Digital Library: An Introduction to Ratio Utility Billing Systems for Tenant Advocates
This article discusses what RUBS billing is, what makes RUBS billing different, and how it may be worse for tenants than other types of utility billing.
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Digital Library: Seven Key Changes to the FHA Waterfall
The rights of homeowners facing financial hardship to modify their FHA-insured mortgage payments are of special significance.
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Governors, Legislators, and Utility Affordability: Broadening the Frame to Water
State leaders can address major water affordability challenges by protecting financially vulnerable customers, ensuring transparency, and providing dedicated state funding for water infrastructure.
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Digital Library: Home Equity Theft Scams—An Old Problem Takes on New Forms
This article describes emerging home equity theft schemes, some new and others that have been around for decades.
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Digital Library: FDCPA: 2025 in Review
This article examines the most significant 2025 Fair Debt Collection Practices Act (FDCPA) developments.
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Digital Library: New Consumer Law Changes Taking Effect in 2026
This article lists federal and state consumer law changes scheduled to go into effect or expire during the period from December 1, 2025, through January 1, 2027. Other consumer law changes will be enacted in 2026 and will go into effect in 2026; this article lists changes whose effective dates have already been scheduled as…
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NCLC’s Year in Economic Justice: 2025
NCLC advocates resisted rollbacks of federal consumer protections and fought to increase state-level protections.
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NCLC 2025: By the Numbers
The National Consumer Law Center advanced consumer justice in many ways in 2025. In addition to direct advocacy on behalf of low-income consumers, we provided training to the consumer law community through in-person conferences, webinars, digital articles and publications, online resources, and in the media. Here’s a look at NCLC in numbers in 2025. Conferences…
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Digital Library: Tenth Circuit Limits Rent-a-Bank Schemes
Predatory lenders use rent-a-bank schemes to evade state usury limits and charge astronomical rates—100%, 500% and even higher—that are illegal in as many as 45 states. In a classic rent-a-bank scheme, a high-cost lender “rents” a state bank chartered in a state without usury limits for banks and then evades other states’ usury caps by…
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In Memoriam: Bob Hobbs, ‘Founding Father’ of Consumer Law Community
Robert “Bob” Hobbs, who served as deputy director of the National Consumer Law Center for 27 years, passed away in November 2025.
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Digital Library: Successful Challenges to Earned Wage Payday Loans
Earned wage payday loans, also known as payday loan apps, earned wage access products, earned wage advances, or fintech payday loans, are a fast-growing payday lending scheme. Typically claiming not to be loans and to charge no interest, these schemes are set up to evade federal and state consumer lending laws. This article explains why earned…
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Digital Library: What the CFPB’s Recent FCRA Preemption Guidance Gets Wrong
This article provides an overview of FCRA preemption, discusses why the new 2025 interpretive rule is wrong, and provides suggestions for state policy advocates on how to “preemption proof” their state laws.
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