NCLC submitted written testimony submitted to the Michigan House Committee on Regulatory Reform opposing H.B.5558 and associated bills. This proposed legislation would exempt a form of payday loan, so called “earned wage access” payday loans, from Michigan’s interest rate limits and transaction limits designed to prevent predatory lending.
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The National Consumer Law Center (NCLC), on behalf of its low-income clients, supports the Senate’s 21st Century ROAD to Housing Act legislative package and encourages its swift passage. The Act includes provisions to make homeownership more sustainable and to address challenges with housing supply and affordability. In particular, the bill makes permanent a key assistance…
On behalf of the clients and communities we represent, wrote to strongly oppose theDepartment of Treasury system of records notice (“SORN”) published on February 4, 2026. Because it is overbroad and imprecise, the SORN represents a significant and unwarrantedinvasion of individual privacy by the federal government. This baseless violation of privacywould extend even to individuals…
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This NCLC comment expresses strong opposition to changes proposed by the Consumer Data Industry Association (CDIA) that would throttle the number of complaints filed with the CFPB against the three Big Three credit bureaus (Experian, Equifax and TransUnion). The comments object to the CFPB’s action in already adopting one of the changes demanded by CDIA,…
These are comments to the California Dept of Financial Protection and Innovation (DFPI) in response to its request for comments on a potential rulemaking to regulate consumer reporting agencies.
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This testimony supports HB 1148, which would provide heirs who inherit property much-needed assistance including assistance in avoiding tax sale. Maryland Legal Aid (MLA) testifies in strong support of this bill.
Amici are eight nonprofit organizations dedicated to fair housing and civil rights: National Fair Housing Alliance, National Consumer Law Center, UnidosUS, Public Justice, Center for Responsible Lending, Poverty and Race Research Action Council, Southern Poverty Law Center, and League of United Latin American Citizens. Amici submit this memorandum because they are concerned that the parties’…
Legal assistance groups that provide free legal assistance to low-income people submitted these group comments in response to the Department of Education’s proposal to implement changes made by the One Big Beautiful Bill Act (“OBBB”) to rules governing federal student loan repayment, deferrals related to economic hardship and unemployment, and rehabilitation of student loans out…
NCLC strongly supports Connecticut HB 5209. It will enact appropriate regulations to protect consumers from this high cost, high risk loan product.
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This letter urges the Los Angeles City Council to prohibit landlords from using Ratio Utility Billing System (RUBS) to calculate utility bills in master-metered rental housing.
Read More about Letter to LA City Council Regarding Tenant Utility Billing
This testimony supports Connecticut bill HB 5127, An Act Concerning Medical Credit Cards.
Read More about Written Testimony in Support of Connecticut HB 5127
NCLC and several consumer and civil rights organizations urged that the House Financial Services Committee address several key points to prevent the Earned Wage Access Consumer Protection Act from worsending the affordability crisis by protecting a business model that extracts hundreds of dollars a year from struggling families and forces workers to pay to be…
Read More about Letter on Earned Wage Access Consumer Protections Act