John Rao is a senior attorney with the National Consumer Law Center (NCLC) focusing on consumer credit, mortgage servicing, and bankruptcy issues. He appears frequently as a panelist and instructor at bankruptcy and consumer law trainings and conferences, serves as an expert witness in court cases, and provides testimony, comment and assistance to members of…
Robyn Smith is of counsel with the National Consumer Law Center (NCLC) concentrating on student loan and for-profit school issues. She also works on these issues as a senior attorney at the Legal Aid Foundation of Los Angeles. In 2024, Robyn was appointed to the Advisory Committee of the Bureau for Private Postsecondary Education, the…
Andrew Pizor is a senior attorney at the National Consumer Law Center (NCLC). He works on a range of issues, including mortgage financing, defending homeowners from foreclosure, and protecting consumers from abusive debt relief and credit repair services. Andrew also assists advocates with credit math calculations. He is a co-author of Mortgage Lending, Mortgage Servicing…
Willard Ogburn is a Senior Fellow at the National Consumer Law Center (NCLC) and previously served as Executive Director. Will has presented, testified, and written widely about consumer law, particularly as it relates to low-income consumers. Before joining NCLC, Will worked in the Office of the President, Congress’ Legislative Reference Service, as Deputy Commissioner of…
Sarah Bolling Mancini is Managing Director of Advocacy at the National Consumer Law Center (NCLC) focusing on foreclosures, mortgage lending, and credit reporting issues. Sarah is a co-author of the report, Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss and lead author of Unmet Promise:…
Karen Lusson is a senior attorney at the National Consumer Law Center (NCLC) focusing on energy and utility affordability issues affecting financially struggling utility customers. Karen is a contributor to NCLC’s treatise Access to Utility Service, and authored Protecting Access to Essential Utility Service During Extreme Heat and Climate Change. She also co-authored the Ensuring Consumer Protections in…
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 and Acting Co-Director of Federal 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…
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…
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