Resources Archive

Letter to Senate Opposing DHS Funding Without Significant ICE Changes and Supporting FEMA Independence and Funding

February 11, 2026

The Honorable Chuck SchumerSenate Minority LeaderU.S. SenateWashington, DC 20510 Minority Leader Schumer, Minority Leader Schumer,We are 93 organizations supporting disaster survivors, working for climate resilience, and/or working in communities impacted by floods, wildfires, hurricanes, extreme heat, winter storms, and other disasters. We are writing to urge Senate Democratic leadership to stop the flow of funds…

Written Testimony to the Kansas House Committee on Judiciary in Support of HB 2754 —The Providing Civil Relief from Coerced Debt Act

February 11, 2026

This testimony provides support for Kansas HB 2754 — An Act Providing Civil Relief from Coerced Debt, a bill that offers a targeted, balanced, and urgently needed response to a form of economic abuse that traps survivors of domestic violence in long-term financial harm—often long after the physical abuse has ended.

Comments in Support of Connecticut Serious Illness Disconnection Protections

February 11, 2026

NCLC submitted these comments to support strong protections from utility disconnection for Connecticut customers with serious or life-threatening illnesses.

Testimony Against Oregon HB 4141

February 10, 2026

This bill will substantially weaken Oregon laws protecting financially strapped consumers and will expose consumers to predation by the “debt resolution services” industry. Debt resolution—more commonly known as debt settlement—is a wolf insheep’s clothing. It advertises relief, but it leaves consumers worse off than before they signed up. Oregon should reject this bill.

Coalition Letter in Support of the Predatory Lending Elimination Act

February 11, 2026

Consumer, faith, civil rights, labor, human rights, and community advocacy groups, urge support for the Predatory Lending Elimination Act (S3793), sponsored in the Senate by Senator Jack Reed. This bill is the solution to the worst practices by predatory lenders in the consumer loan market. By expanding the protections already afforded active-duty service members under…

Safe Deposits: How to Protect Family Bank Accounts from Debt Collectors

February 10, 2026

As debt collection lawsuits surge to pre-pandemic highs, more and more families will see their cash and property seized by debt collectors. All states protect some of a family’s property from seizure by debt collectors to enforce a court ruling for a debt, but in some states the protection is minimal or is so difficult…

The Affordability Problem of Earned Wage Payday Loans

February 10, 2026

Payday loan apps take hundreds of dollars a year from people struggling to make ends meet. The apps exacerbate affordability problems, leaving people with depleted paychecks, trapped in a vicious cycle of reborrowing, and facing manipulations that multiply fees: Annual percentage rate limits or low, comprehensive monthly fee caps are the only way to prevent…

Joint NCLC-AFSA Letter Opposing Oregon Bill to Weaken Consumer Protections (HB 4141)

February 6, 2026

The National Consumer Law Center and the American Financial Services Association do notagree on everything, but we agree on this: HB 4141 should not pass as written. Many companiesoffering debt resolution services do more harm than good, and HB 4141 would enable rapidproliferation of these kinds of companies and their services in Oregon, displacing legitimate…

States Can Protect Buy Now, Pay Later Borrowers

February 9, 2026

New York has passed the first comprehensive law to protect shoppers who use Buy Now, Pay Later (BNPL) loans. Some details remain to be fleshed out through regulations, and the law does not address every issue BNPL borrowers may face. But it is a significant step forward and provides a helpful roadmap for other states.…

Letter Urging Creditors & Credit Bureaus to Help Minnesota Consumers Impacted by ICE Surge

February 9, 2026

This letter from 52 economic justice, civil rights, labor, faith and other groups urges lenders, debt collectors, and credit bureaus to provide economic relief to Minnesotans who have been financially devastated by the overly aggressive surge of militarized activity in that state by ICE. The letter asks these companies, to:

Model Debt Collection Reform Act

January 1, 2013

This model law, the Model Consumer Debt Collection Reform Act, is intended to protect consumers from the most common abuses in the credit and collections industries, restoring balance to an increasingly lopsided system of justice. It is intended to ensure that consumers receive basic protections as creditors pursue collection lawsuits against them. The…

Comments Urging FCC to Retain Regulations Protecting Incarcerated People and Their Families' Access to Affordable Communications

February 3, 2026

The Federal Communications Commission (FCC) sought public comment on its proposed changes to regulations of Incarcerated People’s Communications Services (IPCS). These regulations apply to all state and federal prisons, local jails, and immigration detention centers. They were promulgated to protect incarcerated people and their loved ones from having to pay exorbitant amounts to stay in…

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