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.
Read More about NCLC Testimony Regarding Proposed Amended Regulations 105 CMR 95 and 140 CMR 2
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…
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…
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.
Read More about Letter to the Chicago City Council Regarding the Protecting Renters Ordinance
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.
Read More about Letter Opposing Main Street Capital Access Act, H.R. 6955
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,…
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…
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…
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…
Read More about Civil Rights Letter to the House Democratic AI Commission
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).
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…
This Issue Brief discusses the top ten reasons why efforts to shut immigrants out of bank accounts and access to credit is a bad idea, including:
