In this Order, the Commission provides guidance and direction pertaining to the Public Conference 59 (“PC 59”) Work Group’s Report on Proposed Limited Income Mechanism for Utility Customers. For the reasons detailed below, the Commission approves the general design of the proposed Limited Income Mechanism (“LIM”), recommends guidance on further details, and approves Phase II…
The National Consumer Law Center and the American Financial Services Association do notagree on everything, but we agree on this: HB 4141 should not pass as written. Many companiesoffering debt resolution services do more harm than good, and HB 4141 would enable rapidproliferation of these kinds of companies and their services in Oregon, displacing legitimate…
Read More about Joint NCLC-AFSA Letter Opposing Oregon Bill to Weaken Consumer Protections (HB 4141)
New York has passed the first comprehensive law to protect shoppers who use Buy Now, Pay Later (BNPL) loans. Some details remain to be fleshed out through regulations, and the law does not address every issue BNPL borrowers may face. But it is a significant step forward and provides a helpful roadmap for other states.…
Read More about States Can Protect Buy Now, Pay Later Borrowers
NCLC, National Consumers League, Consumer Action, and Electronic Privacy Information Center filed Reply Comments urging the Federal Communications Commission to strengthen its rules to require blocking scam calls and texts, prohibit foreign calls that spoof U.S. phone numbers, and to improve rules under the Telephone Consumer Protection Act to make it easier for consumers to…
Read More about Reply Comments Urging FCC to Strengthen Rules Blocking Scam Calls and Texts
NCLC submittted testimony supporting Oregon HB 4116, which will prevent evasions of Oregon’s interest rate limits by opting the state out of a federal law that allows out-of-state, state-chartered banks to charge high rates not allowed in Oregon. The bill will prevent predatory “rent-a-bank” lenders that charge annual percentage rates (APRs) of 200% and higher…
Read More about Testimony Supporting Oregon HB 4116 Opting Out of DIDMCA
A new breed of payday loans, so-called earned wage access products, exacerbate affordability problems by taking hundreds of dollars per year from low-wage workers. This written testimony from NCLC supports a Maryland bill that will prevent manipulations that increase fees and make workers pay to be paid. NCLC’s testimony also suggests several amendments to the…
Read More about Written Testimony in Support of Maryland Earned Wage Revisions
The Massachusetts Department of Public Utilities expanded the state’s winter utility disconnection moratorium, to begin on October 27, 2025 and ending on April 1, 2026. This temporary expansion of the moratorium will protect utility customers who usually receive assistance through the Low Income Home Energy Assistance Program (LIHEAP or HEAP), but are still waiting for…
NCLC strongly supports IDFPR’s proposed regulations to regulate shared appreciation agreements (also known as HEI loans). But we also have a number of suggestions for making the rules clearer and stronger.
NCLC joined several other organizations in filing a reply brief to the Federal Communications Commission. In July, we had filed an Application for Review asking the agency not to delay for 2 years the implementation of regulations that set price caps on phone and video communications for incarcerated folks to make them more affordable. These…
Six national consumer groups submitted comments opposing the FCC’s Direct Final Rule which proposes an expedited procedure that potentially enacts important regulatory changes without providing interested parties and the public with legally required opportunities for comment and judicial redress.
Read More about Adverse Comments of Six National Consumer Groups Opposing FCC's Direct Final Rule
To protect homeowners, states can classify HEI loans as mortgages subject to consumer protections, require caps on the maximum repayment amount, and mandate counseling for borrowers.
Read More about What States Can Do to Protect Homeowners from Home Equity "Investment" Loans
NCLC met with legal counsel for FCC Chairman Carr to urge the Commission to maintain strong rules allowing consumers to revoke consent to receive robocalls.
Read More about NCLC Ex Parte Letter on TCPA Consent Revocation Rules
