2025 Consumer Protection Federal Priorities
NCLC will pursue common-sense regulatory and legislative reforms to ensure fairness, fight fraud, and protect consumers in 2025.
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2024 Consumer Reform Priorities to Protect Tenants
Low- and moderate-income renters have faced tremendous challenges in recent years, including shortages of affordable, decent housing; spiking rent increases; and abuses by corporate and private equity landlords. Contributing to these woes are practices that are regulated by consumer laws, including tenant screening reports, collection of rental debt, and imposition of junk fees. The following reforms are much needed to help struggling renters obtain and keep safe, decent, affordable housing.
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Even the Catch-22s Come With Catch-22s: Potential Harms & Drawbacks of Rent Reporting
Rent reporting carries huge risks for renters, especially the most vulnerable families who struggle with housing costs.
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2024 Credit & Consumer Reporting Priorities to Promote Economic Stability
Credit reports and scores, tenant and employment screening reports, and other background checks all impact fundamental necessities in a consumer’s life: the ability to rent an apartment or buy a home, obtain insurance, find a job, open or keep a bank account, and obtain fairly priced credit. Yet each one of these categories of “consumer…
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WAAT: Protections and Support for Renters
Many lower-income households do not receive a water or sewer bill from a utility, even though they receive home water and sewer service. These are mostly renters, whose landlords are the direct customer of the utility.
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Zombie Records: How Sealed or Expunged Court Records in Tenant & Employment Screening Reports May Illegally Cost People Jobs & Housing
Today, to rent an apartment or nail down a job, you almost always have to pass a background check. About 94% of employers and 90% of landlords run criminal background checks, and about 85% of landlords review eviction information. Many landlords and employers purchase reports containing criminal and eviction records information from specialized tenant and…
