Coalition Comments on CFPB's Proposed Rule Governing Overdraft Lending at Very Large Financial Institutions
The proposed rule would stop big banks from using junk overdraft fees to exploit families living paycheck to paycheck.
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Consumer Group Comments Urging CFPB to Continue and Expand its Auto Data Collection Project
Consumer groups applaud the Consumer Financial Protection Bureau (CFPB) effort to improve the collection and dissemination of auto finance data as part of its efforts to monitor the auto finance market for risks to consumers.
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Comments to VA Regarding Proposed Revisions to the VA-Guaranteed or Insured Interest Rate Reduction Refinancing Loans Program
NCLC and CRL support the proposed rule but have a number of recommendations, including adding protections to protect distressed borrowers and prevent the misuse of escrow account refunds; removing repayment-plan payments from the definition of “monthly payment” used for the seasoning rule; and working with Congress to determine whether statutory changes are necessary to prevent…
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Consumer Group Comments in Support of Clarifying That a Private Right of Action Exists When Telemarketers Fail to Provide Correct Caller ID
The FCC promulgated the requirement in 47 CFR 64.1601(e) that telemarketers must provide a caller ID pursuant to its authority to issue regulations for the Do Not Call Registry, meaning that a telemarketer's failure to provide the correct caller ID leads to the damages under the TCPA.
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Consumer Groups Support of One-to-One Consent Rule
As illustrated in the hundreds of express comments filed in this proceeding from small businesses that are not lead generators or telemarketers, the “economic consequences” of the Commission’s order will be overwhelmingly positive for small business because telemarketing messages to their telephones cost them– in money, time, and missed calls.
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Comments in DPU 24-15, Inquiry into Energy Burden and Energy Affordability
These comments discuss energy affordability programs and consumer protections, including Percentage of Income Payment Plans (PIPPs), tiered discounts, disconnection protections, extreme heat protections, and other utility consumer protection issues.
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Comments on MA Attorney General's Office's "Junk Fees" Proposed Regulations, in which we discuss Junk Fees for Justice-Involved Consumers
NCLC submitted comments in response to the Massachusetts AGO's proposed regulations on unfair and deceptive fees, often referred to as “junk fees.”
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Comments of Seven National Consumer Groups Encouraging the FCC to Act More Aggressively to Stop Scam Texts
Scam texts remain a significant problem for U.S. cell phone users. The FCC has the tools to identify the platforms that transmit the scam texts, and it should create incentives to encourage those platforms to stop sending scam texts.
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Comments on Treasury Department's Request for Information on Financial Inclusion
NCLC submitted comments in response to the Treasury Department’s request for information on developing a national strategy for financial inclusion. Our comments begin by addressing some of the risks associated with expanding the use of alternative data in credit reporting and argue that “alternative” data is best left outside of the main credit reporting file.…
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Healthcare and Consumer Groups Comments on Facility Fee Junk Fees
This is a comment responding to the FTC’s proposed junk fee rule from organizations focusing on health and consumer protection issues, including medical debt, disability rights, health equity, and economic justice. The comment focuses on the application of the proposed rule to “facility fees,” which are charges that ostensibly cover the operational expenses of hospitals.…
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Coalition Reply Comments to the FCC Regarding New Rules to Prevent SIM Swap and Port-out Fraud
Reply comments applaud the FCC for its response to carrier vulnerabilities leading to SIM swap and port-out fraud.
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Comments re: Bureau of Prisons' Proposed Rule on "Reservation of Funds for Reentry Under the First Step Act"
NCLC submitted comments, co-authored by the Fines and Fees Justice Center and joined by five other organizations, in response to the Bureau of Prisons’ (“BOP”) Proposed Rule on “Reservation of Funds for Reentry Under the First Step Act.” In these comments, we argue that the BOP must revise its Proposed Rule to better accord with…
