This is a letter on behalf of the National Consumer Law Center regarding the Urban Institute’s February 2026 research report (“Report”) on “shared equity products,” commonly known as “home equity investment loans” (“HEI loans”). We urge the Urban Institute to revise the Report to retract the inaccurate legal conclusions that HEI loans are not loans…
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2024 Residential Energy Consumption Survey findings reflect a rise in home energy insecurity particularly among households of color, households in the South Census Region, and low-income households across the country. Recommendations include: implementation of enhanced bill assistance, energy efficiency, regulatory consumer protection programs and policies, along with investment in relatively low-cost renewable energy resources.
This letter supports Senator Duckworth’s amendment to S.1962 to repeal the FCC’s 2025 Order on Incarcerated People’s Communications Services. The 2025 Order misapplies the historic, bipartisan reforms contained in the Martha Wright-Reed Just and Reasonable Communications Act, which the U.S. Senate adopted unanimously in 2021 and further sets aside the unanimous bi-partisan vote by the…
NCLC and the Center for Responsible Lending submitted this brief to provide the Court with factual evidence concerning the similarities in product design, function, and consumer harms between Cleo AI, Inc.’s “Cash Advances,” often marketed as “Earned Wage Access,” and traditional payday loans. These products function as loans—app-based payday loans. Payday Loan Apps (“PLAs”) operate…
Read More about Amicus Brief: Center for Responsible Lending and NCLC, Moss v. Cleo AI, Inc.
Eliminating infraction bench warrants will help end an unnecessary pipeline to incarceration that makesit harder for people to pay their debt, support their families, and achieve financial stability.
Read More about Testimony in Support of California AB 2122 (Ban Infraction Bench Warrants)
Lenders pushing a new app-based form of payday loan claim they aren’t offering loans and they shouldn’t be covered by state or federal laws governing credit. However, to date, 14 out of 14 courts to rule on the issue have rejected industry arguments and found that wage advances offered through payday loan apps (so-called “earned…
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This written statement urges the House Financial Services Committee and Congress to:
President Trump announced that he will be nominating Oklahoma Republican Senator Markwayne Mullin to replace Secretary Noem as head of DHS. Congress should demand the following sorely needed reforms are enacted – including undoing internal processes that delayed or prevented assistance from reaching disaster survivors over the last year and a half – before considering…
Read More about Memo to Senate on FEMA Priorities for new DHS Leadership
Ohio H.B.534 weakens existing law and lacks adequate protections. Representatives should oppose it because it will hurt Ohioans.
NCLC submitted written testimony submitted to the Michigan House Committee on Regulatory Reform opposing H.B.5558 and associated bills. This proposed legislation would exempt a form of payday loan, so called “earned wage access” payday loans, from Michigan’s interest rate limits and transaction limits designed to prevent predatory lending.
Read More about Testimony in Opposition to H.B.5558 and Associated Legislation
The National Consumer Law Center (NCLC), on behalf of its low-income clients, supports the Senate’s 21st Century ROAD to Housing Act legislative package and encourages its swift passage. The Act includes provisions to make homeownership more sustainable and to address challenges with housing supply and affordability. In particular, the bill makes permanent a key assistance…
On behalf of the clients and communities we represent, wrote to strongly oppose theDepartment of Treasury system of records notice (“SORN”) published on February 4, 2026. Because it is overbroad and imprecise, the SORN represents a significant and unwarrantedinvasion of individual privacy by the federal government. This baseless violation of privacywould extend even to individuals…
Read More about Letter to Treasury Regarding the Privacy Act; System of Records Notice (SORN)