Legislation

On behalf of our low income clients, we are monitoring the following legislative activities. Visit Congress.gov for the status of a bill or to contact a member by phone or email (or call the Capitol Switchboard at (202) 224-3121). You can find out who your representative is here, and Members’ Twitter handles are here. You can also email your representatives.

Note: For more materials on a particular subject area, visit our Issues page.

Access to Justice

S. 2627 (Cortez-Masto) End Double Taxation of Successful Civil Claims Act. Support.
S. 610 (Sen. Blumenthal)/H.R. 1423 (Rep. Johnson), Forced Arbitration Injustice Repeal (FAIR) Act. Consumer support letter on House and Senate bills.
S. 630 (Sen. Brown) Arbitration Fairness for Consumers Act. Support.
S. 608 (Sen. Durbin) Court Legal Access and Student Support (CLASS) Act. Support.

Bankruptcy Relief

S. 1414 (Sen. Durbin) Student Borrower Bankruptcy Relief Act of 2019. Support.
H.R. 2648 (Rep. Nadler) Student Borrower Bankruptcy Relief Act, H.R. 2648. Support.

Consumer Financial Protection

(Sen. Harris) Accountability for Wall Street Executives Act of 2019. Support.
H.R. 1500 (Rep. Waters) Consumer First Act. Support letter.

Credit Reporting

S. 1581/HR 6470 (Merkley, Porter) Medical Debt Relief Act of 2019. Support Letter.
S. 3508 (Schatz, Brown), Disaster Protection For Workers’ Credit Act. Support.
HR 3621 (Rep. Waters) Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020. Support letter.
HR 3614 Restricting Use of Credit Checks for Employment Decisions Act. Support.
HR 3618 Free Credit Scores for Consumers Act. Support.
HR 3622 Restoring Unfairly Impaired Credit and Protecting Consumers Act. Support.
HR 3642 Improving Credit Reporting for All Consumers Act. Support.
HR 3629 Clarity in Credit Score Formation Act. Support.
HR 3621 Student Borrower Credit Improvement Act. Support.
S. 2685 (Senators Reed and Van Hollen) Consumer Credit Control Act. Support letter.
Accurate Access to Credit Information Act of 2019. Support letter.
S. 1336 (Senators Warren and Warner) Data Breach Prevention and Compensation Act. Support.
S. 3508 (Senators Schatz and Brown) The Disaster Protection for Workers’ Credit Act. Support.

Criminal Justice

MA H 4652, An Act Regarding Decarceration and COVID-19, Support Testimony.
H.R. 6389 (Rep. Rush). Martha Wright Prison Phone Justice Act. Support.
H.R. 6061 (Rep. Nadler). The State Justice Improvement Act. Support.
H.R. 3948 (Rep. Meeks). Debt Collection Practices Harmonization Act of 2019. Support.
S. 1764 (Sens. Duckworth, Portman, Schatz, Booker, King, Markey). Martha Wright-Reed Just and Reasonable Communications Act of 2019. Support letter.

Debt Collection

S. 3841 (Grassley) protecting stimulus payments from garnishment. Joint consumer-bank support letter.
Conn. H.B. 5427, An Act Concerning Issues Relating to Debt Collection §§ 1, 2 and 3. Support testimony.
H.R. 5934 (Rep. Bonamici) Securing Consumers against Misrepresented Debt Act of 2020. Support.
H.R. 5330 (Rep. Tlaib), Consumer Protection for Medical Debt Collections Act. Support letter.
H.R. 4403 (Rep. Cleaver), the Stop Debt Collection Abuse Act. Support.
H.R. 5001 (Rep. Clay), Non-Judicial Foreclosure Debt Collection Clarification Act. Support.
H.R.5003 (Rep. Dean), Fair Debt Collection Practices for Servicemembers Act. Support.
H.R. 5021 (Rep. Pressley), Ending Debt Collection Harassment Act of 2019. Support.
H.R. 3948 (Rep. Meeks). Debt Collection Practices Harmonization Act of 2019. Support.

Earned Income Tax Credit

H.R. 3157 (Rep. Kildee), S. 1138 (Sen. Brown) Working Family Tax Relief Act. Support letter to Senate and House.

Fair Lending

H.R. 2324 (Rep. Garcia) /S. 1205 (Sen. Gillibrand), Protections in Consumer Lending Act. Support.

Housing

S. 3509 (Brown) To Protect American Families Facing Financial Hardship or Foreclosure Due to a Declared Disaster, Including Covid-19. Support.
H.R. 5001 (Rep. Clay), Non-Judicial Foreclosure Debt Collection Clarification Act. Support.
H.R. 5931 (Rep. Clay), Improving FHA Support for Small Dollar Mortgages Act of 2020. Support.
H.R. 2445 (Rep. Emmer and Foster), Self-Employed Mortgage Access Act of 2019. Support.
H.R. 4783 (Reps. Green, Chu, Garcia and Clay), LEP Data Acquisition in Mortgage Lending Act of 2019. Support.
H.R. 3141 (Rep. Phillips) FHA Loan Affordability Act of 2019. Support.
S. 2279 (Sen. Cortez Masto)/H.R. 3958 (Rep. Waters), FHA Foreclosure Prevention Act. Support.
S. 571 (Sen. Merkley) Residential Rent to Own Protection Act. Support.
S. 787 (Sen. Warren) American Housing and Economic Mobility Act of 2019. Support letter.
S. 331 (Sen. Cortez Masto)/H.R. 936 (Rep. Velasquez), Home Loan Quality Transparency Act. Support.
S. 3508 (Schatz, Brown), Disaster Protection For Workers’ Credit Act. Support.

Overdraft Fees

H.R. 4254 (Rep. Maloney), Overdraft Protection Act of 2019. Support.

Payday Loans

H.R. 5050 and S. 2833 (Rep. J. Garcia and Sen. Merkley), Veterans and Consumers Fair Credit Act. Support.
Calif. SB 472. NCLC opposition letter.
Indiana SB 613. NCLC & CRL analysis.

Payments

H.R. 2650 (Payne), Payment Choice Act. Support.

Privacy and Data Breaches

Coalition letter urging Congress to prioritize civil rights in upcoming privacy legislation, Feb. 13, 2019

Student Loans

H.R. (Pressley, Omar), Student Debt Emergency Relief Act. Support.
H.R. 5114, the Stop EITC and CTC Seizures Act, led by Rep. Sylvia Garcia (D-TX).
H.R. 2991, the Protection of Social Security Benefits Restoration Act, led by Rep. Raul Grijalva (D-AZ).
H.R. 3764 – Justice for Student Borrowers Act (Scanlon). Support.
HR 3621 Student Borrower Credit Improvement Act. Support.
H.R. 5241 (Krishnamoorthi), Protecting Students from Worthless Degrees Act. Support.
H.R. 3512 and S. 867 (Rep. Lee and Sen. Durbin) Borrower Defense Congressional Review Act repeal. Support letter.
H.R. 2486 and S.1279 (Rep. Adams and Sen. Jones)- FUTURE Act. Support letter to Senate.
S. 1153 (Senators Baldwin, Braun, Shaheen and Fischer) Stop Student Debt Relief Scams Act of 2019. Support.