Resources Archive

Coalition Letter to U.S. Department of Education Regarding its Examination of Bundled Services and an Incentive Compensation Loophole

March 16, 2023

The undersigned student, consumer, and borrower advocacy groups write in response to the Education Department’s examination of bundled services (Docket ID ED–2023–OPE–0030) and an incentive compensation loophole we believe has had significant negative consequences for students and our system of higher education. We have long supported the strong statutory ban on incentive-based student enrollment compensation,…

Comments to HUD in Response to Proposed Rule Entitled Strengthening the Section 184 Indian Home Loan Guarantee Program

March 17, 2023

NCLC submitted comments to support HUD’s decision to promulgate regulations that establish the necessary framework for a successful default servicing program and that supplement the guidance established by the RESPA.

Testimony on Vermont H.87 Regarding Earned Wage Access Service Providers

March 13, 2023

Letter to the VT House Committee on Commerce and Economic Development re: H 87 An act relating to earned wage access service providers

Coalition Comments to FDIC Regarding Community Reinvestment Act Examination of Rent-a-Bank FinWise Bank

March 14, 2023

Accountable.US, Americans for Financial Reform, Center for Responsible Lending, Consumer Action, Consumer Federation of America, National Consumer Law Center (on behalf of its low-income clients), National Community Reinvestment Coalition, Public Citizen, US PIRG and the Woodstock Institute submitted comments in connection with the Community Reinvestment Act (CRA) examination of FinWise Bank. FinWise Bank helps several…

Debt Collection Fairness Act 2025

March 17, 2025

SUPPORT Immediate Passage of H.D.2405/S.D.1209, An Act relative to fairness in debt collection

Why We Need the Fair Chance in Housing Act (FCHA) to Keep Credit Reports Out of Housing Decisions Now

March 15, 2023

An Act Relative to the Use of Credit Reporting in Housing H.1308/S.877 , the Fair Chance in Housing Act Senator Gomez , Representatives Cruz & Garcia Restricting the use of credit reports in housing decisions will reduce barriers to housing for the low-income and people of color most impacted by the COVID crisis and help…

Why We Need the FCEA to Keep Credit Reports Out of Hiring Decisions Now

March 15, 2023

An Act reducing barriers to employment through credit discrimination H.1434/S.1114, the Fair Chance in Employment Act (FCEA) Senator Barrett, Representative Cutler. Massachusetts has led the way in this area by being one of three states (CA, HI, MA) banning the use of credit scores in auto insurance decisions or pricing. This act will continue our…

Comments to the Bureau of Prisons' on its Proposed Rule Regarding the Inmate Financial Responsibility Program

March 13, 2023

The National Consumer Law Center (on behalf of its low-income clients), the Prison Policy Initiative, and Stephen Raher respectfully submitted comments in response to the Bureau of Prisons’ Proposed Rule regarding the Inmate Financial Responsibility Program, RIN 1120-AB-78, BOP-1178 We strongly oppose several of the proposed changes to the regulations on policy and legal grounds.

Too Damn High: How Junk Fees Add to Skyrocketing Rents

March 13, 2023

Junk fees jeopardize access to future housing and financial stability by contributing to rental debt that leads to negative marks on credit reports.

Letter urging Government Sponsored Enterprises (GSEs) and the Federal Housing Finance Agency (FHFA) to reform their note sale programs to ensure that borrowers avoid unnecessary foreclosure

March 10, 2023

The GSEs have sold around 700,000 loans in non-performing loan (NPL) and reperforming loan (RPL) pools since 2015. During the height of the COVID pandemic, Fannie Mae sold off 99,100 reperforming loans, the highest total for any year. When their loans are sold, the homeowners lose access to streamlined foreclosure alternatives created to help homeowners…

Written Testimony on Crypto-Assets

March 8, 2023

The National Consumer Law Center, on behalf of its low-income clients, submitted a statement for the record on crypto-assets for consideration in the above hearing. We see little to no legitimate consumer-facing use for crypto-assets and few, if any, potential benefits that are not heavily outweighed by the high degree of risk, harm, and evasion…

Consumer Protection and Court-Sponsored Online Dispute Resolution in Collection Lawsuits

September 1, 2023

This issue brief considers what court-sponsored online dispute resolution (ODR) means for consumers who are sued in debt collection lawsuits by creditors collecting consumer debts and ways that courts may guard against potential problems. Court-sponsored ODR offers a way to resolve court cases online without ever setting foot in court. While ODR has been used…

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