Resources Archive

Comments in Response to the Department of Energy's Proposed Standards for Refrigerators and Freezers

April 28, 2023

Comments submitted in response to the Department’s proposed standards for Refrigerators, Refrigerator-Freezers, and Freezers, as appearing in 88 Federal Register 12452 (Feb. 27, 2023). They are jointly supported by a broad range of consumer, environmental and low-income advocacy organizations: National Consumer Law Center, on behalf of its low-income clients; Texas Utility Law Project; Association for…

Group Letter in Support of the Forced Arbitration Injustice Repeal (FAIR) Act

April 27, 2023

The undersigned consumer, civil rights, worker rights, health, environmental, community, faith,student, and other public interest organizations, strongly support the Forced Arbitration Injustice Repeal(FAIR) Act. The legislation would ensure that workers, consumers, servicemembers, nursing homeresidents, ordinary investors, and small businesses harmed by bad actors will be able to bring validclaims in court, and will not be…

Health Care Plastic: The Risks of Medical Credit Cards

April 27, 2023

Many consumers charge medical bills to credit cards. Some consumers end up using specialized medical credit cards to pay health care expenses, especially for expenses generally not covered by health insurance such as dental or vision care. This report discusses these medical credit cards in depth, beginning with a brief background section and then presenting…

Amicus Brief in Sequeira, et al. v. U.S. Department of Homeland Security

April 24, 2023

NCLC joined an amicus brief with Public Counsel to assert that money transfer businesses are financial institutions covered by the RFPA, and therefore protect the financial records of remittance senders who rely on money transfer businesses for their transactions. The amicus brief provides the Court with background information and insight on remittances and their importance…

Group Comments to the Department of Education Regarding Intent to Establish Negotiated Rulemaking Committee for Programs Authorized Under Title IV

April 24, 2023

Comments submitted on behalf of the low-income clients of the Legal Aid Foundation of Los Angeles (LAFLA) and the National Consumer Law Center (NCLC) in response to the Department’s announcement of its intent to form a negotiated rulemaking committee to address program participation in federal student aid programs under Title IV of the HEA, including…

NCLC-CFA Comments in Response to CFPB Request for Information Regarding the Consumer Credit Card Market

April 24, 2023

The National Consumer Law Center (on behalf of our low-income clients) and Consumer Federation of America submitted comments to the CFPB’s 2023 Request for Information (RFI) Regarding the Consumer Credit Card Market. These comments focus on the following topics: A. Deferred Interest. It is way past time for the CFPB to eliminate deferred interest, which…

Group Comments of Ten Consumer Organizations on Registry of Supervised Nonbanks That Use Form Contracts to Impose Terms and Conditions That Seek to Waive or Limit Consumer Legal Protections

April 3, 2023

The undersigned organizations, representing millions of consumers, support the rule proposed by the Consumer Financial Protection Bureau (“CFPB”) to increase transparency and bring consumer awareness to the rights nonbank financial firms require Americans to surrender just to use their products and services. The proposed rule would create a publicly accessible registry system for these nonbank…

Group Comments of 65 Consumer Organizations on Registry of Supervised Nonbanks That Use Form Contracts to Impose Terms and Conditions That Seek to Waive or Limit Consumer Legal Protections

April 3, 2023

The undersigned organizations support and applaud the Consumer Financial Protection Bureau’s (CFPB) proposed rulemaking to increase transparency in financial services, to the great benefit of American consumers. This rule would create a registry system for nonbank financial firms, requiring them to publicly report terms and conditions, such as forced arbitration, that have been commonly weaponized…

Amicus Brief in Robinhood v. Galvin

April 12, 2023

The Massachusetts Fiduciary Rule will have a tremendous impact in helping investors in the Commonwealth save for their future. The Rule would significantly lessen the consequences of investor confusion regarding professionals’ differing roles and standards and the detrimental costs of conflicted advice because all financial professionals would be required to put the investor’s interest first…

Coalition Comment to FHA on 203(k) Rehabilitation Mortgages, Including Energy Efficiency Loans

April 17, 2023

FHA’s 203(k) program enables individuals and families to finance and rehabilitate an aged home. In this high-demand housing market, changes to the 203(k) could increase the utilization of this loan program, especially among prospective first-time homebuyers.

Making the Numbers Count: Why Proprietary School Data Doesn’t Add Up and What Can Be Done About It

June 28, 2005

Equal access to quality education is fundamental to American society. This general principle has very practical implications. Studies consistently show that education is one of the most important indicators of economic status in our society. Education after high school is more than just a fulfilling experience; it is often the difference between basic financial independence…

No Way Out: Student Loans, Financial Distress, and the Need for Policy Reform

June 23, 2006

As the cost of financing our nation’s higher education system falls increasingly on students and families, student loan debt is rising at alarming rates. Most borrowers have to make some sacrifices to repay student loans. The problem, as discussed and documented in this paper, is the extent of these sacrifices. Many student loan borrowers face…

All Resources