This opinion piece, published in Utility Dive, explains how competitive energy supply (or retail choice) harms consumers.
Read More about Retail ‘Choice’: A Bad Deal for Consumers and the Planet
This report surveys the interest rates and loan fees allowed by all 50 states and the District of Columbia for an unsecured 5-year installment loan of $10,000.
These comments discuss energy affordability programs and consumer protections, including Percentage of Income Payment Plans (PIPPs), tiered discounts, disconnection protections, extreme heat protections, and other utility consumer protection issues.
Read More about Comments in DPU 24-15, Inquiry into Energy Burden and Energy Affordability
NCLC opposes Maryland HB 1425, which would carve a loophole in the state's interest rate limits for earned wage advances and other fintech payday loans.
Read More about Testimony Opposing Maryland HB 1425/SB 998 Earned Wage Access
NCLC opposes the Financial Services Innovation Act of 2023, which would create regulatory “sandboxes” for companies that would force agencies to shirk their statutory duties to enforce the law and protect consumers and instead prioritize allowing risky and unproven products into the marketplace before they have been fully evaluated to ensure that they comply with…
Read More about Opposition to H.R. 7440 (McHenry) Financial Services Innovation Act of 2023
NCLC joined joint testimony supporting MA H.2326/S.1506, “An Act relative to successful transition and re-entry to tomorrow for incarcerated persons” (The STARTT Act).
Read More about Joint Testimony Supporting MA I.D. Bill for People Released from Prison
NCLC submitted testimony in support of a Massachusetts bill, "An Act providing for easier and greater access to record sealing" (H.B. 1598 / S.B. 979).
NCLC submitted testimony in support of a Massachusetts bill, "An Act to remove collateral consequences and protect the presumption of innocence" (H.B. 1493 / S.B 998).
Read More about Testimony In Support of MA H.B. 1493 / S.B 998, re: Immediate Record-Sealing
NCLC submitted comments in response to the Massachusetts AGO's proposed regulations on unfair and deceptive fees, often referred to as “junk fees.”
Scam texts remain a significant problem for U.S. cell phone users. The FCC has the tools to identify the platforms that transmit the scam texts, and it should create incentives to encourage those platforms to stop sending scam texts.
Illinois HB4507 modernizes how Illinois regulates credit repair, addressing issues not contemplated by the state's original laws, including use of the internet and new attempts to evade consumer protection laws.
This letter outlines VA's authority to create its VA Servicing Purchase program.
Read More about Letter to House Committee on Veterans' Affairs
