Protect Students and Taxpayers Send School Accountability Priorities Letter to Congress
Twenty-three organizations wrote to Congress to urge it to prioritize the following policies:
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Senate Bill 825 (Limón) - SUPPORT
This bill amends the California Consumer Financial Protection Law (CCFPL) to clarify and underscore theauthority of the Department of Financial Protection and Innovation (DFPI) to enforce consumerfinancial protection laws to safeguard consumers from deceptive and predatory practices.
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Letter Urging Veto of MD HB 1294, Earned Wage Advance
The National Consumer Law Center is among 49 groups urging Maryland Governor Moore to veto HB 1294, which would carve loopholes in Maryland’s 33% interest rate limit for earned wage advances and other fintech payday loans.
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Rural Power Coalition 200+ Letter to Senate HELP Regarding the Need to Reinstate LIHEAP Staff
A coalition of organizations particularly concerned with the disruption to the LIHEAP program to rural communities sent a letter to the Senate HELP Committee to urge the immediate reinstatement of the HHS LIHEAP staff.
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Comment to the CFPB's Request for Information Regarding the Collection, Use, and Monetization of Consumer Payment and Other Personal Financial Data
Consumers need clarity about their rights when companies collect, use, and monetize their payment and personal financial data. Without strong consumer protections, consumers will be harmed when that information is shared and used to make decisions about the consumer- particularly when that information may be incorrect. Consumers need to be able to correct any errors…
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S1310/A4598 Will Harm NJ Consumers
S1310/A4598 will hurt New Jersey consumers by legalizing debt adjustment, also known as debt settlement. Debt adjustment is one of the worst options for people in debt.
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NCLC Comments to CFPB Proposed Rule to Regulate Data Brokers under the FCRA
These are NCLC’s comments supporting a proposed rule by the Consumer Financial Protection Bureau to regulate certain data brokers as “consumer reporting agencies” under the Fair Credit Reporting Act. The proposed rule:
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Letter to Members of Congress to Protect Protections and Relief Programs for Student Loan Borrower
This large coalition letter requests that Members of Congress protect higher education and student loan borrower funding during the reconciliation process.
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Why Debt Settlement is Bad for People in Debt
Debt settlement doesn’t work. It hurts people in debt. And it hurts businesses too. This document lists the many reasons why consumers should avoid debt settlement companies and why state legislators should do more to restrict it.
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Amicus Brief: Laboratory Corporation of American Holdings v. Davis
NCLC joined an amicus brief authored by Schnapper-Casteras PLLC with AARP, PJ, AAJ, the Impact Fund, NELA, and DRA in support of the Respondents in this case before the U.S. Supreme Court, which argues that putative class members are not required to each prove that they have Article III standing before a class is certified.
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Repay or Die Trying: Proposal to Eliminate Income-Driven Repayment (IDR) Plans Threatens to Swell Ranks of Older Adults Struggling with Student Debt
More than 13 million people rely on Income-Driven Repayment (IDR) plans to repay their federal student loans. IDR plans provide borrowers who cannot afford standard, fixed payments with an alternative way to repay based on their income and family size and to become student debt-free by making up to 25 years of payments.
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Left Out to Dry: Proposals to Streamline Student Loan Repayment Eliminate Affordable Pathways for Parent Borrowers
Parent PLUS loans are federal loans made to parents to help pay for their children’s college education. There are currently over 3.6 million people with Parent PLUS loans. A significant portion of today’s parent borrowers are very low-income and are struggling with repayment. Currently, they can access lower payments to help avoid distress and default…