NCLC, CRL & CFA Comments in Support of CFPB’s Proposed Interpretive Rule on Earned Wage Advances
These joint comments support an interpretive rule proposed by the CFPB that would clarify that earned wage advance products are credit transactions.
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NCLER Tip Sheet: Nursing Home Debt Collection: Issues and Defense
This tip sheet for advocates was created to accompany a webinar hosted by the National Center on Law & Elder Rights on nursing home debt collection against residents, family members, and other third parties. While most older adults rely on Medicare and Medicaid to help pay for their care, these programs often come with significant…
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Group Letter to Sec. Cardona Requesting Extension of Borrower Protections in Light of SAVE Litigation
This group letter urges the Department of Education to take action to protect federal student loan borrowers from harm caused by the SAVE litigation’s large-scale disruption of the student loan repayment system, which has led to a temporary removal of online repayment plan applications and an extended pause in processing applications to consolidate loans or…
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165 Organizations and Academics Support the CFPB’s Paycheck Advance Interpretive Rules
The undersigned consumer, labor, civil rights, legal services and community organizations write in strongsupport of the Consumer Financial Protection Bureau’s proposed interpretive rule on emerging paycheckadvance products, sometimes marketed as “earned wage” products. Workers should not have to pay to be paid, and we support the CFPB’s efforts to guard against predatory lending in the…
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Consumer Groups to CFPB—Please Act to Reduce Junk Fees in International Remittances
Consumer groups urge the CFPB to take meaningful actions to reduce and eliminate unnecessary fees, or junk fees, in remittance transactions: curtail the use of hidden markups, eliminate the exceptions allowed for third-party fees, and reduce the exemptions for compliance my the majority of depository institutions added in 2020.
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Comments on FHA Defect Taxonomy
NCLC submitted comments on HUD’s revised version of the Defect Taxonomy, which is a document that will be used when HUD assesses servicer compliance with FHA-insured rules.
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Amicus Brief: Missouri v. Biden (8th Cir.) (Brief in Support of Student Loan IDR Rules)
NCLC wrote and submitted this amicus brief to the U.S. Court of Appeals for the Eighth Circuit in Missouri v. Biden. In this case, Missouri and several other states have challenged the U.S. Department of Education’s 2023 rules governing income-driven repayment, including the SAVE plan. This amicus brief offers NCLC’s student loan law expertise to…
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Amicus Brief: Voss v. Quicken Loans, LLC et al.
NCLC has joined an amicus brief in this case before the Ohio Supreme Court, which involves a class action seeking statutory damages under state law for mortgage servicing misconduct. On appeal, Quicken argues that Article III standing should be imported into Ohio law. The amicus brief focuses on the different sources of standing under Article…
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Amicus Brief: Lackey v. Stinnie
NCLC joined in an amicus brief authored by the Lawyers Committee for Civil Rights Under Law regarding the definition of “prevailing party” in civil rights cases where a preliminary injunction is obtained and the case is subsequently mooted out by a legislative fix. The outcome of this case will impact the ability of civil rights…
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Comment on Form EIA-112: Residential Utility Disconnections Survey
NCLC and partner organizations submitted a comment to the U.S. Department of Energy/Energy Information Administration (EIA) supporting the EIA proposal to require certain electric and gas utilities to report and make public monthly residential service disconnections data. To support racial justice objectives, NCLC and commenters recommended that disconnections data be reported at the zip code…
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Maryland Energy Efficiency Advocates Supplemental Comments Re: Low-Income Affordability Mechanism
Supplemental comments were filed from the Maryland Energy Efficiency Advocates to the Maryland Public Service Commission in response to the commission’s additional questions regarding the design of a low-income affordability mechanism.
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