NCLC and NHLP Comment on USDA Direct Loan RFI
This comment raises significant issues with USDA’s proposal to outsource servicing of USDA Direct Loans.
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Letter to Congressional Joint Economic Committee About Scam Calls
NCLC advocates provided information about scam calls and text messages to congressional investigators for the Joint Economic Committee. The letter addressed the causes behind the proliferation of scam calls and texts, their economic impact on subscribers, and what can be done to stop them.
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Driving Out of Poverty in Private Automobiles
When America set out to replace welfare with work, it was generally recognized that the transportation needs of new workers would have to be met in order for this reform policy to succeed. Four years after the full implementation of welfare reform, the lack of an adequate transportation solution has emerged as one of the…
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Imperfect Competition in Auto Lending: Subjective Markup, RacialDisparity, and Class Action Litigation
While the market for auto lending at first appears to be highly competitive, manyconsumers lack the ability to obtain accurate information about price. In many markets,uninformed consumers can “free ride” off the knowledge of informed consumers. However, the market for auto lending differs from traditional markets because priceultimately depends upon both the credit worthiness of…
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Handcuffing Heirs: How Seizing Inheritances to Collect Pay-to-Stay Prison Fees Hinders Recovery and Financial Stability
An inheritance is an important family legacy that can provide a safety net for future generations. For working families struggling to keep up with rising living costs, the transfer of a family home or other inheritance can provide newfound economic security. In particular, the anticipated wealth transfer from the Baby Boomer generation to their heirs…
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Coalition Comment on the CFPB's Proposed Rule Amending the Civil Penalty Fund Rule
This comment pushes back against the proposal by the Consumer Financial Protection Bureau (CFPB) to limit the permissible uses of the Consumer Financial Civil Penalty Fund. The proposed rule may signal a plan to stop compensating victims of companies that violate the law and then say they have no money to repay, and perpetuates a…
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NCLC Supports Rep. Correa's Student Loan Bankruptcy Improvement Act.
NCLC supports Rep. Correa’s Student Loan Bankruptcy Improvement Act, which would give a meaningful opportunity for financially distressed Americans to discharge student loan debts in bankruptcy by changing the standard used by courts in handling requests for discharge.
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NCLC Testimony on Massachusetts H.4144, An Act Relative to Energy Affordability
This 2025 Massachusetts legislation aims to make energy bills more affordable for consumers. NCLC testifed in support of consumer protections during extreme heat, and protections in the competitive energy supply market. NCLC also explained our concerns with sections on submetering of electricity, and energy bill surcharges to finance energy efficiency and electrification purchases.
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Burkhardt et al. v. MoneyLion Technologies Inc. et al.
Johnathan Burkhard and Deven Burkhardt, individually and on behalf of all others similarly situated v. MoneyLion Technologies Inc., ML Plus, LLC, and MoneyLion of Florida, LLC, No. 3:25-cv-00693 (N.D. Fla.) This case seeks relief against predatory earned wage access lender MoneyLion and related companies on behalf of a nationwide class of servicemembers and their spouses…
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Letter Opposing Anti-CFPB Bills
NCLC joined 68 community, civil rights, consumer, civic and other organizations opposing bills that would undermine the Consumer Financial Protection Bureau (CFPB) and threaten its statutorily mandated consumer protection mission.
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Petition for Rulemaking Concerning the Finality of a Car Purchase (Yo-Yo Financing)
The petition, signed by six national public interest organizations who represent car buyersacross the country, demonstrates that despite agreeing to terms in signed credit contracts, car dealers regularly refuse to follow through with the original agreement with buyers, and typically engage in yo yo tactics by claiming the transaction depends on the dealer’s ability to…
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Letter Opposing CLARITY Act
NCLC joined 82 investor, consumer and other advocacy organizations opposing the CLARITY ACT, H.R. 3633, which legitimizes risky and exploitative crypto industry practices. The bill seeks to create a “market structure” and regulatory regime for crypto platforms and crypto traders, but the bill weakens the enforcement powers of federal financial regulators, undermines state regulators’ ability…