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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.

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Recent Resources

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Letter to FEMA on the National Advisory Council

May 30, 2023

2023 Consumer Protection Federal Priorities

January 13, 2023

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

October 26, 2022

Free Chapter: Homeowner Rights During Natural Disasters

September 30, 2022

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

May 6, 2022

2022 Consumer Protection Federal Priorities

February 18, 2022

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

October 13, 2021

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

September 23, 2021

Group Letter Urging HUD, VA, and USDA to Extend the Deadline for Borrowers to Start COVID-Relief

September 23, 2021

Comments & Letters

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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

Group Letter Urging HUD, VA, and USDA to Extend the Deadline for Borrowers to Start COVID-Relief

September 23, 2021

Group Letter Supporting H.R. 4791, the Protecting Renters from Evictions Act of 2021

July 30, 2021

Group Letter to the Biden Administration Urging Quick Nomination of a 5th FCC Commissioner

June 11, 2021

Coalition Comments on the CFPB’s Proposed Rule to Protect Homeowners Impacted by the COVID-19 Emergency

May 10, 2021

Group Letter to FHFA: Climate and Natural Disaster Risk Management Request for Input

April 19, 2021

Reports

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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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2023 Consumer Protection Federal Priorities

January 13, 2023

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

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

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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

New NCLC, CRL Report Proposes Roadmap for Student Borrowers to Survive the COVID Debt Crisis

November 23, 2020

Consumer, Civil Rights, and Housing Groups Call on U.S. Senate to Save Family Homes and Stop Evictions in Next COVID-19 Bill

July 28, 2020

How to Get Help with Your Mortgage During COVID-19

July 9, 2020

Alert: IRS Sending Letters About Unactivated Stimulus Prepaid Cards

July 2, 2020

National Consumer Law Center Advocates’ Statement Regarding U.S. House Passage of HEROES Act

May 15, 2020

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