Resources Archive

Comments on the Federal Reserve Board's Proposed Revisions to the Federal Reserve Policy on Payment Risk and the Guidelines for Account and Services Requests

July 27, 2026

The Federal Reserve Board proposed revisions to the Federal Reserve Policy on Payment System Risk to accommodate the provision by Reserve Banks of special-purpose accounts that would clear and settle certain payment activity (Payment Accounts) and the proposed updates to the guidelines for Federal Reserve Banks to use in evaluating requests for access to Reserve…

NCLC Testimony Regarding Proposed Amended Regulations 105 CMR 95 and 140 CMR 2

July 23, 2026

NCLC provides written comments in support of two related rulemakings by the Massachusetts Department of Public Health to prohibit reporting medical debts to credit bureaus. NCLC also offers recommendations to strengthen the proposed regulations.

Amicus Brief in Burrison v. FloatMe Corp.

July 17, 2026

Amici submit this brief to provide the Court with evidence concerning the similarities in product design, function, and consumer harms between FloatMe Corp’s “Float” cash advance products, often marketed as “Earned Wage Access,” and traditional payday loans. Floats, and other so-called Earned Wage Access products, function as loans—app-based payday loans. Payday Loan Apps (“PLA”) operate…

What States Can Do to Protect Families' Income and Property from Seizure by Debt Collectors

July 22, 2026

State exemption laws protect income and property from seizure once a court has ruled that a person owes a certain amount. Without exemption laws, debt collectors would be able to collect that amount by selling the person’s home or seizing their entire paycheck, bank account, car, or household goods. This issue brief outlines how states…

Letter to the Chicago City Council Regarding the Protecting Renters Ordinance

July 21, 2026

The National Consumer Law Center writes to provide technical advice and comments regarding the proposed Protecting Renters Ordinance, focusing on section 5-12-081, Fees in addition to rent.

Letter Opposing Main Street Capital Access Act, H.R. 6955

July 21, 2026

This is a letter opposing H.R. 6955, a dangerous bank deregulation package would undermine core safeguards and supervision, push risk into the shadows and make the next publicly financed bailout more likely.

Amicus Brief: Smith v. InformData, LLC

July 9, 2026

NCLC’s amicus brief supports the appeal of an ED Virginia case holding that it’s accurate and lawful under the FCRA for a consumer reporting agency (CRA) to report sealed or expunged records. The brief explains how the modern background screening industry aggregates public-record data, why sealed and expunged records continue to appear on consumer reports,…

Amicus Brief in Revell v Grant, LLC

May 6, 2026

Amici submit this brief to provide the Court with evidence concerning the similarities in product design, function, and consumer harms between Grant Money, LLC’s “Cash Advance,” often marketed as “Earned Wage Access,” and traditional payday loans. These products function as loans—app-based payday loans. Payday Loan Apps (“PLA”) operate as a financial technology iteration of the…

Amicus Brief in Vickery v. Empower Finance

April 8, 2026

Amici submit this brief to provide the Court with factual evidence concerning the similarities in product design, function, and consumer harms between Empower Finance, Inc.’s “Cash Advance” often marketed as “Earned Wage Access” and traditional payday loans. These products function as loans—app-based payday loans. Payday Loan Apps (“PLA”) operate as a financial technology iteration of…

Civil Rights Letter to the House Democratic AI Commission

July 16, 2026

The Leadership Conference on Civil and Human Rights, a coalition of more than 240 national civil and human rights advocacy organizations, and the undersigned civil rights and civil society organizations write to you regarding the need for civil rights protections to be the foundation of any comprehensive artificial intelligence (AI) legislation. Specifically, we urge the…

Letter to Chair of Pennsylvania Senate Banking & Insurance Committee in Support of SB 1402, Regarding Shared Equity Agreements

July 10, 2026

This letter explains why Sen. Gebhard should support SB 1402, the companion bill to HB 2120, which will ensure that homeowners are protected from abusive features of shared equity agreements (also known as home equity investment loans).

NCLC Comments to the OMB Regarding Federal Financing Assistance (sweeping proposed rule that subverts statutory direction for program funding for all federal agencies)

July 13, 2026

The proposal affects over $1 trillion in annual Federal grants and cooperative agreements across 41 agencies. All of these grants would now be subject to review for conformity with the president’s political agenda, regardless of the Congressional intent in appropriating the funds or the language of the enabling statute. Despite the predictable impact on governments…

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