Resources Archive

Legal Aid Comments on Proposed Rules on Financial Hardship-based Student Debt Relief

December 2, 2024

These comments, submitted on behalf of organizations across the country that provide freelegal assistance to low-income people, address the U.S. Department of Education’s proposed rules to clarify the use of the Secretary’s longstanding authority to grant a waiver of some or all of the outstanding balance on a federal student loan based on financial hardship.…

201 Groups Oppose Repealing CFPB Overdraft Fee Rule

February 5, 2025

The undersigned 201 consumer, civil rights, labor, legal services and community organizations and academics write to urge you to oppose efforts to overturn the Consumer Financial Protection Bureau’s overdraft fee rule, which will reduce most overdraft fees from $35 to $5, stop manipulative practices by big banks, improve transparency, and put $5 billion back into…

Testimony Against Washington Debt Adjustment Bill HB 1599

February 4, 2025

NCLC urges the Washington state House of Representatives to oppose HB 1599. This bill will substantially weaken Washington’s protections against unfair debt adjustment (debt settlement) services.

Letter in Opposition to New Mexico HB 59

January 31, 2025

HB 59 would exempt fintech payday loans from New Mexico’s lending laws and interest rate limits. The bill is based on the model law by the conservative American Legislative Exchange Council (ALEC). It offers a fee limit that would still result in triple digit APRs and mounting fees, places no cap on purportedly voluntary “tips”…

Joint Comments to CMS on Medicare Current Beneficiary Survey

June 25, 2024

NCLC filed comments with Justice in Aging and Community Catalyst to HHS to help better understanding the impact of medical debt on older adults. The comments support the addition of medical debt questions on the CMS Medicare Current Beneficiary Survey (MCBS), an annual survey of people covered by Medicare to better understand their health care…

The CFPB Medical Debt Collection Advisory Opinion Protects Consumers from Illegal Collection Practices