Resources Archive

What States Can Do to Protect Tenants from Rent-Splitting Loans

October 20, 2026

As renters across the country face increasing housing insecurity, new rent-splitting products are adding expense and risk. Companies selling rent-splitting loans, also known as “rent now, pay later,” claim to solve tenants’ “cash flow problem” by allowing tenants to break rent into multiple payments. Instead, these loans come at a cost and risk increasing financial…

Greenidge v. Hometap Equity Partners, LLC, et al.

May 18, 2026

Keicha Greenidge & Ryan P. Billey, on behalf of themselves and all others similarly situated v. Hometap Equity Partners, LLC & Hometap Investment Partners III SPV, 3:26-cv-01431 (D.N.J.) This class action complaint seeks relief for homeowners against predatory mortgage lender Hometap Equity Partners and its affiliates. The case asserts that the defendants dupe unsuspecting homeowners…

Black Families Likely to See Steep Rise in Medical Debt

October 14, 2026

Longstanding structural inequities in access to housing, employment, health care, and health insurance make Black families more likely to incur medical debt. This issue brief explores the unique impact of medical debt on Black people and how it worsens existing disparities.

Line ID Explainer for TCPA Guide

October 22, 2026

This document is an additional resource for the TCPA Claim Guide.

Telephone Solicitation & Advertisement Explainer for TCPA Guide

October 22, 2026

This document is an additional resource for the TCPA Claim Guide.

AI Voice Explainer for TCPA Guide

October 22, 2026

This document is an additional resource for the TCPA Claim Guide.

Comments in Opposition to AI Calls Petition

October 5, 2026

Political robocalls are deeply invasive of privacy and removing the prior express consent requirement is wholly inconsistent with the public interest and the objectives of the TCPA. In these comments, we urge the commission to deny the Waiver Petition before the upcoming November midterm elections and send a strong message that the law protects consumers…

Opposition Memo to Massachusetts Omnibus Energy Bill Section on Tariffed On-Bill Financing

October 13, 2026

Inclusive Utility Investment (IUI), also known as Tariffed On-Bill Financing, creates significant risks to energy affordability and access, as discussed further below, and would place many utility customers at risk of shutoff of essential utility services. In the event this provision is not struck, we urge you to:

TCPA Claim Guide

October 22, 2026

Was that call legal? This is a guide to spotting violations of the Telephone Consumer Protection Act. The Telephone Consumer Protection Act (TCPA) prohibits certain annoying, automated calls and telemarketing messages. It allows individuals to sue for up to $1,500 per illegal call or text. Use the guide to answer questions about the calls or…

Utility Exec and Consumer Advocate: Arrearage Management Programs Are a Win for Customers and Utilities

June 8, 2020

Arrearage Management Programs (AMPs) are a type of utility affordabilty program that helps households to stay current on their utility bills. This opinion piece from Utility Dive explains why both consumer advocates and utility companies suppport AMPs.

Comments to the FTC's Proposed Enforcement Policy Statement Regarding Personalized Pricing

September 25, 2026

These are comments from a coalition of consumer groups and consumer law academics regarding the Federal Trade Commmission (FTC)’s proposed guidance requiring disclosure of personalized (aka surveillance) pricing. The comments support the FTC proposal but urge the Commission to go further and ban some forms of personalized pricing.

Coalition Letter Calling for Oversight of Department of Education and Federal Student Loan Servicers

September 21, 2026

In this letter, 89 organizations representing millions of students, borrowers, workers, veterans, people of color, people with disabilities, and consumers write to sound the alarm on the unprecedented levels of confusion, misinformation, servicing errors, and administrative failures that millions of student loan borrowers are being forced to navigate as implementation of the One Big Beautiful…

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