Resources Archive

Comments to Federal Reserve Regarding Collection of Checks, Funds Transfers Through Fedwire

September 9, 2021

The National Consumer Law Center (NCLC) (on behalf of its low-income clients), the National Community Reinvestment Coalition (NCRC) and the National Consumers League (NCL) submitted comments to the Federal Reserve Board (FRB) on its proposed rules for implementing the FedNow faster payment system. The groups expressed significant concerns that FedNow, under the proposed Regulation J…

Your Credit Card Rights

August 9, 2016

Most credit card consumers experience problems with credit card bills at some point in their lives. A merchant might bill them twice for the same item or bill them for more than the agreed-to amount. Mail-order merchandise might never arrive, but a charge will appear on the consumer’s credit card bill. Thieves might use the…

Protections for Debit Card and Electronic Transactions

December 15, 2014

Debit cards and electronic payments are convenient ways to pay for purchases or bills, but sometimes there can be errors or even theft. The bank might mistakenly process a charge for the wrong amount. Thieves might use your debit card number to buy a big-ticket item, such as a TV or computer. Fortunately, a federal…

Report: How GSE Note Sales Undermine Homeownership

January 30, 2023

A Call for Reform By: Andrea Bopp Stark, Alys Cohen, Steve Sharpe, Geoff Walsh Congress has charged the housing giants Fannie Mae and Freddie Mac (the government-sponsored enterprises or GSEs) with the goals of supporting and expanding homeownership. Yet, during the COVID-19 pandemic, the Federal Housing Finance Agency (FHFA), Fannie and Freddie have undercut—and continue…

Comments to the CFPB's Outline of Proposals to Implement Section 1033, Consumer Access to Financial Records, Small Biz Review

January 25, 2023

The National Consumer Law Center (on behalf of its low-income clients) (NCLC) and U.S. PIRG submit comments in response to the Consumer Financial Protection Bureau (CFPB)’s Outline of Proposals and Alternatives Under Consideration to Implement Section 1033 of the DoddFrank Act, issued pursuant to Small Business Regulatory Enforcement Fairness Act (SBREFA) on October 27, 2022.…

Joint Memo: Recommendation to Prohibit Offset of Refundable Tax Credits that Support Low-Income Workers and Families

February 10, 2022

The Earned Income Tax Credit (EITC) and the Child Tax Credit (CTC) are poised to lift record numbers of children and low-income workers out of poverty and to put money in the pockets of families unable to afford sufficient food or rent. But unless Congress acts, payments intended for millions of workers and children will…

Policy Guide: Protecting Fundamental Freedoms in Communities

January 15, 2015

This guide is a resource for anyone interested in safeguarding the rights of homeowners in manufactured home communities through state policy.

Policy Brief: Titling Homes as Real Property

October 14, 2015

OVERVIEW For more than 17 million people in the US, their pathway to homeownership was through manufactured housing. Modern manufactured homes are a high-quality and affordable option, particularly for low- and moderate-income families, and provide an entryway into asset and wealth building that promotes long-term economic opportunity and financial security. A major hurdle that prevents…

Report: Best Practices for Sustainable Commercial EV Rates and PURPA 111(d) Implementation

December 14, 2022

Authors: Nancy Ryan, Partner, eMobility Advisors; Alissa Burger, Regional Policy Director, CALSTART; Jenifer Bosco & John Howat National Consumer Law Center; Miles Muller, Natural Resources Defense Council The report, Best Practices for Sustainable Commercial EV Rates and PURPA 111(d) Implementation, summarizes commercial EV rate design solutions put forth so far by utilities across the country and…

Testimony of Chi Chi Wu before the Massachusetts Legislature in Support of H2019/S1153: the Fair Chance in Employment Act

June 29, 2021

These bills protect workers from an unfair and harmful practice that threatens their ability to re-enter or remain in the workforce as they struggle back to normal in the wake of the COVID crisis–namely using credit reports to deny workers jobs or promotions, or even terminate them. The use of credit reports in employment decisions…

Comments to CFPB whether TILA preempts state business lending laws

January 20, 2023

Americans for Financial Reform Education Fund, Better Markets, California Reinvestment Coalition, Center for Responsible Lending, Community Service Society of New York, Consumer Reports, Empire Justice Center, Main Street Alliance, National Association of Consumer Advocates, National Consumer Law Center (on behalf of its low income clients), New Economy Project, Public Citizen, Small Business Majority, U.S. PIRG,…

Testimony regarding “Examining Rental Purchase Agreements and the Potential Role for Federal Regulation”

July 26, 2011

This testimony was written and presented by Margot Freeman Saunders on behalf of NCLC’s low income clients and Consumer Federation of America Consumers Union U.S. Public Interest Research Group. *** On behalf of the millions of low and moderate income consumers that these groups collectively represent, we urge you to unequivocally reject H.R. 1588. The…

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