Letter to House Committee on Veterans' Affairs
This letter outlines VA's authority to create its VA Servicing Purchase program.
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Community Solar: Expanding Access and Safeguarding Low-Income Families
This report will provide states with model community solar consumer protections to ensure equitable outcomes for low-income participants.
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Testimony Supporting Minnesota HF 3680 Opting Out of DIDMCA
NCLC submitted testimony supporting Minnesota HF 3680, which opts Minnesota out of the Depository Institutions Deregulation and Monetary Control Act (DIDMCA), which predatory lenders are using to evade state interest rate limits. The bill would stop predatory lenders from charging up to 225% interest in violation of Minnesota law.
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Testimony In Support of Maryland HB 1156: The Elder Fraud Prevention Act of 2024
Payment fraud impacts all Americans across many communities, but the impacts of fraud are most keenly felt by certain vulnerable populations such as older Americans, low-income consumers, and communities of color. Additionally, Maryland ranks fifth in the nation for 2023 fraud reports per capita. One of the primary ways used by criminals to steal tens…
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Rooftop Solar: Consumer Protection Recommendations
This issue brief lists some of the reported problems and consumer risks of rooftop solar agreements and provides policy recommendations to address these concerns for all consumers.
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Homeowners at Risk: Nationwide Survey Reveals Critical Gaps the CFPB Must Address to Prevent Foreclosures
The Consumer Financial Protection Bureau (CFPB) is currently working on a proposed regulation to update its mortgage servicing rule to permanently allow for streamlined loss mitigation reviews. The National Consumer Law Center (NCLC) conducted a nationwide survey in January 2024 to shed light on certain ongoing challenges that create an elevated risk of foreclosure. More…
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Comments on Treasury Department's Request for Information on Financial Inclusion
NCLC submitted comments in response to the Treasury Department’s request for information on developing a national strategy for financial inclusion. Our comments begin by addressing some of the risks associated with expanding the use of alternative data in credit reporting and argue that “alternative” data is best left outside of the main credit reporting file.…
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Healthcare and Consumer Groups Comments on Facility Fee Junk Fees
This is a comment responding to the FTC’s proposed junk fee rule from organizations focusing on health and consumer protection issues, including medical debt, disability rights, health equity, and economic justice. The comment focuses on the application of the proposed rule to “facility fees,” which are charges that ostensibly cover the operational expenses of hospitals.…
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Letter Expressing Consumer Groups' Concern with HR 1059 – SECURE Notarization Act of 2023
As written, this bill would harm consumers and aid scammers by making it more difficult to challenge fraud involving electronic records and electronic signatures. The bill preempts consumer-friendly state laws without establishing reasonable protections on the federal level.
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Testimony of Steve Sharpe Before U.S. House Committee on Veterans’ Affairs Regarding the State of the U.S. Department of Veterans Affairs (VA) Home Loan Guaranty Program
Steven R. Sharpe, Senior Attorney, National Consumer Law Center, testified on behalf of its low-income clients during “Sink or Swim? A Deep Dive into the Current State of VA’s Home Loan Program in a Competitive Market” before the United States House Committee on Veterans’ Affairs, Subcommittee on Economic Opportunity. We applaud VA for recognizing the…
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State Policy Resources: Consumer Debt Collection
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.).
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Testimony in Support of HB 673 (Maryland)
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.
