Defending Student Loan Cancellation
Two cases before the U.S. Supreme Court challenge President Biden’s transformational plan to cancel up to $20,000 in student debt for eligible borrowers.
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New Department of Energy’s Standards for Refrigerators and Clothes Washers Will Help Low-income Families With Their Energy Bills
The U.S. Department of Energy proposed new, more energy-efficient standards for refrigerators, freezers, and clothes washers – with strong support from NCLC.
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Fighting Junk Fees
Consumers pay tens and maybe even hundreds of billions of dollars a year in junk fees. Here are highlights of NCLC’s work to bring an end to them.
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Digital Library: Protecting Awards for Named Plaintiffs; Other Class Action Practice Tips
This article provides practical steps to respond to an Eleventh Circuit ruling challenging extra recoveries for class action named plaintiffs—a ruling that could otherwise have serious consequences for the prosecution of consumer class actions. The article also includes other class action practice tips. The article explains how the Supreme Court’s Ramirez ruling should breathe new life into…
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NCLC Digital Library: New Rules Limit Fees and Use of Campus Prepaid Cards, Effective July 1
Many higher education institutions use prepaid cards or identification cards linked to bank accounts to disburse financial aid credit to students. Financial aid credit is a student’s remaining financial aid funds after tuition payment and other direct payments to the school have been made. Schools contract with third party card servicers to steer students into…
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Enforcing the CARES Act Credit Reporting Protections
The economic harm caused by the COVID-19 pandemic will soon translate into pervasive credit reporting harm, as millions of consumers become unable to pay their credit obligations, and creditors, debt collectors, and others furnish negative information about them to the nationwide consumer reporting agencies (CRAs). This NCLC Digital Library article explains how consumers can protect…
Read More about Enforcing the CARES Act Credit Reporting Protections
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NCLC 2022: By the Numbers
The National Consumer Law Center advanced consumer justice in many ways in 2022. In addition to direct advocacy on behalf of low-income consumers, we provided training to the consumer law community through in-person conferences, digital articles and publications, online resources, and in the media. Here’s a look at NCLC in numbers in 2022. Conferences In-person conferences:…
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NCLC’s Year in Consumer Justice: 2022
Advocates worked on multiple fronts to protect low-income consumers and fight for racial justice and equity In courts, legislatures, and agencies, advocates at the National Consumer Law Center (NCLC) made strides in 2022 to preserve homeownership and access to utilities; combat damaging credit reports, wage garnishment, and predatory loans; reduce medical debt and student loan…
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Need Help With Debts? Don't Get Burned by Scammers - Know the Facts About Debt Relief
Debt relief is the generic name for different ways you can manage your bills. This fact sheet covers different types of debt relief and what you should watch out for. Debt relief scammers often target people in financial distress, such as those affected by a natural disaster. So people looking for assistance after a hurricane,…
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Deciding Whether to File Bankruptcy
This article describes how bankruptcy can help consumers, and when it may be the wrong solution. It also describes the difference between chapter 7 and 13 bankruptcies, the best time to file for bankruptcy, and what a bankruptcy will cost. The article also corrects common misconceptions about bankruptcy.
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Essentials About Credit Reporting
Understanding how a credit report works and how it affects a family is critical in allowing families to make the right choices in dealing with debt and other obligations. This article sets out what families in financial difficulty should know about credit reporting and credit scores, including what they are, at what point non-payment affects a…
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