Comment on Use of Independent Third-Party Providers in Connection with Claims Without Conveyance of Title (CWCOT)
This letter urges HUD to retain policy on the use of third-party vendors in order to avoid misalignment of servicer incentives.
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People, et al. v. Low Credit Rents, et al.
Eli Savit, Prosecuting Attorney for Washtenaw County, ex rel. the People of the State of Michigan, and Kaitlin Hall and Kyesha Ford, on behalf of themselves and all others similarly situated, 26-000080-CP (Washtenaw Cty Trial Ct., MI) The class action lawsuit, filed jointly with the Washtenaw County Prosecutor’s Office, seeks relief for Michigan renters who…
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Statement for the Record for Hearing on Fintech Innovations
NCLC, on behalf of its low-income clients, submitted a Statement for the Record in connection with the January 13, 2026 hearing on “Delivering for American Consumers: A Review of FinTech Innovations and Regulations” before the Subcommittee on Digital Assets, Financial Technology and Artificial Intelligence of the House Committee on Financial Services. The statement emphasized that…
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Picking Workers' Pockets: Unfair, Deceptive and Abusive Practices by Earned Wage Payday Lenders
Fueling the ongoing affordability crisis, new types of payday loans offered through cash advance apps – so-called “earned wage access products”– drain hundreds of dollars a year from thin wages.
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Selected Government Enforcement Actions Against Earned Wage Payday Lenders
Selected complaints filed in government enforcement actions discussed in the report, Picking Workers’ Pockets: Unfair, Deceptive and Abusive Practices by Earned Wage Payday Lenders, highlights the following enforcement actions taken against providers of earned wage payday lenders: FTC v. Bridge It; FTC v. Floatme; CFPB v. Solo Funds; DC AG v. EarnIn d/b/a Active Hours;…
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Comments in Response to FCC Rulemaking on Requiring Transmission of Caller's Name
Comments of NCLC, EPIC and NACA have been submitted in response to FCC Notice of Proposed Rulemaking proposing to require that certain types of calls, those with the highest level of attestation under the STIR/SHAKEN framework which the agency thinks are unlikely to have spoofed calling numbers, must have the caller’s name transmitted to the…
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Letter to DOJ and AAMVA Regarding the National Motor Vehicle Title Information System (NMVTIS)
NCLC and Consumer Federation of America wrote to the U.S. Department of Justice (DOJ) and the American Association of Motor Vehicle Administrators (AAMVA) expressing concerns about the lack of clarity and contradictory information in consumer reports accessing data from the National Motor Vehicle Title Information System (NMVTIS) and advocating for changes to provide consumers with…
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Comments Supporting the CFPB Complaints System
NCLC joined a comment letter emphasizing the importance of the CFPB’s system for accepting, processing and publishing consumer complaints.
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Amicus Brief in Supreme Court Property Tax Foreclosure Case, Pung v. Isabella County
NCLC’s amicus brief in the Supreme Court property tax foreclosure case, Pung v. Isabella County, argues that the sale proceeds from a public auction in a tax foreclosure are not the just compensation the former owner of the property is entitled to under the Takings Clause of the Constitution, particularly in states where the only…
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Predatory Installment Lending in the States: How Well Do the States Protect Consumers Against High-Cost Installment Loans? (2025)
© Copyright 2025, National Consumer Law Center, Inc. All rights reserved. Caps on interest rates and junk fees are the primary vehicle by which states protect consumers from predatory lending. Forty-five states and the District of Columbia currently cap interest rates and loan fees for at least some consumer installment loans, depending on the size…
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Testimony to the Council of the District of Columbia Committee on Health B26-0438 Medical Debt Mitigation Amendment Act of 2025 Position: Support
The Medical Debt Mitigation Amendment Act of 2025, B26-0438, will reduce the burden of medical debt for families in the District of Columbia. B26-0438 expands access to hospital financial assistance for low-income families, limits credit reporting of medical debt, establishes protections against wage garnishment and home liens, and caps interest rates to 3% on medical…
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Letter Opposing S.2750 (Cruz), Strengthening Artificial Intelligence Normalization and Diffusion by Oversight and eXperimentation (SANDBOX) Act
NCLC joined a letter opposing S.2750 (Cruz), Strengthening Artificial Intelligence Normalization and Diffusion by Oversight and eXperimentation (SANDBOX) Act, which would authorize the Office of Science and Technology Policy (OSTP) to grant companies waivers of federal law up to a decade to experiment with artificial intelligence products or services.
