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Equity & Racial Justice

Many consumers, including consumers of color, LGBTQ+, older adults, people with disabilities, immigrants, and people with language barriers face special challenges or discrimination in the marketplace. A member of the Leadership Conference on Civil and Human Rights, NCLC challenges discriminatory, predatory and racist policies and practices that deny economic opportunity to all consumers.

Key Topics

Disability Rights

Promoting equitable access to financial products for consumers with disabilities. 

Language Access & Immigrant Rights

Promoting equitable access to financial services for immigrants and consumers with language barriers.

Older Adults

Working to preserve and protect the assets and resources of older consumers.

Racial Justice

Working to address systemic racism and advance economic justice for consumers of color.

Featured

Recent Resources

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Reforming Property Tax Foreclosure Laws to Promote Sustainable Homeownership

April 25, 2024

Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

Amicus Brief: City of Grants Pass, Oregon v. Johnson

April 11, 2024

Word in Black: Why Experts Say Keep Land in Your Family if You Can

March 12, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

Comments on Treasury Department’s Request for Information on Financial Inclusion

February 20, 2024

Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

Heirs Property Report: How to Prevent Home Loss, Close Racial Wealth Gap

January 29, 2024

Joint Letter to the FCC Urging Use of ACP Outreach Grants for ACP Wind Down Implementation

January 11, 2024

Comments & Letters

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Comments on Treasury Department’s Request for Information on Financial Inclusion

February 20, 2024

Joint Letter to the FCC Urging Use of ACP Outreach Grants for ACP Wind Down Implementation

January 11, 2024

NCLC Petition for Reg X Rulemaking on HELOCs, Reverse Mortgages, Language Access, and Manufactured Housing

August 29, 2023

CCD Letter to Reps Dingell and Fitzpatrick on Additional Funds for the Affordable Connectivity Program

July 26, 2023

Letter to Congress Opposing Prohibition on Funding to Implement Program on Affirmatively Furthering Fair Housing

July 17, 2023

Joint Reply Comments to FCC Regarding Implementation of the the Martha Wright-Reed Act (with Leadership Conference)

July 12, 2023

Coalition Comments to FHFA on Equitable Housing Finance, Language Access, and Fair Lending Oversight

June 26, 2023

Leadership Conference Group Comments on Proposed Improvements to Regulatory Process

June 6, 2023

Coalition Letter Supporting Final Rule on Affirmatively Furthering Fair Housing

April 24, 2023

Reports

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Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

No Fresh Start 2023: Will States Let Debt Collectors Push Families Into Poverty as Economic Uncertainty Looms?

December 11, 2023

Collection At All Costs: Examining the Intersection of Mass Incarceration and the Student Debt Crisis

July 12, 2022

The High Cost of a Fresh Start: A State-by-State Analysis of Court Debt as a Bar to Record Clearing

February 1, 2022

Collecting Criminal Justice Debt Through the State Civil Justice System

May 12, 2021

No Fresh Start 2020: Will States Let Debt Collectors Push Families Into Poverty in the Wake of a Pandemic?

October 29, 2020

Clearing the Path to a New Beginning  

October 7, 2020

Issue Briefs

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Reforming Property Tax Foreclosure Laws to Promote Sustainable Homeownership

April 25, 2024

Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

State Digital Justice Advocacy Toolkit

August 16, 2023

No Rolling Back the Clock: Roadmap for an Equitable Economic Recovery in 2023

March 15, 2023

2023-2024 Consumer Protection Federal Priorities

January 13, 2023

No Silver Bullet: Using Alternative Data for Financial Inclusion and Racial Justice

June 1, 2022

2022 Consumer Protection Federal Priorities

February 18, 2022

Doing Special Purpose Credit Programs Right: Why Programs to Assist Black Communities Should Avoid Conventional Use of Traditional Credit Scores

February 9, 2021

Testimony

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Written Testimony on Nursing Home Debt Collection in New York for the Chief Judge’s 2023 Civil Legal Services Hearing

September 13, 2023

Testimony of Sarah B. Mancini on Alternative Home Financing Before the Senate Banking Subcommittee on Housing, Transportation, and Community Development

July 11, 2023

Frauds, Scams and COVID-19: How Con Artists Have Targeted Older Americans During the Pandemic

September 23, 2021

Press Releases & News

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Word in Black: Why Experts Say Keep Land in Your Family if You Can

March 12, 2024

Heirs Property Report: How to Prevent Home Loss, Close Racial Wealth Gap

January 29, 2024

CFPB and DOJ Sue Predatory Mortgage Lender for Reverse Redlining, Exploiting Consumers With Limited English Proficiency 

December 21, 2023

Will States Let Debt Collectors Push Families Into Poverty as Economic Uncertainty Looms?

December 11, 2023

NCLC Applauds President Biden’s Directive as a First Step in Regulating AI’s Potential to Harm Consumers

October 31, 2023

Report Examines Severe Consequences of Property Tax Liens and Foreclosures for Owners of Inherited Homes

August 22, 2023

New Resources for Frontline Groups Engaged in State Broadband Equity Access and Deployment (BEAD) and Digital Equity Plans

August 17, 2023

Los Angeles Times: Why all Latino wealth is not equal

July 19, 2023

ProPublica: Senators Call for Further Oversight, Consumer Protections in Contract for Deed Real Estate Transactions

July 12, 2023

Amicus Briefs

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Amicus Brief: City of Grants Pass, Oregon v. Johnson

April 11, 2024

Amicus Brief in Chamber v. CFPB

December 23, 2022

Amicus Brief in Pearson v. Hodgson

October 12, 2021

Amicus Brief in Massachusetts Fair Housing Center and Housing Works, Inc. v. HUD

October 13, 2020

Amicus Brief in Comcast Corp. v. National Association of African American-Owned Media, et.al.

September 30, 2019

Amicus Brief in Comcast v. National Association of African American-Owned Media

September 30, 2019

Amicus Brief in Bostock v. Clayton County

July 3, 2019