Resources Archive

Comments to Calif. DFPI on Revised Earned Wage Advance Regulations

November 27, 2023

The Center for Responsible Lending, Consumer Federation of California, National Consumer Law Center, and Office of Kat Taylor submitted comments to the California Department of Financial Protection and Innovation on its revised proposed regulations of income-based advances. The DFPI’s regulatory proposal for income-based advances recognizes, rightly, that these products must be regulated as credit. This…

MEMO re: State weatherization landlord tenant agreements

June 26, 2009

Issue: I. Do states’ landlord tenant agreements include provisions that encourage the benefits of weatherization to flow primarily to tenants? II. Which states provide the strongest model for safeguarding the goals and intended beneficiaries of weatherization? Brief Answer: I. Assessment of landlord tenant agreements in twenty states indicates that the majority of agreements include provisions…

Predatory Installment Lending in the States: How Well Do the States Protect Consumers Against High-Cost Installment Loans? (2023)

November 21, 2023

Forty-five states and the District of Columbia (DC) currently cap interest rates and loan fees for at least some consumer installment loans, depending on the size of the loan. However, the caps vary greatly from state to state, and a few states do not cap interest rates at all.

Comments of Over 100 Organizations Supporting the Petition for Rulemaking to Require Meaningful Consumer Consent to Arbitration

November 14, 2023

We gratefully support and applaud the Consumer Financial Protection Bureau’s (CFPB) continued efforts to vigorously protect consumers. Our organizations, representing millions of consumers, write in support of the recent petition for a rulemaking to address the fine print trap posed by forced arbitration clauses, which give companies that violate the law a get-out-of-jail-free card, blocking…

Comments to CFPB's Outline of Proposals for FCRA Rulemaking

November 9, 2023

The CFPB has issued an outline of proposals for a rulemaking under the Fair Credit Reporting Act (FCRA) regarding data brokers, credit reporting disputes, and medical debt on credit reports. In general, we support the CFPB’s proposals. The CFPB’s proposals will protect consumers from the significant harms of data broker practices, such as selling sensitive…

Testimony Supporting Massachusetts Bills H.3314 & S.2227: An Act to End Debt-Based Driving Restrictions and Remove Economic Roadblocks

November 9, 2023

In this testimony, we write in support of Massachusetts bills H.3314 and S.2227, “An Act to End Debt-Based Driving Restrictions and Remove Economic Roadblocks," and we urge the Massachusetts Joint Committee on Transportation to vote them favorably out of committee. The testimony highlights the harms that debt-based license suspensions cause to low-income people, and particularly to low-income people of color.

Group Comments on OTS Integration; Dodd-Frank Implementation

June 27, 2011

The National Consumer Law Center (on behalf of its low income clients), the Center for Responsible Lending, the Consumers Union, Public Citizen, and the Sargent SHriver National Center on Poverty Law submitted comments to the Office of the Comptroller of the Currency’s proposed Dodd-Frank Act Implementation regulations, in particular the provisions relating to preemption of state…

OCC Ignores Dodd-Frank Act’s Repeal of 2004 Preemption Regulations

May 27, 2011

In 2004, the Office of the Comptroller of the Currency (OCC) adopted sweeping regulations preempting state laws aimed at abusive bank practices involving mortgages, credit cards, and other areas. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 effectively overturned those regulations and limited the OCC’s ability to preempt state laws. On May…

Comments to OCC in connection with 10 year review of regulations under Economic Growth and Regulatory Paperwork Reduction Act

September 2, 2014

The National Consumer Law Center, on behalf of its low income clients, Americans for Financial Reform,Center for Responsible Lending, National Association of Consumer Advocates, Public Citizen and U.S.PIRG submitted these comments in response to the Office of the Comptroller of the Currency’s (OCC)request for the public to identify regulations that are outdated, unnecessary, or unduly…

Comments to the MD PSC in Support of the MD Office of People's Counsel's Petition Re Comprehensive Gas Planning

October 24, 2023

These are comments signed on to by NCLC and 20 other environmental justice organizations in support of the Maryland Office of People's Counsel's petition to open a comprehensive gas planning proceeding to meet the state's climate goals while protecting access to reasonable, affordable rates and bills as well as promoting customer equity and energy justice.

Senate Testimony of Margot Saunders Regarding Protecting Americans from Robocalls

October 24, 2023

Margot Saunders, senior attorney for the National Consumer Law Center testified before the Senate Committee on Commerce, Science, & Transportation Subcommittee on Communications, Media, and Broadband. The current regulatory structure allows criminals access to Americans’ wallets: billions of dollars are stolen every year through scams executed over this nation’s telephone lines. At the same time,…

Letter Urging Bridge Funding on Low Income Household Water Assistance Program (LIHWAP)

October 18, 2023

This is a sign-on letter to Appropriators urging that they include additional funding for the Low Income Household Water Affordability Program (LIHWAP) for FY 2024. Over 150 organizations signed onto this letter for critical low-income household water assistance.

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