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Issues

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Residential Electricity Sales: The Early COVID-19 Stay-at-Home Period

2020-07-08T14:23:01-05:00July 8, 2020|Categories: NCLC Utilities & Telecom Blog|

Part 1 of 2 on consumer protections needed during and after COVID-19. By John Howat, Senior Energy Analyst, National Consumer Law Center July 8, 2020 The U.S. Energy Information Administration’s most recent Electric Power Monthly, released on June 24, provides sales, price and revenue data by end-use sector and Census Division for April, 2020.  Data [...]

Affordable Broadband Service is a Racial Equity and Public Health Priority During COVID-19

2020-06-29T13:56:49-05:00June 29, 2020|Categories: NCLC Utilities & Telecom Blog|

Cross-posted with the United Church of Christ, OC, Inc. and the Leadership Conference for Civil and Human Rights By Olivia Wein, National Consumer Law Center and Cheryl Leanza, United Church of Christ, OC, Inc. If you are reading this on your smartphone or laptop, you are fortunate to have access to internet service. More than 20 [...]

Covid-19 State Foreclosure Moratoriums and Stays

2020-07-08T18:51:28-05:00March 20, 2020|Categories: Foreclosures and Mortgages|

State Covid-19 related housing actions, July 8, 2020 The following are summaries of actions certain states have taken in response to the Covid-19 crisis to limit home foreclosures. The list may not be complete, as state and local governments continue to adopt new emergency measures at a fast pace. Consumers and their advocates should carefully [...]

High-Cost Rent-a-Bank Loan Watch List

2020-08-04T12:24:40-05:00March 17, 2020|Categories: High Cost Small Loans|

Interest rate limits are the simplest and most effective protection against predatory lending. Since the time of the American Revolution, states have limited interest rates to protect their residents. American voters strongly support interest rate caps. At least 45 states and the District of Columbia (DC) cap rates on at least some installment loans. But [...]

Rent-a-Bank Loans

2020-07-31T10:16:48-05:00February 20, 2020|Categories: High Cost Small Loans|

Predatory Rent-a-Bank Loan Watch List by State Policy Briefs & Fact Sheets Brief: Payday Lenders Plan to Evade California’s New Interest Rate Cap Law through Rent-A-Bank Partnership, October 2019 Brief: FDIC/OCC Proposal Would Encourage Rent-a-Bank Predatory Lending, December 2019 Fact Sheet: Stop Payday Lenders Rent-a-Bank Schemes, November 2019 Op-eds & Media Hits Op-Ed: Rent-a-bank schemes [...]

Medical Debt

2020-05-21T10:43:40-05:00January 15, 2020|Categories: Issues|

Fair Debt Collection The leading treatise on the FDCPA, the statute that dramatically alters how collection agencies, debt buyers and attorneys collect consumer debts. Subscribe Now! Model Statutes || Policy Analysis || Webinars  Model Statutes What States Can Do to Help Consumers: Medical Debt, April 2019 Model Medical Debt Protection Act, September 2019 Policy Analysis Policy Briefs, [...]