The Massachusetts Department of Public Utilities expanded the state’s winter utility disconnection moratorium, to begin on October 27, 2025 and ending on April 1, 2026. This temporary expansion of the moratorium will protect utility customers who usually receive assistance through the Low Income Home Energy Assistance Program (LIHEAP or HEAP), but are still waiting for…
FHFA’s proposed 2026-2028 Enterprise Housing Goals will take away affordable mortgages for up to 177,000 lower- to moderate-income families over the next three years, worsening the housing affordability crisis and fueling deeper racial and socioeconomic inequalities in who can access credit and become a first-time homeowner.
Comments in response to the Office of Science Technology and Policy (OSTP) September 26, 2025 Request for Information on Regulatory Reform on Artificial Intelligence (AI). Comments call for a strong national AI regulatory framework that incorporates civil rights, establishes a risk-based approach to AI regulation, and promotes AI research and development. Comments strongly oppose the…
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Written testimony of Andrea Bopp Stark, National Consumer Law Center to the Maine Legislature Joint Committee of Health, Insurance & Financial Services in support of LD 1901, An Act to Regulate Shared Appreciation Agreements Relating to Residential Property
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Testimony of Andrea Bopp Stark, National Consumer Law Center, to Massachusetts Legislative Committee of the Judiciary in Support of H1694/ S1147 — An Act Providing Civil Legal Remedies for Victims of Economic Abuse This bill establishes a legal process for victims of coerced debt, including survivors of domestic abuse, to find relief and restore their…
Testimony of National Consumer Law Center and Greater Boston Legal Services in support of S1071/H 1983 – An Act relative to unlawful practices in the servicing and foreclosure of a subordinate mortgage.
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This testimony describes why we recommend that consumer protection for financial products and services be consolidated within a new federal Consumer Financial Protection Agency. A review of the history of consumer protection by the Federal Reserve and the other banking agencies demonstrates consistent inattention, at best, and opposition, at worst, to the needs of consumers.…
This presentation covers the basics of the Home Energy Assistance Program (HEAP) [formerly referred to in MA as LIHEAP] and walks through important updates and changes to expect in HEAP and weatherization for the 2025-2026 program year. In addition, the speakers go through some best practices for the application process as well as common errors…
Each year, Massachusetts publishes a brochure with key information on the state’s HEAP cold relief efforts.
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Coerced debt occurs when an abuser either fraudulently opens accounts in the victim’s name or coerces the victim into taking on debt they would not have otherwise obtained. This can be done by using threats, manipulation, or even physical force.
This is a comment from fifty-two (52) consumer, economic justice, privacy, and advocacy groups to the Consumer Financial Protection Bureau’s (CFPB) Advance Notices of Proposed Rulemaking reconsidering its final Personal Financial Data Rights rule implementing section 1033 of the Dodd-Frank Act. The comment strongly supports the current 1033 Rule as issued in October 2024 and…
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Summary of NCLC’s opposition to proposed NPRM that would eliminate TCPA regulations requiring callers maintain a company specific do-not-call list and honor do-not-call requests.
