High-Cost Credit

Predatory lending strips wealth from vulnerable consumers and communities. High-cost lenders use a variety of methods to evade consumer protection laws and even to deny they are offering credit. NCLC fights for reasonable and effective interest rate limits, affordable small dollar loans, and an end to abusive practices and evasions by payday lenders, online lenders, credit cards, and newer fintech forms of credit.

Key Topics

Credit Cards

Protecting consumers against credit card abuses.

Fintech Credit Products

Fighting for strong consumer protections for new forms of credit.

Interest Rate, Usury & Other Credit Laws

Supporting effective state and federal interest rate limits and credit laws.

Payday & Installment Loans

Fighting high-cost, predatory loans and supporting affordable small dollar credit.

Preemption

Countering efforts to preempt strong state consumer protection laws.

Remittances

NCLC has been the leading advocate for remittance senders in the past two decades, striving to protect them against unfair and undisclosed fees imposed by remittance providers.

Rent-a-Bank Loans

Fighting schemes that help lenders evade state interest rate limits.

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