Our Services

State Advocacy

The National Consumer Law Center offers its consumer law expertise to legal services attorneys, private attorneys, and advocacy organizations who share our goals of consumer justice. We take positions on state legislation to protect consumers and offer a wide range of free resources for state advocates.

State Model Laws

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Model Law for Home Equity Investment Loans

September 3, 2025

Model Medical Debt Protection Act

March 28, 2025

Model State Coerced Debt Law

May 1, 2024

Model Mortgage Servicer Duty of Good Faith

January 2, 2024

Model Manufactured Home Community Stability and Preservation Act

December 28, 2023

Model Family Financial Protection Act

November 20, 2023

Model State Act Limiting Arbitration

January 17, 2017

Making Repossessions Safer and Fairer: Model Consumer Amendments to Uniform Commercial Code Article 9

June 1, 2016

Statute of Limitations Reform Act

December 2, 2015

What States Can Do

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What States Can Do to Protect Low-Income Families When Collecting Government Debts

November 21, 2025

What States Can Do to Prevent Medical Debt from Ruining Credit Reports: Recommendations in the Face of Potential Federal Preemption Threats

November 14, 2025

What States Can Do to Regulate Tenant Screening

November 14, 2025

What States Can Do About Medical Debt in Jails and Prisons

October 17, 2025

What States Can Do: Medical Credit Cards and Other Medical Lending Products

October 16, 2025

What States Can Do To Protect Heirs From Disaster Displacement

September 30, 2025

What States Can Do to Protect Homeowners from Home Equity “Investment” Loans

September 3, 2025

What States Can Do to Help Consumers: Energy Insecurity

June 16, 2025

What States Can Do to Help Consumers: Medicaid Estate Recovery

May 5, 2025