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Equity & Racial Justice

Many consumers, including consumers of color, LGBTQ+, older adults, people with disabilities, immigrants, and people with language barriers face special challenges or discrimination in the marketplace. A member of the Leadership Conference on Civil and Human Rights, NCLC challenges discriminatory, predatory and racist policies and practices that deny economic opportunity to all consumers.

Key Topics

Consumer Issues for Justice-Involved Individuals

Working to stop unfair financial practices in the criminal justice system and to ease re-entry.

Disability Rights

Promoting equitable access to financial products for consumers with disabilities. 

Language Access & Immigrant Rights

Promoting equitable access to financial services for immigrants and consumers with language barriers.

Older Adults

Working to preserve and protect the assets and resources of older consumers.

Racial Justice

Working to address systemic racism and advance economic justice for consumers of color.

Featured

Recent Resources

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NCLC Applauds President Biden’s Directive as a First Step in Regulating AI’s Potential to Harm Consumers

October 31, 2023

Written Testimony on Nursing Home Debt Collection in New York for the Chief Judge’s 2023 Civil Legal Services Hearing

September 13, 2023

FAQs: Can a Nursing Home Force a Resident’s Family and Friends to Pay the Bill?

September 7, 2023

NCLC Petition for Reg X Rulemaking on HELOCs, Reverse Mortgages, Language Access, and Manufactured Housing

August 29, 2023

Report Examines Severe Consequences of Property Tax Liens and Foreclosures for Owners of Inherited Homes

August 22, 2023

New Resources for Frontline Groups Engaged in State Broadband Equity Access and Deployment (BEAD) and Digital Equity Plans

August 17, 2023

State Digital Justice Advocacy Toolkit

August 16, 2023

Los Angeles Times: Why all Latino wealth is not equal

July 19, 2023

Letter to Congress Opposing Prohibition on Funding to Implement Program on Affirmatively Furthering Fair Housing

July 17, 2023

Comments & Letters

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NCLC Petition for Reg X Rulemaking on HELOCs, Reverse Mortgages, Language Access, and Manufactured Housing

August 29, 2023

Letter to Congress Opposing Prohibition on Funding to Implement Program on Affirmatively Furthering Fair Housing

July 17, 2023

Joint Reply Comments to FCC Regarding Implementation of the the Martha Wright-Reed Act (with Leadership Conference)

July 12, 2023

Coalition Comments to FHFA on Equitable Housing Finance, Language Access, and Fair Lending Oversight

June 26, 2023

Leadership Conference Group Comments on Proposed Improvements to Regulatory Process

June 6, 2023

Coalition Letter Supporting Final Rule on Affirmatively Furthering Fair Housing

April 24, 2023

Joint Letter to The Appraisal Foundation Regarding USPAP Exposure Draft: Nondiscrimination Language

February 3, 2023

Letter to The Appraisal Foundation Regarding Declination of Invitation to Join the Council to Advance Residential Equity

February 3, 2023

NCLC’s Comments to HUD regarding Small Dollar Lending

December 5, 2022

Reports

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No Fresh Start 2022: Will States Let Debt Collectors Push Families Into Poverty as the Cost of Necessities Soars?

December 21, 2022

Collection At All Costs: Examining the Intersection of Mass Incarceration and the Student Debt Crisis

July 12, 2022

The High Cost of a Fresh Start: A State-by-State Analysis of Court Debt as a Bar to Record Clearing

February 1, 2022

Collecting Criminal Justice Debt Through the State Civil Justice System

May 12, 2021

No Fresh Start 2020: Will States Let Debt Collectors Push Families Into Poverty in the Wake of a Pandemic?

October 29, 2020

Clearing the Path to a New Beginning  

October 7, 2020

Issue Briefs

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State Digital Justice Advocacy Toolkit

August 16, 2023

No Rolling Back the Clock: Roadmap for an Equitable Economic Recovery in 2023

March 15, 2023

2023 Consumer Protection Federal Priorities

January 13, 2023

No Silver Bullet: Using Alternative Data for Financial Inclusion and Racial Justice

June 1, 2022

2022 Consumer Protection Federal Priorities

February 18, 2022

Doing Special Purpose Credit Programs Right: Why Programs to Assist Black Communities Should Avoid Conventional Use of Traditional Credit Scores

February 9, 2021

Testimony

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Written Testimony on Nursing Home Debt Collection in New York for the Chief Judge’s 2023 Civil Legal Services Hearing

September 13, 2023

Testimony of Sarah B. Mancini on Alternative Home Financing Before the Senate Banking Subcommittee on Housing, Transportation, and Community Development

July 11, 2023

Press Releases & News

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NCLC Applauds President Biden’s Directive as a First Step in Regulating AI’s Potential to Harm Consumers

October 31, 2023

Report Examines Severe Consequences of Property Tax Liens and Foreclosures for Owners of Inherited Homes

August 22, 2023

New Resources for Frontline Groups Engaged in State Broadband Equity Access and Deployment (BEAD) and Digital Equity Plans

August 17, 2023

Los Angeles Times: Why all Latino wealth is not equal

July 19, 2023

ProPublica: Senators Call for Further Oversight, Consumer Protections in Contract for Deed Real Estate Transactions

July 12, 2023

NCLC Will Continue to Fight for Racial and Economic Justice After U.S. Supreme Court Rules Against Affirmative Action

June 29, 2023

Nketiah “Ink” Berko Returns to NCLC as Equal Justice Works Fellow

May 11, 2023

Leading Civil Rights and Housing Groups Support FHFA’s Critical Updates to the Mortgage Pricing Framework

April 28, 2023

NCLC Supports Congresswoman Sylvia Garcia’s Reintroduction of Two Bills for Financial Literacy Month

April 26, 2023

Amicus Briefs

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Amicus Brief in Chamber v. CFPB

December 23, 2022

Amicus Brief in Pearson v. Hodgson

October 12, 2021

Amicus Brief in Massachusetts Fair Housing Center and Housing Works, Inc. v. HUD

October 13, 2020

Amicus Brief in Comcast Corp. v. National Association of African American-Owned Media, et.al.

September 30, 2019

Amicus Brief in Comcast v. National Association of African American-Owned Media

September 30, 2019

Amicus Brief in Bostock v. Clayton County

July 3, 2019