NCLC joined reply comments to the Federal Communications Commission (FCC), submitted on July 12, 2023, regarding the FCC’s implementation of the Martha Wright-Reed Just and Reasonable Communications Act of 2022. Among other things, the Martha Wright-Reed Act directs the FCC to ensure that companies providing communication services to people who are incarcerated are no longer…
Alternative home financing transactions like land contracts and leases with option to buy have garnered much attention. NCLC’s research has led us to conclude that these alternative transactions do not provide a meaningful pathway to homeownership. Rather, land contracts and leases with option to buy are both costly and destructive detours that diminish the likelihood…
NCLC submitted comments to Nacha in response to a request for information on potential changes to Nacha rules to address the management of fraud. The comments urged Nacha to require the banks that hold accounts of fraudsters to monitor the rate at which consumers request return of funds and to keep those return rates below…
The FCC’s Robocall Response Team and the Attorneys General of Illinois, Massachusetts, Michigan, and New Hampshire are teaming up to warn consumers about a potential rise in student loan debt scam robocalls and robotexts in the wake of the recent Supreme Court decision in Biden vs. Nebraska. This decision, which relates to the Department of…
In these comments, the National Consumer Law Center and the Center for Responsible Lending provided detailed comments to HUD’s proposed Payment Supplement Partial Claim program, which will help borrowers avoid unnecessary foreclosure.
Read More about NCLC and CRL Comments to HUD's Proposed Payment Supplement Partial Claim
The letter, joined by sixty-three non-profit organizations, supports HUD’s proposed Payment Supplement Partial Claim program as a necessary innovation to provide FHA-insured borrowers who have fallen behind on their loans with the payment relief needed to help them avoid foreclosure.
As the demographics of the U.S. population change, so do the faces of homeownership. Since the housing crisis, federal regulators have taken significant strides to provide enhanced protections to mortgage borrowers to prevent harms that led to the crisis and to ensure that borrowers are offered home retention options when they face hardship. Despite this…
Read More about Barriers to Language Access in the Housing Market: Stories from the Field
n response to the Federal Trade Commission's Negative Option Rule. The organizations strongly supported the rule's provisions to mitigate harms from unfair and deceptive practices regarding free trials and negative option programs.
Read More about NCLC Comments to FTC Negative Option "Click to Cancel" Proposed Rule
Comments have been submitted on behalf of civil rights and consumer advocacy organizations in support of the Federal Housing Finance Agency's notice of proposed rulemaking on Equitable Housing Finance and Fair Lending Supervision.
NCLC and others submitted public comments on the Notice of Proposed Rulemaking (Docket ID ED–2023–OPE–0089) regarding the Department of Education’s proposed gainful employment rule and other proposals to enhance transparency and accountability in higher education. The group represents a broad coalition of organizations working on behalf of students, veterans, faculty and staff, civil rights advocates,…
Read More about Comments to the Dept of Education on Accountability Regulations in Higher Education