NCLC, on behalf of our low-income clients, submitted comments on the application to the Office of the Comptroller of the Currency (OCC) to charter Enova Interim Bank and to acquire Grasshopper Bank, NA. The OCC should deny Enova’s application. At a time when President Trump is supporting a 10% interest rate limit on credit cards…
On November 16, 2023, the Public Service Commission (Commission) issued a Notice establishing an Administrative Docket PC 59 to consider proposals for limited-income mechanisms for utility customers. The Maryland Energy Advocates Coalition (MEAC) submitted these comments in response. MEAC’s mission is to focus on the circumstances, needs and solutions for the low-income households and communities…
The Maryland Energy Advocates (MEAC) submitted extensive comments and a proposed framework for a low-income Affordability Plan on January 31, 2024. MEAC later submitted the following Reply Comments. These stakeholders are unified in supporting a statewide low income affordable rate plan and reject the idea that households should receive varying benefits based on the utility…
Read More about Reply Comments of the Maryland Energy Advocates Coalition Regarding PC59
The Maryland Energy Advocates Coalition (MEAC) submitted comments in response to the Maryland Public Service Commission’s October 16, 2025, Notice of Comment and Hearing in Public Conference 59 (PC 59). MEAC has been an active advocate in the Commission’s process to consider adoption of a utility discount rate plan for low-income households in Maryland. MEAC…
Read More about Maryland Energy Advocates Coalition Working Group Comments on PC59
The proposed rule, which seeks to eliminate the Department of Housing and Urban Development’s (HUD) disparate impact regulation, will significantly undermine HUD’s enforcement of the Fair Housing Act’s protections against unlawful discrimination, and make it easier for lenders, landlords and other housing providers to evade the law. Victims of discrimination and the advocates and fair…
Read More about Comments to HUD on Their Disparate Impact Proposed Rule
The Federal Communications Commission (FCC) sought public comment on its proposed changes to regulations of Incarcerated People’s Communications Services (IPCS). These regulations apply to all state and federal prisons, local jails, and immigration detention centers. They were promulgated to protect incarcerated people and their loved ones from having to pay exorbitant amounts to stay in…
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
So-called “earned wage access products” are new forms of 300% APR payday loans, which have long been illegal in the District of Columbia. They present many of the same problems as traditional payday loans and are properly covered by the District of Columbia’s lending laws and interest rate limit.
NCLC submitted comments on the Office of the Comptroller of the Currency’s (OCC) proposed interest-on-escrow preemption determination and real estate lending escrow accounts rule, which exceed the agencyʼs power.
Read More about Comments on OCC Interest-on-Escrow Law Preemption
On December 30, 2025, the Office of the Comptroller of the Currency (OCC) requested comment on two proposals: a new rule regarding mortgage escrow accounts, and a determination that federal law preempts state laws requiring banks to pay interest on mortgage escrow accounts. The National Consumer Law Center submitted comments on both proposals on behalf…
The following comments were submitted in response to the Federal Trade Commission’s proposed settlements with General Motors, Jim Koons Management, and Lithia Motors. The proposed settlements attempt to address the practice of selling cars as “certified,” or with the use of similar terms, in which cars are advertised as thoroughly inspected and safe cars, despite…