Testimony of NCLC Attorney John Rao at the U.S. House Judiciary Subcommittee Hearing on “Oversight of Bankruptcy Law and Legislative Proposals”
This testimony’s focus is on the discharge of student loans in bankruptcy
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NCLC Comments to the Advisory Committee on Bankruptcy Rules Concerning Proposed Changes to the Mortgage Claim Rule
The National Consumer Law Center,1 on behalf of its low-income clients, submits these comments to the proposed amendments to Bankruptcy Rule 3002.1 and new Official Forms.
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Sentenced to a Life of Debt: It Is Time for a Reassessment of How Bankruptcy Law Intersects with Fines and Fees to Keep People in Debt
Over the past several decades, bankruptcy gave tens of millions of Americans a fresh start free from crushing debt. Although criminal justice debt weighs disproportionately upon those with the least ability to pay, it has generally been excluded from bankruptcy’s fresh start. This exclusion has been grounded on the belief that allowing discharge of monetary…
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New Protections for Government Benefit Prepaid Cards
Effective April 1, 2019, a new Prepaid Accounts Rule issued by the Consumer FinancialProtection Bureau (CFPB) gives certain government benefit accounts new protections. Therule amends and enhances the protection that many government benefit accounts already haveunder the Electronic Fund Transfer Act (EFTA) and Regulation E.
Read More about New Protections for Government Benefit Prepaid Cards
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State Fact Sheets: Forced Arbitration Harms Consumers, Servicemembers, and Veterans
Forced arbitration clauses take away constitutional rights to a day in court when companies break the law. Instead of a judge, a private arbitrator, often chosen and paid by the company, decides cases in a secretive proceeding with no appeal. Below, we break down how each state is impacted by this harmful practice. Alabama Alaska…
Read More about State Fact Sheets: Forced Arbitration Harms Consumers, Servicemembers, and Veterans
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Practice Implications of June 25 Supreme Court Ramirez Decision
On June 25, 2021, the Supreme Court issued its anxiously awaited decision in TransUnion L.L.C. v. Ramirez. The 5-4 decision follows up on the Court’s 2016 decision in Spokeo, Inc. v. Robins, which, like Ramirez, also addressed whether the injury a consumer suffered due to an inaccurate credit report met the concreteness requirement for Article…
Read More about Practice Implications of June 25 Supreme Court Ramirez Decision
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Comments to the FTC Addressing Auto Sale Add-ons, Price and Financing Disclosures, Yo-Yo sales, and More
Access to a safe, affordable vehicle is increasingly limited for many consumers by sharply rising prices, burdensome accompanying debt obligations, and problematic dealer practices.
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Survey of State Foreclosure Laws
Foreclosure report by state.
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