NCLC and CRL Proposal for FHA Loss Mitigation
In this letter, NCLC and CRL propose how FHA should shape its system for helping borrowers avoid foreclosure.
Read More about NCLC and CRL Proposal for FHA Loss Mitigation
All Resources
-
-
Testimony in Support of MD SB1, Augustine (as amended in the Senate EEE)—Electricity and Gas—Retail Supply—Regulation and Consumer Protections
This is testimony in support of MD SB1, a bill to protect consumers from unfair, predatory retail energy supply contracts. The bill caps the price of the service offerings to the regulated utilities standard offer rates, it imposes strong restrictions on variable rates and would allow consumers to lock their accounts to avoid slamming. The…
-
Ex Parte to Wireline Bureau on Numbering Policies
Callers rotating through numbers circumvent the goals of the TRACED Act as well as the efforts of the FCC and providers to block illegal calls. While existing regulations prohibit this misconduct, the FCC should use TRACED Act authority to issue a new rule that unequivocally prohibits number rotation for outbound calls.
Read More about Ex Parte to Wireline Bureau on Numbering Policies
-
IRA Home Energy Rebates - State Program Design Recommendations: A Resource for Advocates
This IRA Home Energy Rebates Resource for Advocates outlines issue areas that advocates for low-income consumers and tenants should prioritize when providing stakeholder input into the state rebate plans.
-
Consumer Group Comments in Support of Clarifying That a Private Right of Action Exists When Telemarketers Fail to Provide Correct Caller ID
The FCC promulgated the requirement in 47 CFR 64.1601(e) that telemarketers must provide a caller ID pursuant to its authority to issue regulations for the Do Not Call Registry, meaning that a telemarketer's failure to provide the correct caller ID leads to the damages under the TCPA.
-
Testimony in Opposition to H4456: An Act Relative to Financial Technology Services
H4456 declares that fintech payday loans are not loans and their costs are not interest subject to Massachusetts’ protections against predatory lending. Currently in Massachusetts, loans under $6,000 are limited to “23% per annum of the unpaid balances of the amount financed calculated according to the actuarial method plus an administrative fee of $20.” H4456…
Read More about Testimony in Opposition to H4456: An Act Relative to Financial Technology Services
-
Public Knowledge Sign-on Letter Re: Inclusion of Affordable Connectivity Program in Any Spectrum Auction Authority Legislation
NCLC signed-on to the Public Knowledge letter on the inclusion of Affordable Connectivity Program (ACP) funding in any spectrum auction authority legislation.
-
Myths and Facts About Improving Credit Repair State Laws
Credit repair organizations (CROs) claim they can help improve consumers’ credit records, but they rarely deliver. And they can charge consumers hundreds of dollars per month, sometimes for years. States are trying to strengthen protections, but credit repair industry has predictably responded with myths about why stronger protections are not needed.
Read More about Myths and Facts About Improving Credit Repair State Laws
-
Consumer Groups Support of One-to-One Consent Rule
As illustrated in the hundreds of express comments filed in this proceeding from small businesses that are not lead generators or telemarketers, the “economic consequences” of the Commission’s order will be overwhelmingly positive for small business because telemarketing messages to their telephones cost them– in money, time, and missed calls.
Read More about Consumer Groups Support of One-to-One Consent Rule
-
Letter to FCC from National Consumer and Privacy Groups on Importance of Allowing Wireless Providers to Impose CTIA's Best Practices on Business to Consumer Texts
Commenters representing frequent business texters (including telemarketers) seek to unwind and reduce existing protections fail to recognize that the reason that the text method of communication is currently so valuable is directly related to the protections the Messaging Principles and Best Practices and providers establish for these messages, particularly the control that these protections give…
-
Retail ‘Choice’: A Bad Deal for Consumers and the Planet
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
-
Larger Loans Need Lower Rates: A 50-State Survey of the APRs Allowed for a $10,000 Loan
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.
