This is written testimony to the DC Council Housing Committee on B26 0595 True Act, a ratio utility billing systems (RUBS) transparency bill. The testimony recommends the DC Council prohibit RUBS and lists the harms to tenants and to energy and water conservation goals for the District of Columbia. The testimony provides examples from other…
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This is sign-on testimony in support of Maryland HB1253 to stop the ability of regulated gas companies to put ratepayers on the hooks for tens of billions of dollars for gas line replacement that does not prioritize public safety, more cost effective alternatives and it stops the ability of gas companies to bypass the normal…
This NCLC testimony oppose 4 bills discussed at a hearing entitled “Promoting Access to Credit for Everyday Americans”. The bills are giveaways to the Big Three credit bureaus, touted as helping consumers but actually benefiting industry while harming everyday people. H.R. 5775, the FCRA Liability Harmonization Act, would dramatically reduce accountability for credit bureaus and…
Alys Cohen, Director of Federal Housing Advocacy at the National Consumer Law Center (NCLC) testified on behalf of the low-income clients of NCLC regarding the VA Home Loan Guaranty Program. NCLC supports the goal of promoting affordability for Veteran homeowners, and recognizes the key role the VA Home Loan Program plays in providing housing stability…
Eliminating infraction bench warrants will help end an unnecessary pipeline to incarceration that makesit harder for people to pay their debt, support their families, and achieve financial stability.
Read More about Testimony in Support of California AB 2122 (Ban Infraction Bench Warrants)
This written statement urges the House Financial Services Committee and Congress to:
Ohio H.B.534 weakens existing law and lacks adequate protections. Representatives should oppose it because it will hurt Ohioans.
NCLC submitted written testimony submitted to the Michigan House Committee on Regulatory Reform opposing H.B.5558 and associated bills. This proposed legislation would exempt a form of payday loan, so called “earned wage access” payday loans, from Michigan’s interest rate limits and transaction limits designed to prevent predatory lending.
Read More about Testimony in Opposition to H.B.5558 and Associated Legislation
This testimony supports HB 1148, which would provide heirs who inherit property much-needed assistance including assistance in avoiding tax sale. Maryland Legal Aid (MLA) testifies in strong support of this bill.
NCLC strongly supports Connecticut HB 5209. It will enact appropriate regulations to protect consumers from this high cost, high risk loan product.
Read More about NCLC Testimony in Support of Connecticut HB 5209, Regulating HEI Loans
This testimony supports Connecticut bill HB 5127, An Act Concerning Medical Credit Cards.
Read More about Written Testimony in Support of Connecticut HB 5127
This testimony provides support for Kansas HB 2754 — An Act Providing Civil Relief from Coerced Debt, a bill that offers a targeted, balanced, and urgently needed response to a form of economic abuse that traps survivors of domestic violence in long-term financial harm—often long after the physical abuse has ended.