Resources Archive

Defining Larger Participants of the Consumer Debt Collection Market

September 22, 2025

The National Consumer Law Center (on behalf of its low-income clients) and Consumer Federation of America appreciate the opportunity to submit these comments on the Consumer Financial Protection Bureau’s (CFPB) advance notice of proposed rulemaking (ANPR) on whether to propose a rule to amend the test to define larger nonbank participants in the consumer debt…

Comments from 70+ Legal Services Organizations on Proposed Public Service Loan Forgiveness Rule

September 18, 2025

This comment on the Department of Education’s proposed rule to change the terms of the Public Service Loan Forgiveness program (PSLF) is from 70+ legal services organizations that work on behalf of low-income people. The Higher Education Act defines qualifying public service jobs for PSLF as work for nonprofit 501(c)(3) employers and work for “public…

Testimony of Carla Sanchez-Adams Before U.S. House Subcommittee: “Fraud in Focus: Exposing Financial Threats to American Families”

September 18, 2025

Fraud continues to pose a threat to U.S. households, businesses, financial institutions, and the economy as a whole. Consumers are plagued by problems with unauthorized transactions as well as fraudulently induced payments involving peer-to-peer payment applications, crypto-assets, bank-to-bank wire transfers, check alterations and forgeries, and Electronic Benefits Transfer (EBT) card skimming. The increasing ease and…

Gout v. Unison Agreement Corp. et al.

September 18, 2025

Patricia Gout, on behalf of herself and all others similarly situated v. Unison Agreement Corp., Unison Investment Management, LLC, and Real Estate Equity Exchange, Inc., CGC-25-629062 (Cal. Super. Ct.) This class action complaint seeks relief for California borrowers against predatory mortgage lender Unison Agreement Corp. and its affiliates. The case asserts that the defendants dupe…

Letter Supporting the Forced Arbitration Injustice Repeal (FAIR) Act

September 18, 2025

NCLC signed on to a letter supporting the Forced Arbitration Injustice Repeal (FAIR) Act, which restores consumers’ day in court. The Act would give workers, consumers, servicemembers, ordinary investors, small businesses, and others the freedom to seek accountability in court when they are harmed.

Reply to FCC Requesting Rescission of 2-Year Delay of Regulations Protecting Incarcerated People’s Communications Services

September 17, 2025

NCLC joined several other organizations in filing a reply brief to the Federal Communications Commission. In July, we had filed an Application for Review asking the agency not to delay for 2 years the implementation of regulations that set price caps on phone and video communications for incarcerated folks to make them more affordable. These…

Comments to OCC, Fed, and FDIC on Payment Fraud

September 15, 2025

NCLC submitted comments to the Office of the Comptroller of the Currency, Federal Reserve Board and Federal Deposit Insurance Corp. in response their request for information on actions to address payment fraud.

Buy Now Pay Later Comments to NY Dept of Financial Services

September 15, 2025

NCLC submitted comments to the New York Department of Financial Services in response to its request for information on buy now, pay later products. The comments address issues that DFS should consider when writing regulations in order to protect consumers. The BNPL Act gives DFS broad authority to promulgate rules consistent with the purposes of…

EPIC-NCLC Comments to House Financial Services Committee on Financial Data Privacy

September 11, 2025

These are EPIC and NCLC’s longer detailed comments in respond to the House Financial Services Committee request for feedback on current federal consumer financial data privacy law and potential legislative proposals, including updates to the Gramm Leach Bliley Act (GLBA). The comments urge the House FSC to

Adverse Comments of Six National Consumer Groups Opposing FCC's Direct Final Rule

September 8, 2025

Six national consumer groups submitted comments opposing the FCC’s Direct Final Rule which proposes an expedited procedure that potentially enacts important regulatory changes without providing interested parties and the public with legally required opportunities for comment and judicial redress.

Comments to Department of Education Regarding Upcoming Student Loan Repayment and School Accountability Rulemakings

September 5, 2025

The National Consumer Law Center, on behalf of its low-income clients, submits this comment in response to the Department of Education’s announcement of intent to establish two negotiated rulemaking committees (RISE and AHEAD) to make changes to federal student aid programs authorized under Title IV of the Higher Education Act (HEA) of 1965, as amended.…

Model Law for Home Equity Investment Loans

September 5, 2025

Home Equity “Investment” (HEI) Loans are a relatively new financial product secured by a homeowner’s primary residence. At heart, they are very expensive mortgages with confusing and overly complicated terms. HEI lenders try to evade consumer protections by falsely claiming that their product is not a loan. Courts and lawmakers who have looked at HEI…

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