NCLC uses its expertise to write the rules of a fair marketplace. Our staff of legal and policy experts are widely recognized as the leading national experts in consumer credit, banking, home energy, and other areas of special importance to low-income families. 

Arbitration & Access to Justice

Banking & Payment Systems

Overdraft Loans
Mobile Payments and Remittances
Prepaid Debit Cards
Payment Fraud  
Protection of Exempt Public Benefits


Car Sales & Financing

Consumer Privacy

Credit Cards

Credit Discrimination

Credit Reports

Debt Collection  


Foreclosures & Mortgages

Mortgage Servicing Policy Analysis
Mortgage Servicing Litigation
General Predatory Mortgage Policy Analysis
State Foreclosure Laws
Foreclosure Mediation Programs
Home Affordable Modification Program (HAMP)
Bankrupt Lenders & Failed Banks
Sample Counseling Resources & Practice Aids


Energy, Utilities & Telecommunications

Energy Efficiency and Multifamily Housing
Stay Connected

LIHEAP & Fuel Assistance

Weatherization & Home Energy Efficiency
Appliance Efficiency Standards
Consumer Protection and Regulatory Issues
Electric & Gas
On-Bill Financing

High Cost Small Loans

Payday Loans
Overdraft Loans
Refund Anticipation Loans

Manufactured Housing

Consumer Protection Regulation and Preemption

Regulatory Reform and Consumer Financial Protection Bureau

Student Loans

Other Consumer Protection Issues 

Unfair and Deceptive Acts and Practices
Debt Relief Services
Litigation Tools


Litigation Project Guidelines  
Co-Counseling with NCLC 
Case Index


Expert Witness and Complex Case Consulting Services  
Consulting Services