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…
This report is part of Confronting Criminal Justice Debt: A Comprehensive Project for Reform, a collaborative project by Criminal Justice Policy Program (CJPP) at Harvard Law School and the National Consumer Law Center (NCLC). This project includes three parts designed to assist attorneys and advocates working on reform of criminal justice debt:
Letter in support of the "Stay Cool" Act sponsored by Rep. Watson Coleman.
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Comments to inform the development of the EV Charging Program, addressing Sections 680.106, 680.112, and 680.116 of the proposed regulations.
Writing a letter to the editor (LTE) of your local or regional newspaper is a quick and effective way to reach a targeted audience. Members of Congress keep a close eye on media coverage back home and look to the letters page to keep their finger on the ‘pulse’ of their constituents.
Well-written letters from their constituents can have a big influence on legislators’ priorities and decisions. Just a couple of personal letters into an office over a short period of time can bring an issue to the attention of your legislator and have a big impact.
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Thirty-six percent is widely seen as the dividing line between affordable small-dollar loans and unaffordable, potentially predatory ones. Several states have capped interest rates at 36%, and Congress is considering doing so to stop the devastating impact that high-cost loans have on struggling families. But the question arises: Why 36%?
Steps the Federal Government Can Take in 2023 to Advance Racial Equity and Strengthen Consumer Protections Emerging from the pandemic families of color are trying to regain their financial footing amid rising inflation and increasing costs for housing and other necessities. Families face new challenges as government programs and supports end and resources are curtailed.…
Read More about No Rolling Back the Clock: Roadmap for an Equitable Economic Recovery in 2023
As the effects of the COVID-19 economic crisis continue, foreclosure prevention and accessible lending are key housing priorities for 2022. Mortgage market data demonstrate the need for stronger policies.
Read More about Ensuring Access to Sustainable Homeownership: 2022 Priorities
