This resource compiles a variety of materials that are relevant to consumer advocates working on policy reforms related to the collection of unsecured consumer debts (credit card debts, medical debt, etc.).
Read More about State Policy Resources: Consumer Debt Collection
By prohibiting health care providers from seeking liens against patients' homes, House Bill 673 would go a long way toward providing relief from one of the most harmful medical debt collection practices and recognizing how vital housing stability and homeownership is to economic security and physical health.
NCLC submitted testimony in support of Maryland SB 548 (Snydor), the Ratepayer Protection Act. The bill would provide modest, but important consumer ratepayer protections updates to Maryland’s Strategic Infrastructure Development and Enhancement Plan (STRIDE) accelerated and unchecked natural gas infrastructure investment law. The bill requires the utilities to prioritize aging gas pipes based on their…
We acknowledge that USDS represents an improved servicing environment for borrowers and offer recommendations to ensure a successful transition to the USDS servicing environment.
Testimony in support of Hawaii SB 2664, which clarifies that earned wage advances and other fintech cash advances are loans subject to Hawaii law and interest rate limits. In 2021, the Hawaii Legislature voted unanimously to end predatory payday lending in the state when it enacted HB 1192
Read More about Testimony in Support of Hawaii SB 2664 on Earned Wage Advances
Reply comments applaud the FCC for its response to carrier vulnerabilities leading to SIM swap and port-out fraud.
NCLC submitted comments, co-authored by the Fines and Fees Justice Center and joined by five other organizations, in response to the Bureau of Prisons’ (“BOP”) Proposed Rule on “Reservation of Funds for Reentry Under the First Step Act.” In these comments, we argue that the BOP must revise its Proposed Rule to better accord with…
The comments support the FTC’s proposed rule and urges the Commission to strengthen several provisions in the proposed rule to prevent companies from using alternative deceptive pricing tactics to get around the rule.
Read More about Consumer Coalition Comments to the FTC's Proposed Junk Fee Rule
NCLC, the Prison Policy Initiative (PPI), and advocate Stephen Raher submitted comments in response to the Federal Trade Commission’s (FTC) Proposed Rule on junk fees. These comments address the Proposed Rule as it would apply to junk fees that affect justice-involved people. Unfortunately, these fees are very common, and they cause particular harm to consumers…
Advocates commend the VA for seeking input on this important topic and we hope that our comments will help inform the VA’s views.
To help ensure that renters can find safe, decent, and affordable housing, we urge the FTC to adopt a final rule that applies to rental housing and protects renters and rental housing applicants from hidden, misleading, and excessive fees.
When state advocates seek to increase protections for working people’s wages, opponents, broadly citing academic literature to support their position, often argue that increased protections for wages will decrease access to credit or increase the cost of credit. Upon closer inspection, however, many of these studies do not examine wage seizure at all, or, when…
Read More about No Clear Relationship Between Wage Seizure Protections and Access to Credit
