All Resources
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NCLC/CRL Comments in Response to Draft Handbook 4000.1
NCLC and CRL submitted comments in response to FHA’s draft handbook that support that draft and offer areas for improvement.
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Joint Industry and Advocacy Comment on Draft FHA Handbook
In this letter, consumer advocates and mortgage industry trade associations support HUD’s draft loss mitigation waterfall and make suggestions for improving it.
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Checklist for Identifying a Zombie Second Mortgage
The NCLC Zombie Mortgage Checklist provides suggestions for gathering information and documents to help determine if an advocate’s client has a zombie second mortgage and if there may be claims against the lender or servicer that would enable a client to challenge the foreclosure, negotiate an affordable loan modification, and obtain other relief to allow…
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Bounce Protection: How Banks Turn Rubber into Gold by Enticing Consumers to Write Bad Checks
Banks are aggressively marketing a new form of high cost credit intended to boost their fee income at the expense of the most vulnerable consumers. These products are based on overdraft protection, but are not traditional overdraft lines of credit or the occasional ad hoc practice where a bank will cover a consumer’s bounced check…
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Group Letter to the FCC re: Implementation of the Martha Wright Reed Just and Reasonable Communications Act, WC Docket Nos. 12-375, 23-62
This letter lays out how the Commission should efficiently and justly continue to implement the Martha Wright Reed Just and Reasonable Communications Act. The actions the Commission should take include: (1) adopting permanent rate caps on incarcerated people’s communications services (IPCS); (2) collecting data regarding IPCS video costs and other aspects of the marketplace; (3)…
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Lara v. Sunrun Inc., et al.
Lara v. Sunrun Inc., et al2484-CV-03201 (Suffolk Cty. Super. Ct. Mass.) This case challenges the fraudulent and deceptive practices of solar company Sunrun Inc., on behalf of a low-income, Spanish-speaking, elder consumer. The case alleges that Sunrun’s installed of faulty solar panels on Mr. Lara’s house and charged him thousands of dollars (and will continue…
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Consumer Groups Response to Telemarketers' Complaints About FCC's One-to-One Consent Rule
The FCC’s December 2023 regulation requiring one-to-one consent for prerecorded telemarketing calls will dramatically reduce these abusive calls in the future. These comments describe how both consumers and small businesses will benefit from this regulation, and they counter the telemarketing industry complaints.
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No Fresh Start: Will States Protect Families from Wage and Asset Seizures as Debt Levels Soar? (2025)
Every state has a set of exemption laws, intended to prevent creditors from pushing families into destitution. This report finds that few states’ exemption laws meet even the most basic standards.
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Reply Comments to the FCC on Data Caps in Consumer Broadband Plans
By Public Knowledge, Open Technology Institute at New America, Benton Institute for Broadband and Society and the National Consumer Law Center, on behalf of its low-income clients (WC Docket No. 23-199) Reply comments in response to the Federal Communications Commission’s Notice of Inquiry to refresh the record on fixed and mobile broadband internet service data…
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Comments to the FCC on Data Caps in Consumer Broadband Plans
By Public Knowledge, Open Technology Institute at New America, Benton Institute for Broadband and Society and the National Consumer Law Center, on behalf of its low-income clients (WC Docket No. 23-199) These are joint opening comments in response to the Federal Communications Commission’s Notice of Inquiry to refresh the record on fixed and mobile broadband…
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Consumer Group Comments Opposing NumberBarn's Application for Access to Number Resources
The sale and rental of telephones allows scammers and telemarketers to evade FCC requirements for truthful caller-ID. These comments urge the FCC to deny the application of a VoIP provider requesting access to number resources based on its previous practices.
