The $12 Billion Overdraft Trap: State Options to Limit Overdraft and Nonsufficient Fund Fees
Overdraft and nonsufficient funds (NSF) fees can drain money that people need for rent, food, and medical expenses.
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Predatory Installment Lending in the States: How Well Do the States Protect Consumers Against High-Cost Installment Loans? (2025)
Interest rate caps vary greatly from state to state. Some states allow lenders to pile on junk fees and a few states do not cap interest rates at all.
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No Fresh Start: Will States Protect Families from Wage and Asset Seizures as Debt Levels Soar? (2025)
Every state has a set of exemption laws, intended to prevent creditors from pushing families into destitution. This report finds that few states’ exemption laws meet even the most basic standards.
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Predatory Installment Lending in the States: How Well Do the States Protect Consumers Against High-Cost Installment Loans? (2024)
Forty-five states and the District of Columbia (DC) currently cap interest rates and loan fees for at least some consumer installment loans, depending on the size of the loan. However, the caps vary greatly from state to state, and a few states do not cap interest rates at all.
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"What the Heck, Dude!": How States Can Fight Rental Housing Junk Fees
This companion report to Too Damn High focuses on steps that state and local governments and advocates can take to address junk fees.
Read More about "What the Heck, Dude!": How States Can Fight Rental Housing Junk Fees
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Protecting Access to Essential Utility Service During Extreme Heat and Climate Change (Updated)
This report examines the impacts of extreme heat on utility consumers and recommends immediate actions policymakers and regulators must take to safeguard utility services for under-resourced consumers facing extreme weather.
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Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss
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.
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Property Tax Foreclosures on Heirs Property: The Devastating Consequences and Recommendations for Prevention
While millions of homeowners fell behind on mortgage payments and were at risk of losing their homes to mortgage foreclosures during the COVID-19 pandemic, many others were facing another foreclosure crisis- the loss of their homes due to property tax lien foreclosures. This strict and often rapid tax lien foreclosure process has created a lesser…
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Overly Impacted & Rarely Heard: Incorporating Community Voices Into Massachusetts Energy Regulatory Process
Disproportionately high burdens connected with utility infrastructure and operations fall on environmental justice populations, which are formally defined by Massachusetts law. Yet the status quo provides environmental justice populations and affected communities few or no meaningful opportunities to participate in DPU and EFSB proceedings, where most utility infrastructure and operations decisions are made. Few agency…
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COVID-Driven Utility Arrearages: Implications for Policy in Massachusetts and the Nation
The COVID-19 crisis placed millions of Americans in financial peril, hitting households of color particularly hard. In response, moratoriums on utility shutoffs were instituted in many states across the country to protect customers from the immediate danger of termination. However, some states’ moratoriums have already expired, or, were never instituted in the first place, meaning…
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Compendium of Existing Laws that Foster Resident Ownership of Manufactured Home Communities
Compendium of Existing Laws that Foster Resident Ownership of Manufactured Home Communities
