Resources Archive

Rodriguez v. Riverstone Communities Complaint

NCLC and the North Carolina Justice Center filed a class action attacking a scheme by which used manufactured houses are sold to low-income families through a highly unfair contract-for-deed arrangement. Purchasers don’t receive title until they pay the total purchase price plus fees over 60 monthly installment payments, and they’re responsible for their own repairs,…

Coalition Letter to CFPB Regarding Training Repayment Agreement Provisions (TRAPs)

September 9, 2022

Letter to Gov. Newsom Requesting Signature on Keep Families Connected Act

September 2, 2022

The National Consumer Law Center requests your signature on Senate Bill 1008, the Keep Families Connected Act, which would provide free phone calls in all California juvenile halls and state prisons and remove a heavy financial burden imposed on incarcerated people and their loved ones and support systems.

Amended Complaint in Barber v. Department of Education Case

NCLC and Student Defense, with support of the Student Borrower Protection Center filed an emergency APA lawsuit in the D.C. District Court against the U.S. Department of Education seeking to stop its garnishment of wages from defaulted student loan borrowers and to force the agency to immediately comply with Sec. 3513 (e) of the CARES Act that…

NCLC v. U.S. Department of Education

The National Consumer Law Center has filed a federal lawsuit against the U.S. Department of Education, asking the court to compel the Department to comply with a Freedom of Information Act (FOIA) request submitted by NCLC on October 10, 2017. The complaint, filed in the U.S. District Court for the District of Massachusetts, seeks the…

Instead of Predatory Loans, a Variety of Strategies Can Help People to Address Budget Shortfalls

February 1, 2022

The Veterans and Consumers Fair Credit Act will cap interest on personal loans at 36%. Predatory, high-interest loans do not help people, they only put people deeper in debt and make problems worse. There are no easy answers to not having enough money, but consumers can and already do make use of a wide range of safer and more affordable options when times are tough.

Consumer Stories Show Congress Must Protect Consumers from Predatory Lending

February 1, 2022

Since the American Revolution, states have limited interest rates to stop predatory lending. Although most states limit rates, loopholes and evasions make protections imperfect. These unscrupulous lenders target vulnerable consumers, including veterans, senior citizens, low-income consumers, rural consumers, and communities of color.

Protect Consumers from Predatory, Triple-Digit Interest Rate Loans

February 1, 2022

Congress should establish a simple, common sense limit on predatory lending by extending the Military Lending Act’s 36% interest rate cap to veterans, Gold Star Families, unactivated reservists, and all Americans.

Group Letter Urging Federally-Backed Investors & the CFPB to Improve Communications for Borrowers with Home Equity

August 31, 2022

A group of representatives from consumer advocacy, civil rights, and housing industryorganizations met to discuss an emerging issue. Namely, the rise in home prices over the last several years has resulted in positive equity for many homeowners, including borrowers who are delinquent and could possibly benefit from a retail sale of the property in lieu…

Comments to the Federal Reserve Regarding Docket No. R–1775: Proposed Regulation Implementing the LIBOR Act

August 29, 2022

We strongly support the Board’s proposed rule, particularly the determination that no conforming changes are needed for consumer loans. But we recommend two clarifications for non-covered consumer contracts: a) declare that the Board-selected benchmark replacement for non-covered consumer contracts is the same as the replacement selected for covered consumer contracts; and b) adopt a rule…

Opportunity Financial LLC v. the Department of Financial Protection and Innovation for the State of California

April 21, 2022

NCLC joined the Center for Responsible Lending, California Reinvestment Coalition, Consumer Federation of California, Public Law Center, and UC Berkeley Center for Consumer Law & Economic Justice in an amicus brief supporting the California Department of Financial Protection and Innovation in its effort to stop Opportunity Financial from evading California’s interest rate laws through rent-a-bank…

Rotkiske v. Klemm

January 8, 2019

The key question presented in this case is whether the discovery rule applies to toll the Fair Debt Collection Act’s (“FDCPA”) one-year statute of limitations. NCLC filed its own amicus brief in which we argued that debt collection, which affects millions of Americans each year, often is accompanied by deceptive or unfair practices, particularly by…

All Resources

Rodriguez v. Riverstone Communities Complaint

Coalition Letter to CFPB Regarding Training Repayment Agreement Provisions (TRAPs)

Letter to Gov. Newsom Requesting Signature on Keep Families Connected Act

Amended Complaint in Barber v. Department of Education Case

NCLC v. U.S. Department of Education

Instead of Predatory Loans, a Variety of Strategies Can Help People to Address Budget Shortfalls

Consumer Stories Show Congress Must Protect Consumers from Predatory Lending

Protect Consumers from Predatory, Triple-Digit Interest Rate Loans

Group Letter Urging Federally-Backed Investors & the CFPB to Improve Communications for Borrowers with Home Equity

Comments to the Federal Reserve Regarding Docket No. R–1775: Proposed Regulation Implementing the LIBOR Act

Opportunity Financial LLC v. the Department of Financial Protection and Innovation for the State of California

Rotkiske v. Klemm

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