Resources Archive

Letter in Support of Pennsylvania HB2120 Regarding Shared Equity Agreements

April 20, 2026

The National Consumer Law Center strongly urges Representatives Scott Conklin and John A. Lawrence to support HB 2120. This critical legislation protects Pennsylvania homeowners from the dangers they face when signing shared equity agreements (SEA), a predatory form of mortgage loan. While marketed as easy cash, SEA mortgages function like the dangerous subprime mortgages that…

What States & Local Governments Can Do to Support Immigrants' Financial Stability

April 17, 2026

States, counties, and local governments can help protect immigrants, their families, and communities from financial exploitation and other consumer abuses.

Letter to Maine Governor Janet Mills re: LD1901 on HEI Loans

April 13, 2026

This letter urges Governor Janet Mills of Maine to sign into law a comprehensive bill on Shared Appreciation Mortgages that would provide comprehensive protections for homeowners.

Letter to Acting Commissioner New Jersey Department of Banking and Insurance re: Home Equity Sharing Agreement

April 13, 2026

This letter provides an overview of the risks associated with HEI loans and how the complex terms and current lack of oversight pose a significant threat to the hard-earned equity of homeowners.

Comments in Massachusetts D.P.U. 25-200

These written comments to the Massachusetts Department of Public Utilities oppose adding increased fixed charges to utility bills.

Testimony to DC Council Housing Committee on B26 0595 True Act

March 30, 2026

This is written testimony to the DC Council Housing Committee on B26 0595 True Act, a ratio utility billing systems (RUBS) transparency bill. The testimony recommends the DC Council prohibit RUBS and lists the harms to tenants and to energy and water conservation goals for the District of Columbia. The testimony provides examples from other…

Trump Administration Must Deny Enova's Bid to Make 100% APR Loans In Every State

April 16, 2026

An unprecedented national bank application would allow a lender to expand lending at interest rates of 100% or higher.

Sign-on Testimony Re Maryland HB 1253, Break STRIDE Act (Re Gas Pipeline Infrastructure Replacement Funding Mechanism)

March 10, 2026

This is sign-on testimony in support of Maryland HB1253 to stop the ability of regulated gas companies to put ratepayers on the hooks for tens of billions of dollars for gas line replacement that does not prioritize public safety, more cost effective alternatives and it stops the ability of gas companies to bypass the normal…

Sign-on Letter to Maryland PSC Re WGL's Compliance with a Gas Line Replacement Law

January 30, 2026

The letter is about the failure of a regulated gas company in MD (WGL) to comply with state law regarding gas infrastructure replacement, Next Generation Energy Act (modifies the STRIDE law), to prioritize safety and demonstrate cost effectiveness, including repair of gas lines over replacement. Marylanders are overpaying for gas because of industry abuses that…

Testimony Before the Subcommittee on Financial Institutions of the House Financial Services Committee Opposing Harmful Fair Credit Reporting Act Amendments

April 16, 2026

This NCLC testimony oppose 4 bills discussed at a hearing entitled “Promoting Access to Credit for Everyday Americans”. The bills are giveaways to the Big Three credit bureaus, touted as helping consumers but actually benefiting industry while harming everyday people. H.R. 5775, the FCRA Liability Harmonization Act, would dramatically reduce accountability for credit bureaus and…

NCLC, NACA, NHLP, NLIHC, and PolicyLink Comments re: the FTC's Unfair or Deceptive Rental Housing Fee Practices ANPRM, Project No. 207011

April 13, 2026

These comments discuss the dizzying array of junk fees tenants pay to secure and maintain rental housing and how these fees contribute to housing unaffordability and precarity. In addition, these comments provide evidence showing the prevalence and persistence of these fees in the rental housing market. This evidence includes data from a survey that NCLC…

Coalition Letter to Congressional Leaders Urging Oversight of the Federal Housing Finance Agency

April 2, 2026

This letter urges the House and Senate committees to do oversight hearings of the Federal Housing Finance Agency and catalogues the long list of actions the agency has taken in the last year that have undermined this agency’s independence and effectiveness, and have made our nation’s housing affordability crisis worse.

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