Massachusetts HEAP Cold Relief Brochure '25-'26
Each year, Massachusetts publishes a brochure with key information on the state’s HEAP cold relief efforts.
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All Resources
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Disregarded and In Debt: Understanding Barriers to Relief for Victims of Coerced Debt
Coerced debt occurs when an abuser either fraudulently opens accounts in the victim’s name or coerces the victim into taking on debt they would not have otherwise obtained. This can be done by using threats, manipulation, or even physical force.
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Coalition Comment Urging CFPB to Keep a Strong Personal Financial Data Rights Rule
This is a comment from fifty-two (52) consumer, economic justice, privacy, and advocacy groups to the Consumer Financial Protection Bureau’s (CFPB) Advance Notices of Proposed Rulemaking reconsidering its final Personal Financial Data Rights rule implementing section 1033 of the Dodd-Frank Act. The comment strongly supports the current 1033 Rule as issued in October 2024 and…
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Notices of Ex Parte Presentations to FCC & Governmental Affairs Bureau Regarding Do Not Call & Opt-Out Rules
Summary of NCLC’s opposition to proposed NPRM that would eliminate TCPA regulations requiring callers maintain a company specific do-not-call list and honor do-not-call requests.
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Fact Sheet: Protecting Massachusetts Homeowners from Zombie Second Mortgages
S.1071 / H.1983: An Act relative to unlawful practices in the servicing and foreclosure of a subordinate mortgage provides a crucial lifeline for these homeowners. This legislation targets the predatory practices of zombie second mortgage investors and protects homeowners from unfair and deceptive tactics. It brings transparency and accountability to a system that has allowed…
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What States Can Do About Medical Debt in Jails and Prisons
Many jails and prisons charge various fees, such as medical co-pays, emergency fees, prescription co-pays, medical device fees, and fees for necessary hygiene items. This issue brief discusses the problems caused by such fees and proposes state solutions.
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Comments to Illinois Department of Financial and Professional Regulation on Shared Appreciation Agreements
NCLC strongly supports IDFPR’s proposed regulations to regulate shared appreciation agreements (also known as HEI loans). But we also have a number of suggestions for making the rules clearer and stronger.
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Coalition Letter to FCC Chairman Carr Regarding Critical Protections from Robocalls
In a letter to FCC Chairman Brendan Carr, 9 national consumer advocacy organizations urge that the proposed repeal of critical TCPA consumer protections NOT be included in the NPRM to be voted on at the next FCC Open Meeting.
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Comments to CFPB on the Legal Standard Applicable to Risk-Based Supervisory Designations
NCLC and the Consumer Federation of America submitted comments to the CFPB opposing the proposed rulemaking to define the risks to consumers that would qualify an entity for risk-based supervision. The proposed rule directly contravenes the intention of Congress to give the Bureau considerable discretion in its exercise of this supervision authority, and it attempts…
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Santiago v. D.R. Horton, Inc., and DHI Mortgage Company, Ltd.
Frankie Santiago, Nicole Nerohna, Joseph Neronha, Maria Neronha & Onny Jules, on behalf of themselves and all others similarly situated v. D.R. Horton, Inc., & DHI Mortgage Company, Ltd., 6:25-cv-01904 (M.D. Fla.) This class action lawsuit seeks relief from a deceptive home-selling and financing scheme employed by D.R. Horton Inc., the nation’s largest homebuilding company,…
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What States Can Do To Protect Heirs From Disaster Displacement
Disasters can create devastating housing and financial insecurity for working families. Owners of inherited family homes have a greater need and reduced access to vital disaster assistance funds. Inherited homes are more likely to be older and in physically inadequate conditions, increasing the likelihood that they will suffer damage in a disaster. Nearly one-third of…
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Strategies for Reducing Scam Calls and Texts by Holding Providers Accountable
There are strategies that would reduce or even eliminate harmful scam calls by holding the VoIP providers liable for their failure to police their own businesses.
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