Comments in Massachusetts D.P.U. 25-200
These written comments to the Massachusetts Department of Public Utilities oppose adding increased fixed charges to utility bills.
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NCLC, NACA, NHLP, NLIHC, and PolicyLink Comments re: the FTC's Unfair or Deceptive Rental Housing Fee Practices ANPRM, Project No. 207011
These comments discuss the dizzying array of junk fees tenants pay to secure and maintain rental housing and how these fees contribute to housing unaffordability and precarity. In addition, these comments provide evidence showing the prevalence and persistence of these fees in the rental housing market. This evidence includes data from a survey that NCLC…
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Letter to Treasury Regarding the Privacy Act; System of Records Notice (SORN)
On behalf of the clients and communities we represent, wrote to strongly oppose theDepartment of Treasury system of records notice (“SORN”) published on February 4, 2026. Because it is overbroad and imprecise, the SORN represents a significant and unwarrantedinvasion of individual privacy by the federal government. This baseless violation of privacywould extend even to individuals…
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Comments Opposing Changes to the CFPB Complaint Portal That Discourage Credit Reporting Complaints
This NCLC comment expresses strong opposition to changes proposed by the Consumer Data Industry Association (CDIA) that would throttle the number of complaints filed with the CFPB against the three Big Three credit bureaus (Experian, Equifax and TransUnion). The comments object to the CFPB’s action in already adopting one of the changes demanded by CDIA,…
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Comments to the California DFPI: Regulate Credit Bureaus
These are comments to the California Dept of Financial Protection and Innovation (DFPI) in response to its request for comments on a potential rulemaking to regulate consumer reporting agencies.
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Legal Aid Comments to the Department of Education on Proposed Student Loan Repayment and Rehabilitation Rules
Legal assistance groups that provide free legal assistance to low-income people submitted these group comments in response to the Department of Education’s proposal to implement changes made by the One Big Beautiful Bill Act (“OBBB”) to rules governing federal student loan repayment, deferrals related to economic hardship and unemployment, and rehabilitation of student loans out…
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Comments to the Treasury about Proposed Federal Debt Collection Regulations
NCLC filed comments with Treasury in response to proposed amendments to federal debt collection regulations. Comments raised concerns about the need for additional protections to ensure actual notice when creditor agencies provide notices electronically and concerns about overly loose matching criteria, potentially leading to Treasury offsets affecting the incorrect consumer. They also explained the need…
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Reply Comments Regarding Appropriate Classification of Certain Types of VoIP Provider
NCLC et al. submitted reply comments urging the FCC not to classify all forms of VoIP as a telecommunications service, as doing so would undermine enforcement efforts against those VoIP providers that expose U.S. subscribers to criminals.
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Comments on the Application to Charter Enova Interim Bank & Acquire Grasshopper Bank
NCLC, on behalf of our low-income clients, submitted comments on the application to the Office of the Comptroller of the Currency (OCC) and to the Federal Reserve Board (Fed) to charter Enova Interim Bank and to acquire Grasshopper Bank, NA. The OCC and Fed should deny Enova’s application. At a time when President Trump is…
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Comments of the Maryland Energy Advocates Coalition On the Need and Proposals for a Low-Income Affordability Plan
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…
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Reply Comments of the Maryland Energy Advocates Coalition Regarding PC59
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…
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Maryland Energy Advocates Coalition Working Group Comments on 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…
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