Resources Archive

How to Stop EasyPay Finance/TAB Bank Automatic Debits from Your Bank Account

May 10, 2022

You have two separate options for stopping preauthorized recurring debits from your bank account. You may want to use both. For more information, visit the website of the Consumer Financial Protection Bureau: How do I stop automatic payments from my bank account? IMPORTANT: Stopping debits from your bank account does not stop your obligation to make payments…

Consumer Groups Urge FCC to Require Telecom Providers to Stop Scam Calls

August 17, 2022

While the Commission has undertaken several efforts to mitigate scam robocalls over the last twenty years, in particular since the TRACED Act, the number of illegal robocalls, as well as estimated consumer losses from these calls, continues to grow. We urge the Commission to change the incentive structures that encourage providers to facilitate illegal call…

Comments Urging FCC to Create Incentives for Providers to Stop Transmitting Scam Calls

September 16, 2022

The Electronic Privacy Information Center (EPIC), and the National Consumer Law Center (NCLC) on behalf of its low-income clients, filed reply comments to encourage the Commission to prioritize protecting consumers from widescale, automated fraud facilitated through robocalls placed through the U.S. telephone network. Advocates urge the Commission to create meaningful incentives to all providers to…

Elements of Proving Express Invitation or Permission for Texts

December 14, 2022

A December 14, 2022 PowerPoint presentation before the FCC, presented by Margot Saunders and Carolyn Carter at the National Consumer Law Center and Chris Frascella at the Electronic Privacy Information Center (EPIC), covers the following: DNC rules apply to text messages (we are not talking about 227(b) rules) TCPA’s requirements for prior express invitation or…

Testimony to the Senate Committee on Global Warming and Climate Change Hearing on The Future of Gas

April 4, 2023

Currently, Massachusetts consumers and consumers across the country struggle with energy affordability. Nationally, over one-third of households report experiencing energy insecurity. In Massachusetts, over 200,000 low-income customers have utility bills in arrears as of December 2021. Low-income customers with utility bills that are more than 90 days past due owe an average of $1,555 in…

Letter to FEMA on the National Advisory Council

May 30, 2023

NCLC and others submitted a coalition letter to the Federal Emergency Management Agency (FEMA) advocating for the appointment of community representatives to the FEMA National Advisory Council to enhance national disaster policy.

Consumer Comments on NAIC Revision Model Private Mortgage Insurance Act

Joint comments were filed by NCLC, other consumer groups, and others on problems with the NAIC’s proposed model state law for regulating private mortgage insurance, drafted by the Center for Economic Justice

Comments to the FTC-CFPB Tenant Screening Request for Information Submitted with the Center for Survivor Agency and Justice

May 30, 2023

The National Consumer Law Center, on behalf of its low-income clients, joined the Center for Survivor Agency and Justice in submitting comments to the CFPB and FTC on tenant screening practices that specifically harm survivors of intimate partner violence.

Letter to EPA re PFAS Drinking Water Regulations

May 28, 2023

nking water rules and to ensure affordable drinking water. These comments urge EPA to reject the premise that drinking water can either be safe or affordable which is contrary to environmental justice and leads to unsafe water for disadvantaged, overburdened communities.

Comments on Tenant Screening Request for Information by FTC and CFPB

May 30, 2023

Landlords in the United States almost always engage in some form of screening for rental applicants. Each of the components of tenant screening reports is highly problematic and also creates a disparate impact on Black and Latino renters. The manner in which the components are combined to generate scores or recommendations, and then used by landlords, is also harmful to renters.

Group Comments to the CFPB Concerning 12 CFR Part 1026, Docket No. CFPB-2016-0013

April 25, 2016

Americans for Financial Reform, Empire Justice Center, National Association of Consumer Advocates, and National Consumer Law Center, on behalf of its low income clients, submitted comments to the Consumer Financial Protection Bureau regarding Truth in Lending Act – Regulation Z, Rural Mortgage Lending Exceptions for Small Creditors. The interim one-rural-mortgage threshold for exempting small-lenders from…

Amicus Brief in Tyler v. Hennepin

March 6, 2023

NCLC joined an amicus brief prepared by AARP in support of the petitioner’s efforts to reverse a decision of the 8th Cir. Court of Appeals affirming a Minnesota law that provides that excess revenues collected through a real estate tax taking revert to the public use rather than being paid to the property owner. Other…

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