Resources Archive

Reply Comments Urging FCC to Strengthen Rules Blocking Scam Calls and Texts

February 3, 2026

NCLC, National Consumers League, Consumer Action, and Electronic Privacy Information Center filed Reply Comments urging the Federal Communications Commission to strengthen its rules to require blocking scam calls and texts, prohibit foreign calls that spoof U.S. phone numbers, and to improve rules under the Telephone Consumer Protection Act to make it easier for consumers to…

Local Solutions to Protect Heirs Property Owners from Property Tax Foreclosure

February 6, 2026

Heirs property owners are at an elevated risk of losing their home to property tax foreclosure. These owners of inherited homes are disproportionately likely to be older adults living and people of color. Targeted policy solutions can make a significant difference in reducing the rate of property tax foreclosure on heirs property, preventing housing instability…

Letter Supporting Close the Shadow Banking Loophole Act

January 29, 2026

NCLC joined banking and consumer organizations in thanking Senators Kennedy and Kim for introducing the Close the Shadow Banking Loophole Act, which would close the industrial loan company (ILC) loophole in current law. In light of recent approvals by the FDIC of ILC applications for Ford Motor Company and General Motors Company, as well as…

Testimony Supporting Oregon HB 4116 Opting Out of DIDMCA

February 3, 2026

NCLC submittted testimony supporting Oregon HB 4116, which will prevent evasions of Oregon’s interest rate limits by opting the state out of a federal law that allows out-of-state, state-chartered banks to charge high rates not allowed in Oregon. The bill will prevent predatory “rent-a-bank” lenders that charge annual percentage rates (APRs) of 200% and higher…

Comment to DC on Earned Wage Access

January 30, 2026

So-called “earned wage access products” are new forms of 300% APR payday loans, which have long been illegal in the District of Columbia. They present many of the same problems as traditional payday loans and are properly covered by the District of Columbia’s lending laws and interest rate limit.

Fact Sheet: HUD Rule Would Gut Housing Discrimination Protections

February 3, 2026

HUD Should Withdraw Proposed Rule to Gut Important Discrimination Protections and Fully Enforce the Fair Housing Act Request for Public Comment, Docket No. FR-6540-P-01, RIN 2529-AB09 Comments Due February 13, 2026 The U.S. Department of Housing and Urban Development’s (HUD) has proposed a rule, that would substantially weaken the Fair Housing Act and leave consumers…

Comments on OCC Interest-on-Escrow Law Preemption

January 29, 2026

NCLC submitted comments on the Office of the Comptroller of the Currency’s (OCC) proposed interest-on-escrow preemption determination and real estate lending escrow accounts rule, which exceed the agencyʼs power.

Written Testimony in Support of Maryland Earned Wage Revisions

January 29, 2026

A new breed of payday loans, so-called earned wage access products, exacerbate affordability problems by taking hundreds of dollars per year from low-wage workers. This written testimony from NCLC supports a Maryland bill that will prevent manipulations that increase fees and make workers pay to be paid. NCLC’s testimony also suggests several amendments to the…

Comments to the OCC Regarding Interest-on-Escrow Preemption Determination and Real Estate Lending Accounts Rule

January 29, 2026

On December 30, 2025, the Office of the Comptroller of the Currency (OCC) requested comment on two proposals: a new rule regarding mortgage escrow accounts, and a determination that federal law preempts state laws requiring banks to pay interest on mortgage escrow accounts. The National Consumer Law Center submitted comments on both proposals on behalf…

Coalition Letter in Support of the Close the Shadow Banking Loophole Act

January 29, 2026

NCLC joined community, civil rights, labor, consumer, civic and other organizations in urging members of Congress to fight for an effective Consumer Financial Protection Bureau able to carry out its statutorily mandated consumer protection mission for the long term, and to oppose legislative efforts to weaken the agency.

Group Comments to the FTC Regarding Sales of Certified Used Cars with Unrepaired Safety Recalls

February 29, 2016

The following comments were submitted in response to the Federal Trade Commission’s proposed settlements with General Motors, Jim Koons Management, and Lithia Motors. The proposed settlements attempt to address the practice of selling cars as “certified,” or with the use of similar terms, in which cars are advertised as thoroughly inspected and safe cars, despite…

Model Family Property and Income Protection Act

January 23, 2026

This model legislation provides sample language for state laws to prevent debt collectors from seizing a family’s essential income and property to pay old debts. These laws are generally referred to as exemption laws, as they exempt certain income and assets from seizure after a creditor obtains a court judgment to collect a debt. This…

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