Resources Archive

Tightening Consumer Protections: Don’t Let Credit Blemishes Kill Job Opportunities

December 5, 2024

California was one of the first states to restrict the use of credit reports in employment decisions in 2011, leading at least 10 other states and two large cities to pass similar laws. The CA law, however, has several exceptions that weaken it. That is not unusual for an early adopter, given that state legislatures…

Opposition to HR 6951, the College Cost Reduction Act

December 2, 2024

This bill would significantly weaken or repeal many important federal student loan protections, particularly those critical for low-income student loan borrowers.

FTC Telemarketing Sales Comments to the FTC on Telemarketing Sales Rule (TSR) Inbound Tech Support Calls NPRM

June 17, 2024

NCLC fully supports the FTC’s proposal to amend the TSR to include inbound technical support calls in response to a solicitation to help protect consumers from these scam calls.

New Rights for Buy Now, Pay Later Purchases

December 2, 2024

Shoppers often have the choice to “buy now, pay later” using companies such as Klarna, AfterPay, Sezzle, Affirm, Splitit, and PayPal. With the typical “pay-in-four” buy now, pay later (BNPL) loan, a quarter of the price is due at checkout followed by three payments every two weeks for the next six weeks. BNPL credit can…

Suggested Amendment to Bankruptcy Rule 3001(c) Submitted to Bankruptcy Rules Committee

September 11, 2024

These comments request that the Bankruptcy Rules Committee consider an amendment to Rule 3001(c) to fix a substantive change made by the restyling of the rule that may have limited the ability of a bankruptcy court to impose sanctions for creditor noncompliance with the proof of claim requirements.

Coalition Letter to U.S. DOE on the Consumer Impacts of Gas Exports

November 21, 2024

NCLC joined the Pennsylvania Utility Law Project and other Pennsylvania advocates to submit a letter to U.S. DOE regarding the need to consider local consumer impacts when reviewing gas export facilities, focusing on Pennsylvania gas markets and consumers. Liquefied natural gas (LNG) exports increase the price that Pennsylvania consumers pay for gas – as well…

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