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Legislation
Arbitration
Bank Accounts
Bankruptcy
Credit Cards
Foreclosure
Medical Debt
Mortgage Lending/Foreclosures
Overdraft Loans
Payday Lending
Prepaid Cards
Regulatory Reform and Preemption
Usury
On behalf of our low income clients, we are monitoring the following legislative activities. To find out the status of a bill and current co-sponsors, visit www.thomas.gov.
Note: For more materials on a particular subject area, visit our Issues page.
Arbitration
Letter supporting H.R. 1020, Arbitration Fairness Act, July 26, 2010
Bank Accounts
Comments on the Treasury Department’s proposal to mandate all electronic deposits by 2013, August 16, 2010
Letter in Support of Freedom and Mobility in Consumer Banking Act (Miller), July 27, 2010
Bankruptcy
Letter supporting Helping Families Save Their Homes in Bankruptcy Act, H.R. 200/H.R. 1106 (Conyers), March 4, 2009
Credit Cards
Credit CARD Act, S. 414 (Dodd): NCLC Letter, Consumer Groups Letter, Feb. 12, 2009
Letter in Support of Maloney Credit Cardholders Bill of Rights, Jan. 12, 2009
Foreclosure
Foreclosure Rescue Fraud Act, S. 116/H.R. 1213: Testimony: Legislative Solutions for Preventing Loan Modification and Foreclosure Rescue Fraud, May 6, 2009
Medical Debt
Letter supporting the Medical Debt Relief Act of 2009, H.R. 3421 (Kilroy), July 26, 2010
Mortgage Lending/Foreclosures
H.R. 1728 - Mortgage Reform and Anti-Predatory Lending Act: Letter supporting amendments to H.R. 1728, May 7, 2009
Coalition letter not in support of H.R. 1728, May 5, 2009
Consumer press release in opposition of H.R. 1728, Apr. 27, 2009
Consumer coalition letter detailing concerns about H.R. 1728, Apr. 7, 2009
Overdraft Loans
Letters in support of H.R. 3904, the Overdraft Protection Act of 2009 and S. 1799, the Fairness and Accountability in Receiving (FAIR) Overdraft Coverage Act of 2009
NCLC Comments to the Federal Reserve Re: Regulation Overdraft Loans under Regulation E, Mar. 30, 2009
Payday Lending
Support letter for S. 582, Interest Rate Reduction Act, Mar. 27, 2009
Letter opposing payday loan bill, H.R. 1214 (Gutierrez), Mar. 23, 2009
Prepaid Cards
Letter Supporting Benefit Card Fairness Act, H.R. 4552 (May 2, 2010)
Regulatory Reform and Preemption
Wall Street Reform and Consumer Protection Act of 2009 (H.R. 4173)
Coalition Letter Supporting Independent CFPA, Feb. 19, 2010
Consumer Statement in Support of President's Proposed Consumer Financial Protection Agency, June 17, 2009
Usury
Letter opposing preemption of Arkansas usury rate, May 18, 2009
Consumer groups' Letter in support of S. 500 (Durbin) and H.R. 1608 (Speier) establishing 36% national usury cap for all credit, March 2, 2009
Sample Letter for state groups to support S. 500