Michelle Bates Deakin joined NCLC as Chief Communications Officer in 2022. Prior to NCLC, she served as Director of Communications at the Massachusetts Legal Assistance Corporation and as Managing Director of Media Relations and Public Information at Harvard Law School. Her career in strategic communications and journalism has focused on legal issues and social justice. [...]
Click here to return to current Model State Law page Car Sales and Financing Transparent and Consistent Pricing of Motor Vehicle Add-Ons Act, December 2018 Safer Cars at the Point of Sale Act, December 2018 Making Repossessions Safer and Fairer: Model Consumer Amendments to Uniform Commercial Code Article 9, June 2016 Debt Collection and Settlement [...]
This spreadsheet has state-by-state information about which high-cost rent-a-bank lenders are operating in each state. The state-specific issue briefs below have an overview of rent-a-bank lending in these states (updated February 2022): Predatory Rent-a-Bank Lending in Alaska Predatory Rent-a-Bank Lending in Arizona Predatory Rent-a-Bank Lending in Arkansas Predatory Rent-a-Bank Lending in Colorado Predatory Rent-a-Bank Lending [...]
Report Executive Summary Appendix: Court Debt as a Barrier to Clearing a Conviction Record Graphics Press Release Published February 14, 2022 ©National Consumer Law Center, Inc. Overview This report explores the extent to which restricting access to record clearing based on outstanding criminal fines, fees, costs, and restitution—collectively known as “court [...]
November 15, 2021 Princeton’s Debt Collection Lab tracks debt collection court cases in real time and has begun doing so in five states. The DCL also uses the arts and storytelling to change the narrative about debt justice. Advocates may use the online debt collection tracker to examine which neighborhoods are hardest hit by debt [...]
November 2021 © Copyright 2021, National Consumer Law Center, Inc. All rights reserved. See Print Version Why State Exemption Laws Are Important Map 1: Overall Ratings Story: West Virginia Nurse Finds Bank Account Frozen in Midst of Pandemic Protection of Wages: Can a Creditor Reduce a Debtor to Below the Poverty Level? Map [...]
Caroline Cohn is an Equal Justice Works fellow at the National Consumer Law Center, sponsored by Nike, Inc. Her work focuses on criminal justice debt issues and background reporting. Previously, Caroline served as a law clerk to the Honorable Judge Carolyn McHugh of the Tenth Circuit Court of Appeals and to the Honorable Judge Carol [...]
October 13, 2021 This webinar will address the significant revisions to the options available for VA-guaranteed borrowers facing pandemic-related hardships. Speaker: Steve Sharpe, Staff Attorney at the National Consumer Law Center
September 22, 2021 Between June 24 and July 23, federal agencies issued over a dozen updates related to loss mitigation policies that apply to borrowers facing COVID-19 hardships. This included a full revision to the waterfall of options for FHA-insured loans and critical adjustments to Fannie Mae and Freddie Mac’s loan modification policies. This webinar [...]
August 26, 2021 On June 28, 2021, the CFPB released a final rule under RESPA that includes important protections for homeowners impacted by the COVID-19 pandemic. The rule, which takes effect August 31, 2021, imposes procedural safeguards that limit servicers’ ability to initiate foreclosure through December 31, 2021. It also sets out enhanced early intervention [...]
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