the home mortgage foreclosure crisis. The devastation it has caused individual homeowners, the housing market, and the broader national and international economies is unlike anything experienced since the Great Depression. It is not surprising that some of the same economic conditions that have fueled the mortgage foreclosure crisis…
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