Resources Archive

Tariff-based On-Bill Financing: Assessing the Risks for Low-Income Consumers

February 17, 2023

More than a quarter of households struggle to meet their energy needs. These households frequently face the risk of having their utility service terminated. Low-income families, in particular, spend a substantial portion of their income on electricity and heating. The average low-income household spends around 14% of their annual income on energy bills, compared to…

Testimony Before the Connecticut General Assembly Regarding Raised Bill No. 988

February 16, 2023

Resident ownership of manufactured housing communities brings enormous advantages, both for the residents and for the community at large. When residents own the land on which their homes sit, they – and the community at large — know that their homes are secure. The danger of closure of the park, leaving hundreds of families without…

Testimony Before Maryland General Assembly Regarding H.B. 23

February 16, 2023

Manufactured housing is the largest source of unsubsidized affordable housing in the United States. H.B. 23 would go a long way to stabilize and improve manufactured home communities in Maryland, and the lives of the people – many of whom are low or moderate income – who live there. NCLC has long had a focus…

Comments to New York Department of Financial Services Regarding Draft of Revised Proposed Amendment to 23 NYCRR 1

February 13, 2023

NCLC submitted comments in response to the previous version of the proposed amendments. We commend the efforts of the Department of Financial Services (“DFS”) to continue to strengthen these regulations and to fill gaps in consumer protections left by the federal debt collection regulations issued to implement the Fair Debt Collection Practices Act (Regulation F).…

Group Leadership Conference on Civil and Human Rights Comment to the Department of Education on Proposed Student Loan Income-Driven Repayment Rule

February 13, 2023

The Leadership Conference on Civil and Human Rights, a coalition charged by its diverse membership of more than 230 national organizations to promote and protect the civil and human rights of all persons in the United States, and 12 undersigned organizations write to submit comments on the U.S. Department of Education’s proposed regulations governing Income-Driven…

Comments by Legal Aid Organizations to the Department of Education on Proposed Student Loan Income-Driven Repayment Rule

February 13, 2023

These comments, submitted on behalf of organizations across the country that provide free legal assistance to people with low incomes, address the Department’s proposed changes to improve income-driven repayment (IDR) of student loans in the Direct Loan program. The comments are informed by the work of the legal aid attorneys and their experience helping low-income…

National Consumer Group Comments Opposing Attempt by Telemarketer DentalPlans.com to Evade TCPA Liability

February 10, 2023

Comments filed on behalf of low-income clients and a coalition of consumer and privacy organizations opposing in all respects the Petition filed by DentalPlans.com.

Coalition Letter to Federal Reserve on Climate Financial Risk Management

February 10, 2023

Americans for Financial Reform Education Fund, National Consumer Law Center, and the undersigned organizations urge the Federal Reserve Board to ensure that financial institutions carefully consider the potential impacts of climate-related financial risks in the context of racial, economic, environmental, and climate justice and the financial institutions’ obligations under the Fair Housing Act, the Equal…

Protect Students & Taxpayers Coalition's welcome letter to Members of the 118th Congress

February 10, 2023

In this letter, 40 signatories outline priorities that include supporting a strong gainful employment rule, protecting the borrower defense and 90/10 regulations, and strengthening the incentive-based compensation ban.

Letter to Sen. Elizabeth Warren addressing the president's authority to cancel student debt

February 10, 2023

The letter was written in response to the Senator’s January 17, 2023 letter requesting information on the impact of the attempts to block President Biden’s transformational plan to cancel up to $20,000 in student loan debt for millions of Americans.

Group Comments to the FTC Regarding Rental Housing Junk Fees

February 8, 2023

The 39 organizations listed below are pleased to submit these comments in response to the Federal Trade Commission’s (FTC) Advance Notice of Proposed Rulemaking regarding unfair or deceptive fees, R207011. These comments discuss the many fees, which we refer to as “junk fees,” charged to renters and rental housing applicants. The organizations urge the FTC…

Letter to Treasury Regarding Tax Offset of EITC and CTC Benefits and Implications for Justice-Involved Individuals

February 8, 2023

NCLC writes to express our continued concern about the Treasury Department’s practice of using the Treasury Offset Program (TOP) to reduce or eliminate payments made through refundable Child Tax Credits (CTC) and Earned Income Tax Credits (EITC) when paid as part of a federal tax refund. These tax credits are intended to support families and…

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