Resources Archive

Fact Sheet: HUD Rule Would Gut Housing Discrimination Protections

February 3, 2026

HUD Should Withdraw Proposed Rule to Gut Important Discrimination Protections and Fully Enforce the Fair Housing Act Request for Public Comment, Docket No. FR-6540-P-01, RIN 2529-AB09 Comments Due February 13, 2026 The U.S. Department of Housing and Urban Development’s (HUD) has proposed a rule, that would substantially weaken the Fair Housing Act and leave consumers…

Comments on OCC Interest-on-Escrow Law Preemption

January 29, 2026

NCLC submitted comments on the Office of the Comptroller of the Currency’s (OCC) proposed interest-on-escrow preemption determination and real estate lending escrow accounts rule, which exceed the agencyʼs power.

Written Testimony in Support of Maryland Earned Wage Revisions

January 29, 2026

A new breed of payday loans, so-called earned wage access products, exacerbate affordability problems by taking hundreds of dollars per year from low-wage workers. This written testimony from NCLC supports a Maryland bill that will prevent manipulations that increase fees and make workers pay to be paid. NCLC’s testimony also suggests several amendments to the…

Comments to the OCC Regarding Interest-on-Escrow Preemption Determination and Real Estate Lending Accounts Rule

January 29, 2026

On December 30, 2025, the Office of the Comptroller of the Currency (OCC) requested comment on two proposals: a new rule regarding mortgage escrow accounts, and a determination that federal law preempts state laws requiring banks to pay interest on mortgage escrow accounts. The National Consumer Law Center submitted comments on both proposals on behalf…

Group Comments to the FTC Regarding Sales of Certified Used Cars with Unrepaired Safety Recalls

February 29, 2016

The following comments were submitted in response to the Federal Trade Commission’s proposed settlements with General Motors, Jim Koons Management, and Lithia Motors. The proposed settlements attempt to address the practice of selling cars as “certified,” or with the use of similar terms, in which cars are advertised as thoroughly inspected and safe cars, despite…

Model Family Property and Income Protection Act

January 23, 2026

This model legislation provides sample language for state laws to prevent debt collectors from seizing a family’s essential income and property to pay old debts. These laws are generally referred to as exemption laws, as they exempt certain income and assets from seizure after a creditor obtains a court judgment to collect a debt. This…

What States Can Do to Protect Consumers From Unsafe and Unreliable Cars

January 23, 2026

Strong protections against the sale of unsafe cars protect the buyer, passengers, and other drivers on the road.

Compendium of State Lemon and Warranty Laws for Used Cars

January 15, 2026

Comment on Use of Independent Third-Party Providers in Connection with Claims Without Conveyance of Title (CWCOT)

January 19, 2026

This letter urges HUD to retain policy on the use of third-party vendors in order to avoid misalignment of servicer incentives.

People, et al. v. Low Credit Rents, et al.

January 12, 2026

Eli Savit, Prosecuting Attorney for Washtenaw County, ex rel. the People of the State of Michigan, and Kaitlin Hall and Kyesha Ford, on behalf of themselves and all others similarly situated, 26-000080-CP (Washtenaw Cty Trial Ct., MI) The class action lawsuit, filed jointly with the Washtenaw County Prosecutor’s Office, seeks relief for Michigan renters who…

Statement for the Record for Hearing on Fintech Innovations

January 13, 2026

NCLC, on behalf of its low-income clients, submitted a Statement for the Record in connection with the January 13, 2026 hearing on “Delivering for American Consumers: A Review of FinTech Innovations and Regulations” before the Subcommittee on Digital Assets, Financial Technology and Artificial Intelligence of the House Committee on Financial Services. The statement emphasized that…

Picking Workers' Pockets: Unfair, Deceptive and Abusive Practices by Earned Wage Payday Lenders

January 12, 2026

Fueling the ongoing affordability crisis, new types of payday loans offered through cash advance apps – so-called “earned wage access products”– drain hundreds of dollars a year from thin wages.

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