Larger Loans Need Lower Rates: A 50-State Survey of the APRs Allowed for a $10,000 Loan
This report surveys the interest rates and loan fees allowed by all 50 states and the District of Columbia for an unsecured 5-year installment loan of $10,000.
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This report surveys the interest rates and loan fees allowed by all 50 states and the District of Columbia for an unsecured 5-year installment loan of $10,000.
This report will provide states with model community solar consumer protections to ensure equitable outcomes for low-income participants.
Read More about Community Solar: Expanding Access and Safeguarding Low-Income Families
We acknowledge that USDS represents an improved servicing environment for borrowers and offer recommendations to ensure a successful transition to the USDS servicing environment.
NCLC was appointed to a Massachusetts working group, to address gas transition issues. The working group made recommendations about the revisions needed to the Gas System Enhancement Plan (GSEP) program, to support Massachusetts climate and emissions goals. NCLC participated as an advocate for consumers, urging the state to make home energy affordable for low-income and moderate-income consumers during the transition away from natural gas and toward building electrification and other non-gas-pipe home energy alternatives.
This report highlights and evaluates the efficacy of various laws and policies aimed at helping owners of heirs property, a significant driver of land loss in communities of color.
This report provides background on the states’ role as student consumer protector and a brief history of the federal government’s fraught efforts to regulate state authorization for distance education. We call on policymakers to keep in mind the states’ role as student consumer protector in state authorization and reciprocity rulemaking, particularly with respect to distance…