We recommend that for calls that include AI-generated technology: before callers can make AI-generated calls that may employ interaction with the recipient, the callers must obtain explicit consent from called parties to receive calls that use this technology; and second, that these AI-generated calls must include a disclosure at the beginning of each call that…
NCLC supports HUD’s proposal to require servicers to provide partial claim information in connection with a request for a mortgage payment.
Read More about Comments to HUD's Proposed Guidance on Partial Claims and Payoffs
The American Bankers Association, the Bank Policy Institute, Edison Electric Institute, and other trade associations representing banks, credit unions, other financial services providers, and electric utility companies, along with NCLC joined together for this meeting because they are united in their commitment to combating criminals who attempt to defraud consumers by impersonating legitimate businesses through…
Read More about Ex Parte for Am Bankers & Other Legal Callers & NCLC to FCC: Stop Scam Messages
This is a sign on letter from environmental, labor, consumer and utility customer public interest groups to the White House requesting inclusive representation of climate, labor and consumer advocates in the development of the Administration’s AI Infrastructure priorities and strategies.
Read More about AI Infrastructure Sign On Letter to the White House
Rooftop solar panels and other renewable energy and energy efficiency products hold great potential to help consumers, ideally by lowering household energy burdens while reducing emissions. The solar panel market is growing at a fast pace and increasilgly expanding into low-income communities, communities of color, and disadvantaged communities. As demand grows for rooftop solar panels,…
Read More about Consumer Advocates' Letter to CFPB Regarding Rooftop Solar Panel Sales Concerns
Comments of the National Consumer Law Center, on behalf of its low-income clients and Consumer Action, Consumer Federation of America, National Association of Consumer Advocates, National Consumers League, Open Markets Institute, and U.S. PIRG regarding a case where Federal Trade Commission (FTC) uncovered evidence that three major rent-to-own (RTO) players engaged in a market allocation…
Read More about Comments to the FTC in the Matter of Rent-to-Own Store Swaps
Margot Saunders, senior attorney at the National Consumer Law Center testified on behalf of our low income clients, as well as the Consumer Federation of America, Consumers Union, and the U.S. Public Interest Research Group regarding rent to own contracts and whether H.R. 1588 is the appropriate vehicle for federal regulation. The topic of this…
NCLC and AARP Wisconsin agree with the proposal to limit debt adjustment fees to a percentage of savings, but 30% is too high. NCLC and AARP Wisconsin also recommend more robust annual data reporting, prohibiting licensees from advising consumers to default on debts, and adopting other protections found in the FTC’s debt relief services rule.
Read More about Comment on Proposed Amendments to Wisconsin's Debt Adjustment Services Rule
This brief argues that a state that opts out of DIDMCA may enforce its interest rate laws against out-of-state, state-chartered banks in order to stop rent-a-bank lending and other high-cost loans that exceed state rate caps.
Read More about Amicus Brief: NAIB v. Weiser (10 Circuit, DIDMCA opt out)
This report covers the ways that financial institutions across the financial services industry serve, or fail to serve, people with limited English proficiency.
A new fact sheet from NCLC and the New America Foundation examines the problem and provides policy solutions to protect the financial security of older adults with student loan debt.
Read More about The Growing Impact of Student Loan Debt on Older Adults
We support the important protections HUD has put into place to help avoid unnecessary foreclosures for loans that may be sold in bulk sales of FHA-insured loans.
