Resources Archive

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.

Reply Comments to the FCC Regarding Consent for Telemarketing Calls

June 6, 2023

Follow up comments on consent requirements for telemarketing calls, pointing out that lead generators and other “consent farms” have been illegally collecting and trading purported consent agreements for these calls, and that if the FCC issues guidance like that issued by the FTC, most of the billion-plus telemarketing calls made every month would likely stop.

Consumer and Privacy Group Comments to FCC Regarding Consent for Telemarketing Calls

May 8, 2023

Comments filed by NCLC on behalf of eleven national consumer and privacy organizations urging the FCC to issue guidance stating the existing regulations governing agreements for consent and permission for prerecorded telemarketing calls to cell phones and landlines, and all telemarketing calls to lines on the DNC registry can only relate to calls from one seller…

Comments to the CFPB on Property Assessed Clean Energy (PACE) Financing Proposed Rule

July 26, 2023

NCLC and NHLP submitted comments in strong support of the CFPB’s proposed consumer protection regulations for PACE loans, with recommendations to strengthen the proposal and help it more fully meet its goals.

Letter to IRS Supporting Free-File

July 19, 2023

NCLC joined a large coaltion thanking the IRS for developing the report to Congress on an IRS-run direct tax filing system and commending the IRS for the announcement that the IRS will launch a pilot direct file tool in 2024 to streamline access to the tax system. The letter emphasizes that Direct File will help…

All Resources