Resources Archive

Comments to the Treasury about Proposed Federal Debt Collection Regulations

February 23, 2026

NCLC filed comments with Treasury in response to proposed amendments to federal debt collection regulations. Comments raised concerns about the need for additional protections to ensure actual notice when creditor agencies provide notices electronically and concerns about overly loose matching criteria, potentially leading to Treasury offsets affecting the incorrect consumer. They also explained the need…

Reply Comments Regarding Appropriate Classification of Certain Types of VoIP Provider

February 19, 2026

NCLC et al. submitted reply comments urging the FCC not to classify all forms of VoIP as a telecommunications service, as doing so would undermine enforcement efforts against those VoIP providers that expose U.S. subscribers to criminals.

Comments on the Application to Charter Enova Interim Bank & Acquire Grasshopper Bank

February 27, 2026

NCLC, on behalf of our low-income clients, submitted comments on the application to the Office of the Comptroller of the Currency (OCC) and to the Federal Reserve Board (Fed) to charter Enova Interim Bank and to acquire Grasshopper Bank, NA. The OCC and Fed should deny Enova’s application. At a time when President Trump is…

Public Service Commission of Maryland Order on Limited Income Mechanism for Utility Customers

February 12, 2026

In this Order, the Commission provides guidance and direction pertaining to the Public Conference 59 (“PC 59”) Work Group’s Report on Proposed Limited Income Mechanism for Utility Customers. For the reasons detailed below, the Commission approves the general design of the proposed Limited Income Mechanism (“LIM”), recommends guidance on further details, and approves Phase II…

Limited Income Mechanism for Utility Customers (Maryland)

October 1, 2025

This report was prepared for the Public Service Commission of Maryland by the PC59 Work Group, the Maryland Energy Advocates Coalition (MEAC), which includes the National Consumer Law Center. The Work Group developed and proposed a limited-income mechanism to help ensure customers have an energy burden of approximately 6%. The Work Group requests the Commission…

Comments of the Maryland Energy Advocates Coalition On the Need and Proposals for a Low-Income Affordability Plan

January 31, 2024

On November 16, 2023, the Public Service Commission (Commission) issued a Notice establishing an Administrative Docket PC 59 to consider proposals for limited-income mechanisms for utility customers. The Maryland Energy Advocates Coalition (MEAC) submitted these comments in response. MEAC’s mission is to focus on the circumstances, needs and solutions for the low-income households and communities…

Reply Comments of the Maryland Energy Advocates Coalition Regarding PC59

February 28, 2024

The Maryland Energy Advocates (MEAC) submitted extensive comments and a proposed framework for a low-income Affordability Plan on January 31, 2024. MEAC later submitted the following Reply Comments. These stakeholders are unified in supporting a statewide low income affordable rate plan and reject the idea that households should receive varying benefits based on the utility…

Maryland Energy Advocates Coalition Working Group Comments on PC59

October 16, 2025

The Maryland Energy Advocates Coalition (MEAC) submitted comments in response to the Maryland Public Service Commission’s October 16, 2025, Notice of Comment and Hearing in Public Conference 59 (PC 59). MEAC has been an active advocate in the Commission’s process to consider adoption of a utility discount rate plan for low-income households in Maryland. MEAC…

The Other Foreclosure Crisis: Property Tax Lien Sales

July 2, 2012

Much attention has been focused rightly on the home mortgage foreclosure crisis. The devastation it has caused individual homeowners, the housing market, and the broader national and international economies is unlike anything experienced since the Great Depression. It is not surprising that some of the same economic conditions that have fueled the mortgage foreclosure crisis…

Comments to HUD on Their Disparate Impact Proposed Rule

February 13, 2026

The proposed rule, which seeks to eliminate the Department of Housing and Urban Development’s (HUD) disparate impact regulation, will significantly undermine HUD’s enforcement of the Fair Housing Act’s protections against unlawful discrimination, and make it easier for lenders, landlords and other housing providers to evade the law. Victims of discrimination and the advocates and fair…

Letter to Senate Opposing DHS Funding Without Significant ICE Changes and Supporting FEMA Independence and Funding

February 11, 2026

The Honorable Chuck SchumerSenate Minority LeaderU.S. SenateWashington, DC 20510 Minority Leader Schumer, Minority Leader Schumer,We are 93 organizations supporting disaster survivors, working for climate resilience, and/or working in communities impacted by floods, wildfires, hurricanes, extreme heat, winter storms, and other disasters. We are writing to urge Senate Democratic leadership to stop the flow of funds…

Written Testimony to the Kansas House Committee on Judiciary in Support of HB 2754 —The Providing Civil Relief from Coerced Debt Act

February 11, 2026

This testimony provides support for Kansas HB 2754 — An Act Providing Civil Relief from Coerced Debt, a bill that offers a targeted, balanced, and urgently needed response to a form of economic abuse that traps survivors of domestic violence in long-term financial harm—often long after the physical abuse has ended.

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