Programs that allow utility customers to borrow for energy efficiency and renewable energy upgrades, and to repay the loan through a surcharge on the utility bill, add debt to already debt burdened families and put low-income households at risk. These programs, referred to as tariffed on-bill financing or “inclusive utility investment,” are loans made to…
NCLC’s comment, joined by NHLP, CFA, AFREF, and NFHA, responds to CFPB’s questions about the TRID disclosure regime. We are issuing a press release.
Read More about Comment to CFPB's RFI on Access to Mortgage Credit
This is a supplemental amicus brief submitted to the U.S. Court of Appeals for the Tenth Circuit in the case National Association of Industrial Bankers et al. v. Philip J. Weiser and Martha Fulford (No. 24-1293).
Read More about Amicus Brief in NAIB v. Weiser (10th Cir. en banc)
The brief, submitted by Tech Justice law, Check My Ads Institute, Consumer Federation of America, Consumer Reports, National Association of Consumer Advocates, and NCLC, addresses Meta’s knowledge of rampant fraudulent advertisements on its Facebook platform and the company’s system for generating revenue from those ads. The groups argue that Meta’s knowing facilitation of scam ads…
Read More about Amicus Brief in Calise v. Meta Platforms, Inc.
Anne Cuvellier and David Hills, on behalf of herself and all others similarly situated v. Unison Agreement Corp., Unison Investment Management, LLC, and Real Estate Equity Exchange, Inc., 3:26-cv-30126 (D. Mass.) This class action complaint seeks relief for Massachusetts borrowers against predatory mortgage lender Unison Agreement Corp. and its affiliates. The case asserts that the…
The FTC should withdraw the proposed policy statement as it harms consumers, creates confusion in the market, and chills compliance with state and federal antidiscrimination laws.
The FTC should withdraw proposed policy statement concerning the suppression of accuracy in AI systems.
Read More about Lawyers Committee Comments on FTC Proposed Policy Statement on AI
Transportation expenses are the second largest household expense for most families. Can electric vehicles help reduce transportation costs for families?
Read More about Drive Cleaner, Pay Less: EVs and Affordability
This brief urges a Michigan trial court to order the state House of Representatives to submit a bill to the Governor for signature. The bill would have greatly improved Michigan’s outdated exemptions. The brief includes descriptions of compelling testimony by Michigan residents about the need to improve the state’s protections against seizure of essential income…
Reply comments supporting the FCC’s proposals to require enhanced Know-You-Customer information for several forms of voice service.
Read More about Reply Comments of Consumer Groups on KYC FNPRM
NCLC, on behalf of our low-income clients, and 134 consumer, civil rights, legal services and community groups, and academics submitted comments to the Federal Deposit Insurance Corp.(FDIC), Office of the Comptroller of the Currency (OCC), and Board of Governors of the Federal Reserve System (FRB) on the application of Opportunity Financial (“OppFi”) to become a…
Read More about Comments on the Application to Charter OppFi National Bank & Acquire BNC Bank
This comment letter urges the Federal Housing Finance Agency (FHFA) not to repeal the specific requirements that it imposed on the Government Sponsored Enterprises to better serve the manufactured housing market. These requirements include certain minimum lease protections for homeowners in manufactured home communities. The comment letter also addresses many other aspects of the FHFA’s…
