Resources Archive

Joint Comments on Adoption of Energy Efficiency Standards for New Construction of HUD- and USDA-Financed Housing: Preliminary Determination

August 7, 2023

Joint comments were submitted on the preliminary determination to update energy efficiency requirements for federally financed housing. The covered Department of Housing and Urban Development (HUD) and Department of Agriculture (USDA) mortgages and programs provide essential support for new affordable homes, a critical national need. Yet these homes may waste energy, resulting in high energy…

Testimony in Support of S.2106/H.3196, An Act Relative to Electric Ratepayer Protections

June 5, 2023

NCLC provided written testimony in support of Massachusetts legislation to end the sales of competitive retail electric supply to individual households. Due to a long history of deceptive sales practices and overpriced utility services, NCLC support this and similar measures.

Consumer Resources for Scam Calls and Texts

February 21, 2024

What should you say to a scam caller? Nothing! Learn more about identifying and reporting scam calls and texts.

Reply Comments on FCC's NPRM on Revocation of Consent

August 8, 2023

Reply Comments urging FCC to facilitate revocations of consent by requiring automated opt-out mechanisms for all TCPA covered calls and texts, and clarifying that once consent is revoked no further calls relating to that seller or other entity can be made, and more.

Letter to the CFPB Requesting Inclusion of EBT Users in Section 1033 Rulemaking

July 27, 2023

This letter requests that the CFBP reconsider including EBT cards in their proposed rules under Section 1033 of the Dodd-Frank Act. EBT cards are used by low-income consumers receiving benefits through the Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF). Section 1033 provides that a consumer financial services provider must make…

Protecting Older Adults from Surprise Medical Bills

July 31, 2023

Medical bills often arrive unexpectedly and send many families into a financial tailspin. Unanticipated out-of-network medical bills, which often happen during emergencies, are referred to as “surprise bills” and can reach hundreds or thousands of dollars. This issue brief provides a general overview of older patients’ rights against surprise medical bills, focusing on protections provided…

My School Has Closed--What Do I Do Now?

July 31, 2023

This one-pager helps students who are attending a school that closed or is about to close figure out what to do next with their federal and private loans.

Joint Comments to CFPB re: Abusive Conduct, Including Affecting Justice-Involved Consumers

July 3, 2023

NCLC submitted comments to the Consumer Financial Protection Bureau (CFPB), along with several other advocacy organizations, in support of the CFPB’s policy statement regarding the prohibition on abusive acts and practices. NCLC contributed a section elaborating on abusive conduct that affects consumers who are currently or were formerly incarcerated and their loved ones (pp. 22-26).…

Consumer Group Comments to FCC on Revocation of Consent for Telemarketing and Robocalls

July 31, 2023

NCLC and other national groups recommend that the FCC require an automated opt-out mechanism for all prerecorded calls, ensure that consent is always revocable, and clarify that sellers and creditors are responsible for ensuring that callers making calls on their behalf must stop calling after revocation of consent.

Comments to FHFA on Tenant Protections for Enterprise-Backed Multifamily Properties Request for Information

July 27, 2023

The comment discusses consumer issues facing low-income multifamily tenants and proposes steps FHFA can take to address these issues.

Americans for Financial Reform Coalition Comment to CFPB on PACE Rulemaking

July 26, 2023

Americans for Financial Reform Education Fund, along with 20 organizations in the housing, consumer protection, climate and environmental justice, and community investment spaces, submitted comments on the Consumer Financial Protection Bureau (CFPB)’s proposed rule on residential Property Assessed Clean Energy (PACE) financing. The comment urges the CFPB to finalize this rule swiftly to protect consumers.…

Ex Parte Letter to the FCC Regarding Telemarketing Consent

June 14, 2023

A letter to the FCC describing a meeting between national consumer groups and the FCC on consent requirements for telemarketing calls, pointing out that 28 state Attorneys General support our position, as does USTelecom-The Broadband Association.

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