Resources Archive

Sign-on Letter to Maryland PSC Re WGL's Compliance with a Gas Line Replacement Law

January 30, 2026

The letter is about the failure of a regulated gas company in MD (WGL) to comply with state law regarding gas infrastructure replacement, Next Generation Energy Act (modifies the STRIDE law), to prioritize safety and demonstrate cost effectiveness, including repair of gas lines over replacement. Marylanders are overpaying for gas because of industry abuses that…

Testimony Before the Subcommittee on Financial Institutions of the House Financial Services Committee Opposing Harmful Fair Credit Reporting Act Amendments

April 16, 2026

This NCLC testimony oppose 4 bills discussed at a hearing entitled “Promoting Access to Credit for Everyday Americans”. The bills are giveaways to the Big Three credit bureaus, touted as helping consumers but actually benefiting industry while harming everyday people. H.R. 5775, the FCRA Liability Harmonization Act, would dramatically reduce accountability for credit bureaus and…

NCLC, NACA, NHLP, NLIHC, and PolicyLink Comments re: the FTC's Unfair or Deceptive Rental Housing Fee Practices ANPRM, Project No. 207011

April 13, 2026

These comments discuss the dizzying array of junk fees tenants pay to secure and maintain rental housing and how these fees contribute to housing unaffordability and precarity. In addition, these comments provide evidence showing the prevalence and persistence of these fees in the rental housing market. This evidence includes data from a survey that NCLC…

Coalition Letter to Congressional Leaders Urging Oversight of the Federal Housing Finance Agency

April 2, 2026

This letter urges the House and Senate committees to do oversight hearings of the Federal Housing Finance Agency and catalogues the long list of actions the agency has taken in the last year that have undermined this agency’s independence and effectiveness, and have made our nation’s housing affordability crisis worse.

Tariffed On-Bill Financing Poses Significant Risks for Low-Income Consumers

March 31, 2026

This brief addresses consumer protection concerns with Inclusive Utility Investment (IUI)/Tariffed On-Bill Financing/Pay As You Save® (PAYS®) (referred to collectively as “TOB”), particularly the dangers of these loans for low-income consumers. It also recommends important state-specific considerations, guardrails, and safer alternatives. Although this brief focuses on protections for low-income residential customers, many of the recommended…

Letter to U.S. House In Support of PRICE Act

March 25, 2026

This letter urges the House leadership to include the PRICE Act in the larger homeownership bill package under consideration. The PRICE Act formally authorizes PRICE, a manufactured housing community revitalization program, at the U.S. Department of Housing and Urban Development (HUD), which would involve competitive grants to state and local government and manufactured home communities…

Testimony Before the House Committee on Veterans' Affairs on Lowering Costs for Veteran Families Through the VA Home Loan Program

March 26, 2026

Alys Cohen, Director of Federal Housing Advocacy at the National Consumer Law Center (NCLC) testified on behalf of the low-income clients of NCLC regarding the VA Home Loan Guaranty Program. NCLC supports the goal of promoting affordability for Veteran homeowners, and recognizes the key role the VA Home Loan Program plays in providing housing stability…

Letter to Urban Institute Regarding Report on HEI Loans

March 30, 2026

This is a letter on behalf of the National Consumer Law Center regarding the Urban Institute’s February 2026 research report (“Report”) on “shared equity products,” commonly known as “home equity investment loans” (“HEI loans”). We urge the Urban Institute to revise the Report to retract the inaccurate legal conclusions that HEI loans are not loans…

Energy Insecurity on the Rise: Preliminary Findings from the 2024 Residential Energy Consumption Survey

March 25, 2026

2024 Residential Energy Consumption Survey findings reflect a rise in home energy insecurity particularly among households of color, households in the South Census Region, and low-income households across the country. Recommendations include: implementation of enhanced bill assistance, energy efficiency, regulatory consumer protection programs and policies, along with investment in relatively low-cost renewable energy resources.

Group Letter to Senator Duckworth in Support of Amendment to Repeal the FCC's 2025 Order on Incarcerated People's Communications Services

March 24, 2026

This letter supports Senator Duckworth’s amendment to S.1962 to repeal the FCC’s 2025 Order on Incarcerated People’s Communications Services. The 2025 Order misapplies the historic, bipartisan reforms contained in the Martha Wright-Reed Just and Reasonable Communications Act, which the U.S. Senate adopted unanimously in 2021 and further sets aside the unanimous bi-partisan vote by the…

Amicus Brief in Moss v. Cleo AI, Inc.

March 11, 2026

NCLC and the Center for Responsible Lending submitted this brief to provide the Court with factual evidence concerning the similarities in product design, function, and consumer harms between Cleo AI, Inc.’s “Cash Advances,” often marketed as “Earned Wage Access,” and traditional payday loans. These products function as loans—app-based payday loans. Payday Loan Apps (“PLAs”) operate…

Testimony in Support of California AB 2122 (Ban Infraction Bench Warrants)

March 18, 2026

Eliminating infraction bench warrants will help end an unnecessary pipeline to incarceration that makesit harder for people to pay their debt, support their families, and achieve financial stability.

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