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.
Newsroom
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Biden Administration, FTC Must Crack Down on “Junk Fees” in Criminal Justice System
Organizations call on President Biden and the FTC to end abusive fees charged to incarcerated people and their families.
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Shennan Kavanagh to Join NCLC as Director of Litigation
BOSTON – The National Consumer Law Center is excited to announce that Shennan Kavanagh, the Chief of the Consumer Protection Division of the Massachusetts Attorney General’s Office, will join NCLC as the next Director of Litigation on February 13. Kavanagh’s career has been devoted to helping low-income consumers in both private practice and in the…
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TAB Bank, Facilitator of Predatory Puppy Loans, Gets Rating Downgraded by FDIC
The FDIC found that the Utah-based bank committed unfair or deceptive acts or practices that “impacted a large number of consumers over an extended period of time."
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Reverse Mortgage Servicing Problems Put Homeowners At Risk
Advocates Call On Federal Housing Agency (FHA) and the Consumer Financial Protection Bureau (CFPB) to Prevent Additional Home Losses WASHINGTON – There are roughly 480,000 reverse mortgages currently outstanding in the United States and this number is expected to grow as baby boomers age. But a new report, Unmet Promises: Reverse Mortgage Servicing Challenges and…
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Beware Holiday Shoppers: Deferred Interest Promotions Promise No Interest Now, but Can Cost Big Bucks Later
Download NCLC infographic of big ticket holiday gifts’ cost at time of purchase and with deferred interest: https://www.nclc.org/resources/dont-let-deferred-interest-ruin-your-holidays/ Boston – As Black Friday approaches, the National Consumer Law Center warns holiday shoppers of a lurking danger in the local mall, big box store or online: deferred interest promotions on credit cards. These promotions entice consumers with…
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Earlier Legislation
118th Congress (2023-2024) Access to Justice Banking, Payments & Remittances Consumer Protection Regulation Credit Reporting & Data Fairness Criminal Justice Debt & Bankruptcy Disaster Relief Energy Efficiency Energy, Utilities & Telecommunications Equity & Racial Justice High-Cost Credit Homeownership & Foreclosure Language Access and Immigrant Rights Payments & Payment Fraud Student Loans 117th Congress (2021-2022) Access…
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NCLC Publishes 2023 Edition of Surviving Debt: Expert Advice for Getting Out of Financial Trouble
The National Consumer Law Center releases the revised 2023 edition of Surviving Debt, which provides precise, practical advice for families and individuals living with debt burdens. BOSTON – The National Consumer Law Center (NCLC) has released the new and revised 2023 edition of Surviving Debt, the book recently named “best all-around guide to navigating debt”…
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Advocates Praise FHA’s Expansion of Access to Foreclosure Alternatives
Advocates applaud FHA's decision to give all borrowers facing financial hardship access to crucial foreclosure alternatives that the agency developed in response to the pandemic.
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Fannie Mae/Freddie Mac Note Sales Undermine Homeownership
Government-Sponsored Enterprises (GSEs) Undercut Goals of Expanding Homeownership Through Bulk Sales of Homes to Investors WASHINGTON – Today, the National Consumer Law Center released a report examining how Fannie Mae’s and Freddie Mac’s bulk sale of 700,000 home loans to private investors has undercut their goals of supporting and expanding homeownership. Fannie Mae and Freddie…
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Maryland Receives “D” Rating in Report, Fails to Protect Residents from Debt Collectors
BALTIMORE – With millions of families struggling to find financial stability as soaring inflation drives up the costs of basic necessities, our state legislature plays a vital role in protecting Maryland households from seizure of essential wages and property to pay old debts. But according to a new report from the National Consumer Law Center…
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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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