John Howat has been involved with energy programs and policy issues since 1981. Areas of expertise include: design and analysis of low income energy affordability and efficiency programs, low-income utility consumer protection, energy expenditure and burden analysis, prepayment and advanced metering, utility credit reporting and utilization of credit scores, development and analysis of utility arrearage…
Berneta L. Haynes is a senior attorney at the National Consumer Law Center (NCLC) focusing on consumer energy policy and medical debt. At NCLC, she has written: Protecting Older Adults from Surprise Medical Bills; Tariff-based On-Bill Financing: Assessing the Risks for Low-Income Consumers; The Racial Health and Wealth Gap: Impact of Medical Debt on Black…
Richard Dubois has been Executive Director of the National Consumer Law Center (NCLC) since 2016. During his tenure, NCLC has continued to be the preeminent advocacy organization for low-income consumers and has grown considerably: NCLC currently has a staff of 65, including 30 advocates, and its annual budget is approximately $14.5 million, up from $8.1…
Caroline Cohn is a staff attorney at the National Consumer Law Center (NCLC) focusing on consumer protection to stop abusive practices perpetrated against justice-involved people and their loved ones. These harmful practices include government imposition of unaffordable fines and fees; criminal background screening practices that impede access to jobs, housing, and financial services; and predatory…
Alys Cohen is Director of Federal Housing Advocacy, leading NCLC’s national work on sustainable homeownership. Based in NCLC’s Washington, D.C. office, she also coordinates NCLC’s work on energy efficiency housing finance and disaster response. Alys is a member of the American Council for an Energy Efficient Economy’s (ACEEE) Research Advisory Board, where she helps to…
Carolyn Carter is a senior attorney at the National Consumer Law Center (NCLC) and previously served as deputy director and director of advocacy. She is the recipient of the NCLC’s 1992 Vern Countryman Award and served on the Federal Reserve Board’s Consumer Advisory Council from 2005-2007. She is a co-author or contributor to a number…
Jenifer Bosco is Managing Director of Energy Advocacy at the National Consumer Law Center (NCLC), focusing on energy and utility issues that affect low-income consumers, and medical debt collection issues. Leading NCLC’s energy work, Jenifer has advocated for low-income consumers in several states and has worked on transportation electrification policy and competitive energy supply issues. …
Michael Best is Director of State Advocacy at the National Consumer Law Center (NCLC) specializing in financial services issues including credit reporting, debt collection, and high cost lending. At NCLC, he has developed a state legislative program with a focus on reducing the amount of wages that can be seized and bank account balances that can…
April Kuehnhoff (she/her) is a senior attorney at the National Consumer Law Center (NCLC) focusing on federal and state fair debt collection advocacy. She also works on issues related to medical debt, consumer protections for renters, and criminal justice debt. April is the co-author of NCLC’s Fair Debt Collection and a contributing author to Surviving…
Stuart Rossman is of counsel to the National Consumer Law Center (NCLC) and served as its director of litigation from 1999 to 2024. Stuart is the co-editor of NCLC’s Consumer Class Actions. He is a past co-chair of the National Association of Consumer Advocates (NACA) Board of Directors. Since 1992, Stuart was been a member…
Geoffry Walsh is a senior attorney at the National Consumer Law Center (NCLC) focusing on foreclosure prevention, consumer bankruptcy, and other consumer credit issues. He has testified and provided written testimony on foreclosure policies at the federal and state levels. His work has focused on federal agency mortgage problems, foreclosure mediation, and bankruptcy topics. Geoff…
Carla Sanchez-Adams is a senior attorney at the National Consumer Law Center (NCLC) focusing on emerging issues in banking and payment systems, fintech, and the economic rights of survivors of domestic violence. Carla is board-certified by the Texas Board of Legal Specialization in Consumer and Commercial Law and serves as a member of the Texas…
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