Overview: What States Can Do To Help Struggling Consumers
This overview provides a list of common consumer problems coupled with state-based policy solutions.
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National Consumer and Privacy Groups Opposition to a Stay of 1-to-1 Consent Regulation
This filing was submitted to urge the FCC not to act on the “Emergency Petition for Commission to consider a stay of effective date of one-to-one rule in light of Executive Order” filed by the group known as Responsible Enterprises Against Consumer Harassment, MBC (R.E.A.C.H.). Given the harm to consumers and small businesses that would…
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Comments to the Dept. of Ed. re: Proposed Regulations on Borrower Defenses and Use of Forced Arbitration by Schools
These comments, submitted on behalf of organizations across the country that provide free legal assistance to low-income student loan borrowers, address the Department’s proposed changes to regulations previously promulgated to protect federal student loan borrowers and taxpayers from misconduct and closures by schools. We urge the Department to change course, as the proposed rules would…
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NCLC Breakdown of Kansas Municipal Court Debt Data
The Kansas Department of Administration produced data to NCLC documenting $76,774,357 in Kansas Municipal Court debts that were outstanding in its system as of June 2023. NCLC organized the records into categories and sub-categories to better understand the types of debts in collection in Kansas Municipal Courts. Kansas Municipal Debt, broken down into categories by…
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Joint Letter Regarding Veterans Affairs Servicing Purchase
This joint industry and advocacy letter was sent to House and Senate Veterans’ Affairs committees urging Congress to maintain the Veterans Affairs Servicing Purchase (VASP) until other foreclosure options are in place for VA borrowers.
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Comments to the FDIC Regarding Recordkeeping for Custodial Accounts
NCLC, on behalf of its low-income clients, supports the FDIC’s proposed rule regarding record keeping of custodial accounts, but urges the FDIC to do more. Custodial accounts impact consumers who “bank” with fintech nonbank companies offering banking services. The proposed rule will help ensure that records are up to date, which will ensure that consumer…
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NCLC/CRL Comments in Response to Draft Handbook 4000.1
NCLC and CRL submitted comments in response to FHA’s draft handbook that support that draft and offer areas for improvement.
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Joint Industry and Advocacy Comment on Draft FHA Handbook
In this letter, consumer advocates and mortgage industry trade associations support HUD’s draft loss mitigation waterfall and make suggestions for improving it.
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Checklist for Identifying a Zombie Second Mortgage
The NCLC Zombie Mortgage Checklist provides suggestions for gathering information and documents to help determine if an advocate’s client has a zombie second mortgage and if there may be claims against the lender or servicer that would enable a client to challenge the foreclosure, negotiate an affordable loan modification, and obtain other relief to allow…
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Bounce Protection: How Banks Turn Rubber into Gold by Enticing Consumers to Write Bad Checks
Banks are aggressively marketing a new form of high cost credit intended to boost their fee income at the expense of the most vulnerable consumers. These products are based on overdraft protection, but are not traditional overdraft lines of credit or the occasional ad hoc practice where a bank will cover a consumer’s bounced check…
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Group Letter to the FCC re: Implementation of the Martha Wright Reed Just and Reasonable Communications Act, WC Docket Nos. 12-375, 23-62
This letter lays out how the Commission should efficiently and justly continue to implement the Martha Wright Reed Just and Reasonable Communications Act. The actions the Commission should take include: (1) adopting permanent rate caps on incarcerated people’s communications services (IPCS); (2) collecting data regarding IPCS video costs and other aspects of the marketplace; (3)…
