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What States Can Do To Protect Heirs From Disaster Displacement

October 1, 2025

Disasters can create devastating housing and financial insecurity for working families. Owners of inherited family homes have a greater need and reduced access to vital disaster assistance funds. Inherited homes are more likely to be older and in physically inadequate conditions, increasing the likelihood that they will suffer damage in a disaster. Nearly one-third of…

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Handcuffing Heirs: How Seizing Inheritances to Collect Pay-to-Stay Prison Fees Hinders Recovery and Financial Stability

July 29, 2025

An inheritance is an important family legacy that can provide a safety net for future generations. For working families struggling to keep up with rising living costs, the transfer of a family home or other inheritance can provide newfound economic security. In particular, the anticipated wealth transfer from the Baby Boomer generation to their heirs…

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Urgent Action Needed to Preserve Racial Equity and Economic Justice

March 19, 2025

After the Trump administration's all-out assault on equity, civil rights, racial justice, and the rule of law, new forms of digital discrimination, amplified by artificial intelligence, will flourish.

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2025 Consumer Protection Federal Priorities

October 22, 2024

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

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Policy Recommendations: Ways to Prevent Built-to-Fail Land Contracts and Lease-Options From Hijacking the American Dream of Homeownership

August 9, 2024

A significant number of Americans have attempted to become homeowners through “rent-to-own” transactions – either a land contract or a lease with option to buy. Often, these contracts are built to fail. In this issue brief, we provide policy recommendations to prevent harmful practices and incentivize success.

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Myths and Facts About Ways to Increase Small Dollar Mortgage Lending

August 9, 2024

In this issue brief, we debunk certain myths about the barriers to small-dollar mortgage lending and set out recommendations for meaningful progress.

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Captive Concerns: Incarcerated People Face Obstacles to Reporting Consumer Abuses

July 22, 2024

Consumer protection laws apply to incarcerated people. But because of incarcerated people’s limited and highly regulated contact with the outside world, they struggle to report consumer problems such as identity theft and fraud, as well as abusive practices perpetrated by the private companies that they must rely on for essential services and goods within correctional…

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Reforming Property Tax Foreclosure Laws to Promote Sustainable Homeownership

April 25, 2024

Property tax systems can foster sustainable homeownership, be fair and reasonable for property owners, and still provide the revenue needed for quality public services.

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Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

A slate of recommendations to advance equity and racial justice across the federal government.

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Heirs Should Not Be Subject to Florida's Homestead Tax Exemption Penalty

August 21, 2023

Homeowners who fall behind on their property taxes risk the swift loss of their homes through tax foreclosures if they cannot pay off the back taxes owed, plus any interest, fees, costs and penalties thathave accrued. The accumulated amounts needed to resolve the tax debt can be overwhelming and resultultimately in the loss of their…

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A Looming Crisis: Black Communities at Greatest Risk

October 14, 2022

Foreclosure prevention measures, data collection, and reporting must be prioritized to stave off preventable foreclosures Communities of color in the United States, especially Black and Latinx communities, are particularly hard hit by the COVID-19 pandemic, from higher rates of illness and death to greater rates of unemployment, mortgage default and eviction risk. These challenges have…

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Racial Disparities in Consumer Debt Collection

October 12, 2022

A strong rule from the Consumer Financial Protection Bureau (CFPB) is needed to protect consumers from abusive debt collection tactics, especially people of color, who are disproportionately subject to debt collection.

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