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Robbed Behind Bars: Identity Theft Committed Against Incarcerated Victims

January 27, 2025

Identity theft is a big problem with hidden victims. Identity theft is a multi-billion dollar problem in the United States. In 2021, nearly 24 million people were victims of identity theft, and it was the single most common complaint in the Federal Trade Commission’s (FTC) law enforcement database. While people may assume that identity theft…

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Tightening Consumer Protections: Don’t Let Credit Blemishes Kill Job Opportunities

December 5, 2024

California was one of the first states to restrict the use of credit reports in employment decisions in 2011, leading at least 10 other states and two large cities to pass similar laws. The CA law, however, has several exceptions that weaken it. That is not unusual for an early adopter, given that state legislatures…

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2025 Consumer Protection Federal Priorities

October 21, 2024

NCLC will pursue common-sense regulatory and legislative reforms to ensure fairness, fight fraud, and protect consumers in 2025.

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Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

Credit reports and scores reflect stunning racial disparities. Study after study has found that Black and Latino communities have lower credit scores as a group than whites and Asians. The racial disparities in credit scores are due to deep structural factors, created by centuries of intentional and legalized discrimination as well as present-day biases.

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Why We Need the FCEA to Keep Credit Reports Out of Hiring Decisions Now

March 15, 2023

An Act reducing barriers to employment through credit discrimination H.1434/S.1114, the Fair Chance in Employment Act (FCEA) Senator Barrett, Representative Cutler. Massachusetts has led the way in this area by being one of three states (CA, HI, MA) banning the use of credit scores in auto insurance decisions or pricing. This act will continue our…

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Why We Need the Fair Chance in Housing Act (FCHA) to Keep Credit Reports Out of Housing Decisions Now

March 15, 2023

An Act Relative to the Use of Credit Reporting in Housing H.1308/S.877 , the Fair Chance in Housing Act Senator Gomez , Representatives Cruz & Garcia Restricting the use of credit reports in housing decisions will reduce barriers to housing for the low-income and people of color most impacted by the COVID crisis and help…

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Search Results

Robbed Behind Bars: Identity Theft Committed Against Incarcerated Victims

Tightening Consumer Protections: Don’t Let Credit Blemishes Kill Job Opportunities

2025 Consumer Protection Federal Priorities

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

Why We Need the FCEA to Keep Credit Reports Out of Hiring Decisions Now

Why We Need the Fair Chance in Housing Act (FCHA) to Keep Credit Reports Out of Housing Decisions Now