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Disasters & Pandemics

Natural disasters and pandemics like COVID-19 exacerbate economic and social inequalities and gaps in protections in times of need. NCLC works with policymakers and community advocates to help consumers and their communities deal with the financial side of devastation as they recover from disasters and pandemics.

Key Topics

COVID Relief

Targeting COVID relief to reduce economic inequality through policy change.

Disaster Relief

Helping communities deal with the financial impacts of natural disasters.

Featured

Recent Resources

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Digital Library: Essential Strategies for Disaster Recovery

September 30, 2025

What States Can Do To Protect Heirs From Disaster Displacement

September 30, 2025

Comment to FEMA Review Council on Heirs Property and Extreme Heat

May 15, 2025

2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

CA Response of Center for Accessible Technology and NCLC Regarding a Ruling on TURN’s Emergency Motion (Extreme Heat Protections)

October 22, 2024

Letter to HUD on CDBG-DR and Heirs Property/Alternative Title Documentation

October 21, 2024

Digital Library: Twelve Tips for Homeowners After Natural Disasters

October 1, 2024

Texas Comment Letter to FEMA on Equity Interim Final Rule

July 22, 2024

Protecting Access to Essential Utility Service During Extreme Heat and Climate Change

July 16, 2024

Comments & Letters

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Comment to FEMA Review Council on Heirs Property and Extreme Heat

May 15, 2025

2024 Letter Urging Regulators to Protect Credit Scores of Survivors of Hurricanes Helene and Milton

October 31, 2024

CA Response of Center for Accessible Technology and NCLC Regarding a Ruling on TURN’s Emergency Motion (Extreme Heat Protections)

October 22, 2024

Letter to HUD on CDBG-DR and Heirs Property/Alternative Title Documentation

October 21, 2024

Texas Comment Letter to FEMA on Equity Interim Final Rule

July 22, 2024

Letter to FEMA on the National Advisory Council

May 30, 2023

Letter Urging Federal Regulators to Protect Credit Scores of Hurricane Fiona and Ian Survivors

October 26, 2022

Comments filed with the Massachusetts Department of Public Utilities re: Docket No. 20-80

May 6, 2022

Letter to HUD Addressing COVID-Related Issues for HECM Borrowers and Spouses

October 13, 2021

Reports

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Protecting Access to Essential Utility Service During Extreme Heat and Climate Change

July 16, 2024

White Paper on Immediate Actions the CFPB Can Take to Address the COVID-19 Crisis

April 6, 2020

Appendix C: Long Summaries of Loss Mitigation Rules for Government-Backed Loans

February 19, 2020

Obtaining Mortgage Relief for Victims of Disasters: A Practice Guide for Advocates

February 15, 2020

Issue Briefs

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What States Can Do To Protect Heirs From Disaster Displacement

September 30, 2025

2022 Consumer Protection Federal Priorities

February 18, 2022

Homeowners Need a Homeowner Assistance Fund and Additional Relief to Prevent a Coming Foreclosure Crisis

January 1, 2021

2021 Consumer Protection Priorities for a COVID Stimulus Package

December 10, 2020

A Looming Crisis: Black Communities at Greatest Risk

July 1, 2020

What Consumers Need to Know About Covid-19 Mortgage Relief

April 21, 2020

Issue Brief: The U.S. Treasury Can and Should Ensure that Stimulus Payments Go for Families’ Food and Necessities, not to Debt Collectors

April 14, 2020

Coronavirus Emergency: Why States Need to Act Now to Protect Families’ Stimulus Payments

April 14, 2020

Coronavirus Emergency: Preventing Garnishment of Stimulus Checks

April 7, 2020

Testimony

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Frauds, Scams and COVID-19: How Con Artists Have Targeted Older Americans During the Pandemic

September 23, 2021

Testimony Before House Financial Services Regarding Oversight of Mortgage Servicers’ Implementation of the CARES Act

July 16, 2020

Press Releases & News

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Digital Library: Essential Strategies for Disaster Recovery

September 30, 2025

Digital Library: Twelve Tips for Homeowners After Natural Disasters

October 1, 2024

New Report Calls for Utility Protections Amid Extreme Heat

July 16, 2024

Digital Library: Disaster Relief Resources

August 24, 2023

Free Chapter: Homeowner Rights During Natural Disasters

September 30, 2022

19 Financial Services and Consumer Groups Urge Congress to Exempt Economic Impact Payments from Garnishment 

March 10, 2021

Advocates Applaud Passage of $1.9 Trillion COVID-19 Economic Stimulus to Help Americans but Congress Must Ensure EIPs Feed Families, Not Debt Collectors

March 10, 2021

Advocates Applaud Senate Bill Fund to Help Millions of Families Keep Their Homes; Urge Inclusion In COVID Stimulus Bill

February 5, 2021

Important Wins, but Unmet Needs, in New Stimulus Package

December 22, 2020

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