Resources Archive

Filing to FCC Requesting Rescission of 2-Year Delay of Regulations Protecting Incarcerated People's Communications Services

August 12, 2025

NCLC joined an Application for Review submitted to the Federal Communications Commission seeking the Commission’s review of the Wireline Competition Bureau’s sua sponte decision to suspend the 2024 IPCS Order by delaying for nearly two years the reforms the Commission adopted on a unanimous, bipartisan basis to ensure—pursuant to a bipartisan mandate from Congress—that rates…

Written Testimony in Support of Mass. S. 959, An Act Providing for Energy Assistance During the Summer Months

August 6, 2025

This testimony is in support of Massachusetts legislation to create a state-funded summer cooling program, to help low-income utility consumers pay their home energy and home cooling bills during extreme heat and hot summer months.

NCLC and NHLP Comment on USDA Direct Loan RFI

August 6, 2025

This comment raises significant issues with USDA’s proposal to outsource servicing of USDA Direct Loans.

Letter to Congressional Joint Economic Committee About Scam Calls

July 31, 2025

NCLC advocates provided information about scam calls and text messages to congressional investigators for the Joint Economic Committee. The letter addressed the causes behind the proliferation of scam calls and texts, their economic impact on subscribers, and what can be done to stop them.

Driving Out of Poverty in Private Automobiles

July 30, 2025

When America set out to replace welfare with work, it was generally recognized that the transportation needs of new workers would have to be met in order for this reform policy to succeed. Four years after the full implementation of welfare reform, the lack of an adequate transportation solution has emerged as one of the…

Imperfect Competition in Auto Lending: Subjective Markup, RacialDisparity, and Class Action Litigation

July 30, 2025

While the market for auto lending at first appears to be highly competitive, manyconsumers lack the ability to obtain accurate information about price. In many markets,uninformed consumers can “free ride” off the knowledge of informed consumers. However, the market for auto lending differs from traditional markets because priceultimately depends upon both the credit worthiness of…

Handcuffing Heirs: How Seizing Inheritances to Collect Pay-to-Stay Prison Fees Hinders Recovery and Financial Stability

July 29, 2025

An inheritance is an important family legacy that can provide a safety net for future generations. For working families struggling to keep up with rising living costs, the transfer of a family home or other inheritance can provide newfound economic security. In particular, the anticipated wealth transfer from the Baby Boomer generation to their heirs…

Coalition Comment on the CFPB's Proposed Rule Amending the Civil Penalty Fund Rule

July 18, 2025

This comment pushes back against the proposal by the Consumer Financial Protection Bureau (CFPB) to limit the permissible uses of the Consumer Financial Civil Penalty Fund. The proposed rule may signal a plan to stop compensating victims of companies that violate the law and then say they have no money to repay, and perpetuates a…

NCLC Supports Rep. Correa's Student Loan Bankruptcy Improvement Act.

July 18, 2025

NCLC supports Rep. Correa’s Student Loan Bankruptcy Improvement Act, which would give a meaningful opportunity for financially distressed Americans to discharge student loan debts in bankruptcy by changing the standard used by courts in handling requests for discharge.

NCLC Testimony on Massachusetts H.4144, An Act Relative to Energy Affordability

July 18, 2025

This 2025 Massachusetts legislation aims to make energy bills more affordable for consumers. NCLC testifed in support of consumer protections during extreme heat, and protections in the competitive energy supply market. NCLC also explained our concerns with sections on submetering of electricity, and energy bill surcharges to finance energy efficiency and electrification purchases.

Burkhardt et al. v. MoneyLion Technologies Inc. et al.

July 18, 2025

Johnathan Burkhard and Deven Burkhardt, individually and on behalf of all others similarly situated v. MoneyLion Technologies Inc., ML Plus, LLC, and MoneyLion of Florida, LLC, No. 3:25-cv-00693 (N.D. Fla.) This case seeks relief against predatory earned wage access lender MoneyLion and related companies on behalf of a nationwide class of servicemembers and their spouses…

Letter Opposing Anti-CFPB Bills

July 17, 2025

NCLC joined 68 community, civil rights, consumer, civic and other organizations opposing bills that would undermine the Consumer Financial Protection Bureau (CFPB) and threaten its statutorily mandated consumer protection mission.

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