Resources Archive

Comments to the Consumer Financial Protection Bureau Regarding Defining Larger Participants of the Auto Financing Market

September 23, 2025

The National Consumer Law Center submitted comments, co-authored by the Consumer Federation of America, to the Consumer Financial Protection Bureau regarding the Bureau’s notice that it is considering amending which participants in the auto finance market are considered larger participants. Entities defined as larger participants are potentially subject to supervision by the CFPB and the…

Upgrade Maryland Reply Comments to MD PSC Re: Long-term Planning for MD Gas Companies

September 22, 2025

These are sign on comments by Upgrade Maryland in MD PSC Case No. 9707 regarding long-term planning for Maryland’s gas companies. Upgrade Maryland is urging the commission to protect residential customers from aging and expensive gas lines in the transition to clean and efficient homes and appliances.

Leadership Conference Media/Telecom Task Force Comments to the Bicameral USF Working Group

September 22, 2025

These are comments from the Leadership Conference on Civil and Human Rights, Media/Telecommunications Task Force to the bicameral Universal Service Fund (USF) Working Group. The comments highlight the importance of the USF programs to address the digital divide that poses a barrier to modern-day opportunities, particularly for those with very limited incomes, who live in…

Comments Regarding DC Experimental Rate Class for Senior Citizens and Residents with Disabilities

September 22, 2025

These are comments in support of the continuation of an energy bill credit for seniors and residents with disabilities who are above the low-income utility assistance eligibility cut-off, but still need utility bill assistance. The DC PSC had automatically enrolled seniors and residents with disabilities that were receiving tax relief under another city program into…

Update Comments on BG&E Multi-Year Plan Pilot Lessons Learned Proceeding

September 22, 2025

NCLC signed on to comments to the Maryland PSC proceeding regarding lessons learned from Baltimore Gas and Electric’s multi-year rate plan (MRP) pilot. Maryland PIRG prepared the comments. The groups urge the commission to end the pilot as MRP has resulted in weaker oversight of utility spending and increased energy bills. Since the MD PSC…

Comments Opposing CFPB Proposal to Reduce Number of Consumer Reporting Agencies Supervised by the Bureau

September 22, 2025

These are comments of the National Consumer Law Center (on behalf of its low-income clients) and the Consumer Federation of America in response to the CFPB’s advance notice of proposed rulemaking on whether to raise the threshold for defining larger participants in the consumer reporting market from $7 million in receipts from consumer reports to…

Defining Larger Participants of the Consumer Debt Collection Market

September 22, 2025

The National Consumer Law Center (on behalf of its low-income clients) and Consumer Federation of America appreciate the opportunity to submit these comments on the Consumer Financial Protection Bureau’s (CFPB) advance notice of proposed rulemaking (ANPR) on whether to propose a rule to amend the test to define larger nonbank participants in the consumer debt…

Comments from 70+ Legal Services Organizations on Proposed Public Service Loan Forgiveness Rule

September 18, 2025

This comment on the Department of Education’s proposed rule to change the terms of the Public Service Loan Forgiveness program (PSLF) is from 70+ legal services organizations that work on behalf of low-income people. The Higher Education Act defines qualifying public service jobs for PSLF as work for nonprofit 501(c)(3) employers and work for “public…

Testimony of Carla Sanchez-Adams Before U.S. House Subcommittee: “Fraud in Focus: Exposing Financial Threats to American Families”

September 18, 2025

Fraud continues to pose a threat to U.S. households, businesses, financial institutions, and the economy as a whole. Consumers are plagued by problems with unauthorized transactions as well as fraudulently induced payments involving peer-to-peer payment applications, crypto-assets, bank-to-bank wire transfers, check alterations and forgeries, and Electronic Benefits Transfer (EBT) card skimming. The increasing ease and…

Gout v. Unison Agreement Corp. et al.

September 18, 2025

Patricia Gout, on behalf of herself and all others similarly situated v. Unison Agreement Corp., Unison Investment Management, LLC, and Real Estate Equity Exchange, Inc., CGC-25-629062 (Cal. Super. Ct.) This class action complaint seeks relief for California borrowers against predatory mortgage lender Unison Agreement Corp. and its affiliates. The case asserts that the defendants dupe…

Letter Supporting the Forced Arbitration Injustice Repeal (FAIR) Act

September 18, 2025

NCLC signed on to a letter supporting the Forced Arbitration Injustice Repeal (FAIR) Act, which restores consumers’ day in court. The Act would give workers, consumers, servicemembers, ordinary investors, small businesses, and others the freedom to seek accountability in court when they are harmed.

Reply to FCC Requesting Rescission of 2-Year Delay of Regulations Protecting Incarcerated People’s Communications Services

September 17, 2025

NCLC joined several other organizations in filing a reply brief to the Federal Communications Commission. In July, we had filed an Application for Review asking the agency not to delay for 2 years the implementation of regulations that set price caps on phone and video communications for incarcerated folks to make them more affordable. These…

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