Legislative Activities Archive

114th Congress (2015-16)

Anti-Consumer Legislation

Anti-Regulation Legislation


Auto Loans

  • H.R. 1737 (Guinta), Reforming CFPB Indirect Auto Financing Guidance Act. Opposition letter.


  • Coalition letter opposing misuse of the appropriations process for ideological policy riders.

Cell Phones

Class Actions

Consumer Financial Protection Bureau and Consumer Protection Rules

Credit Reporting

Debt Collection

Federal Trade Commission

Housing Finance

Homebuyers Assistance Act

Lawsuit "Reform"

Manufactured Housing

Medical Debt

Military Lending Act


Operation Choke Point and Payment Fraud

Letters to House and Senate supporting Operation Choke Point and opposing:

  • H.R. 766 (Luetkemeyer) the Financial Institution Customer Protection Act of 2015. Coalition opposition letter, Feb. 2, 2016
  • H.R. 1413 (Luetkemeyer) & S. 477 (Rubio), the Firearms Manufacturers and Dealers Protection Act 2015

Private Debt Collection of Federal Debt

Regulatory "Relief"

Student Loans


Unclaimed Property

Virtual Currencies

Wall Street Reform

113th Congress (2013-2014)

Bank Accounts

  • H.R.3137 (Schakowsky) & S. 1534 (Harkin), Freedom and Mobility in Consumer Banking Act (Support)

Consumer Financial Protection Bureau

  • S. 2732 (Toomey),Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2014. Consumer coalition letter in opposition.
  • H.R. 3193 (Duffy), Consumer Financial Protection and Soundness Improvement Act of 2013, a package of bills designed to gut the CFPB. Consumer opposition letter. Feb. 11, 2014

Consumer Freedom of Speech

  • H.R.5499 (Swalwell), Consumer Review Freedom Act of 2014 (support)

Fair Debt Collection

  • S. 2328 (Toomey), exempting attorneys from the FDCPA (Opposition Letter), May 12, 2014

Housing Finance Reform


Operation Choke Point

Prepaid and Payroll Cards


  • H.R. 2804 (Holding), Achieving Less Excess in Regulation and Requiring Transparency (ALERRT) Act (H.R. 2804) (oppose)
  • H.R. 2122 (Goodlatte), Regulatory Accountability Act (RAA)
  • H.R. 2542 (Bachus), Regulatory Flexibility Improvements Act (RFIA)
  • H.R. 2804 (Holding), All Economic Regulations are Transparent (ALERT) Act
  • H.R. 1493 (Collins), Sunshine for Regulatory Decrees and Settlements Act
  • H.R. 367 (Young), Regulations from the Executive in Need of Scrutiny (REINS) Act
  • H.R. 899 (Foxx), Unfunded Mandates Information and Transparency Act
  • Group letter to members of Congress urging them to oppose HR 4 the "Jobs for America Act", Sept. 18,2014


  • Letters supporting the Private Student Loan Bankruptcy Fairness Act of 2013 (Cohen) and the Fairness for Struggling Students Act of 2013 (Durbin) permitting dischargeability of private student loans, Feb 6, 2013

Housing Finance Reform

Lawsuit "Reform"

Credit Reporting

  • H.R. 5446 (Royce), The Facilitating Access to Credit Act: Letter of opposition
  • H.R. 2538 (Fitzpatrick)/S. 1613 (Kirk), The Credit Access and Inclusion Act: Letter expressing concerns.
  • H.R. 1767 (Waters), S. 160 (Merkley), Medical Debt Responsibility Act. Support letter.
  • H.R. 1002 (Cohen)/S. 471 (Sanders), Fair Access to Credit Scores Act


Payday Lending and Small Dollar Loans

  • Letter opposing H.R. 1566, the "Consumer Credit Access, Innovation, and Modernization Act" (May 6, 2013) creating a federal charter for internet payday and other lenders.
  • S. 673 (Durbin)/H.R. 5130 (Cartwright), Protecting Consumers from Unreasonable Credit Rates Act. April 9, 2013 support letter to Sen. Durbin. July 10, 2014 support letter to Rep. Cartwright.
  • Letter supporting the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013 (Bonamici), March 4, 2013

Student Loans and Financial Aid


112th Congress (2011-2012)

Consumer Financial Protection Bureau

Credit Reporting

Debt Collection/Cell Phone Privacy

Federal Charter for Payday Lenders

Letter opposing H.R. 6139 (Luetkemeyer), which gives payday lenders a federal charter regulated by the OCC, July 2012

Mortgage Lending/Foreclosures

  • S. 3085 (Boxer/Menendez), The Responsible Homeowner Refinancing Act of 2012. Opposition Corker Safe Harbor Amendment, Civil Rights letter Nov. 13, 2012 and Americans for Financial Reform letter Nov. 19, 2012H.R. 3619 (Ellison/ Stark) Permanently Protecting Tenants at Foreclosure Act of 2011
  • S. 2909 (Merkley), Rebuilding Equity Act of 2012
  • S. 2072 (Franken), Helping Homeowners Refinance Act of 2012Bills extending exclusion of mortgage principal reduction from taxable income:HR 4202 (Rangel)

HR 4250 (Lungren)
HR 4290 (McDermott)
HR 4336 (Reed, NY)
SB 2250 (Stabenow)

  • Letter opposing HR 2446, RESPA Home Warranty Clarification Act of 2011, exempt payments on home service contracts from the ban on kickbacks and referral fees.


111th Congress (2009-2010)


  • Letter supporting H.R. 1020, Arbitration Fairness Act, July 26, 2010

Bank Accounts


  • Letter supporting Helping Families Save Their Homes in Bankruptcy Act, H.R. 200/H.R. 1106 (Conyers), March 4, 2009

Credit Cards

  • Credit CARD Act, S. 414 (Dodd): NCLC Letter, Consumer Groups Letter, Feb. 12, 2009
  • Letter in Support of Maloney Credit Cardholders Bill of Rights, Jan. 12, 2009


  • Foreclosure Rescue Fraud Act, S. 116/H.R. 1213: Testimony: Legislative Solutions for Preventing Loan Modification and Foreclosure Rescue Fraud, May 6, 2009

Medical Debt

  • Letter supporting the Medical Debt Relief Act of 2009, H.R. 3421 (Kilroy), July 26, 2010

Overdraft Loans

  • Letters in support of H.R. 3904, the Overdraft Protection Act of 2009 and S. 1799, the Fairness and Accountability in Receiving (FAIR) Overdraft Coverage Act of 2009
  • NCLC Comments to the Federal Reserve Re: Regulation Overdraft Loans under Regulation E, Mar. 30, 2009

Payday Lending

  • Support letter for S. 582, Interest Rate Reduction Act, Mar. 27, 2009
  • Letter opposing payday loan bill, H.R. 1214 (Gutierrez), Mar. 23, 2009

Prepaid Cards

  • Letter Supporting Benefit Card Fairness Act, H.R. 4552, May 2, 2010

Regulatory Reform and Preemption

  • Wall Street Reform and Consumer Protection Act of 2009 (H.R. 4173)
  • Coalition Letter Supporting Independent CFPA, Feb. 19, 2010
  • Consumer Statement in Support of President's Proposed Consumer Financial Protection Agency, June 17, 2009


  • Letter opposing preemption of Arkansas usury rate, May 18, 2009
  • Consumer groups' Letter in support of S. 500 (Durbin) and H.R. 1608 (Speier) establishing 36% national usury cap for all credit, March 2, 2009
  • Sample Letter for state groups to support S. 500