NCLC supports Rep. Correa’s Student Loan Bankruptcy Improvement Act, which would give a meaningful opportunity for financially distressed Americans to discharge student loan debts in bankruptcy by changing the standard used by courts in handling requests for discharge.
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NCLC, on behalf of its low-income clients, submitted testimony to the Senate Committee on Appropriations, Subcommittee on Labor-HHS-Edu on FY 2026 LIHEAP appropriations. The testimony makes the case for, at a minimum, level funding of $4.1 billion, but ideally full funding at $5.1 billion.
This one-pager provides quotes from Massachusetts residents who lost their driver’s licenses due to unpaid fines and fees. The harms inflicted on these residents underscores the urgent need to pass the Road to Opportunity Act: An Act to increase opportunity by ending debt-based driving restrictions (H.3662/S.2368).
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NCLC supports the passages of LD 1901, An Act to Regulate Shared Appreciation Agreements Relating to Residential Property that provides necessary boundaries around Shared Appreciation Agreements, a complex financial product that is often marketed without clear disclosure or regard for long-term impacts on homeowners. It ensures transparency, fairness, and accountability—especially for vulnerable consumers.
This is a s sign on letter to the FCC in support of the National Congress of American Indians and the Navajo Nation’s request for a Tribal Licensing Window re the AWS-3 reauction (spectrum). This would provide tribal nations with spectrum rights over their land and facilitate closing the digital divide.
NCLC–along with the Electronic Privacy Information Center (EPIC), Prison Policy Initiative (PPI), and The Utility Reform Network (TURN)–filed an amicus brief in the First Circuit supporting the Federal Communications Commission’s (FCC) rule on incarcerated people’s communications services. The rule implements the Martha Wright Reed Just and Reasonable Communications Act by setting permanent call rates and…
NCLC submitted testimony to the Colorado Senate Judiciary Committee in support of HB25-1026, “Repeal Copayment for Department of Corrections Inmate Health Care.” People incarcerated in jails and prisons throughout the United States are routinely charged fees and costs for medical care that are inconsistent with their lack of financial means. When people can’t afford to…
This bill amends the California Consumer Financial Protection Law (CCFPL) to clarify and underscore theauthority of the Department of Financial Protection and Innovation (DFPI) to enforce consumerfinancial protection laws to safeguard consumers from deceptive and predatory practices.
National groups urge the CFPB to issue its proposed rule codifying the application of the FTC’s Credit Practices Rule to financial institutions (Reg AA), and adopting three important new consumer protections. The proposed rule would forbid covered entities from including in their contracts 1) any clause that waives legal rights designed to protect consumers, 2)…
Consumers need clarity about the application of the EFTA and Regulation E to emerging payment mechanisms. More specifically, consumers utilizing crypto-assets as payments and holding funds in accounts through gaming platforms, credit card rewards, and similar devices need the protection of the EFTA— its error resolution procedures, limits on consumer liability for unauthorized EFTs, and…
This comment letter makes suggestions to FHA’s proposed Equity Saver Sale (ESS) program in order to make it more efficient for FHA, borrowers, and mortgage servicers.
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This joint advocacy and industry letter supports FHA’s loss mitigation program.
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