Resources Archive

An Investigation of Debt Settlement Companies: An Unsettling Business for Consumers

March 9, 2005

Many states as well as the National Conference of Commissions on Uniform State Laws (NCCUSL) have attempted to regulate debt settlement through laws that mainly target debt management practices. In fact, debt management and debt settlement are very different businesses. By including debt settlement in laws that focus on debt management, policymakers are helping to…

Reply Comments to the FCC Regarding Unwanted and Illegal Text Messages

December 9, 2022

The National Consumer Law Center (NCLC) and the Electronic Privacy Information Center (EPIC), along with sixteen other national and state consumer and privacy groups representing a broad swath of individual telephone subscribers across the United States, urge the Federal Communications Commission (FCC) to stand firm against requests to force cell phone carriers to allow unwanted…

Coalition Letter to U.S. Senate Committee on Agriculture Regarding Investor Choice and Digital Commodities Legislation

December 9, 2022

As organizations that share a commitment to investor choice, we write to express strong concern that the Digital Commodities Consumer Protection Act (S. 4760), as currently drafted, does not contemplate any safeguards with respect to injured investors’ ability to hold digital commodity issuers, brokers, and affiliated entities, accountable for misconduct. Decades of experience with the…

Group Long Comments to CFPB on its Proposed Debt Collection Rule

September 18, 2019

The National Consumer Law Center (on behalf of its low income clients), Americans for Financial Reform Education Fund, Consumer Federation of America, National Association of Consumer Advocates, U.S. PIRG, and Woodstock Institute submit these comments on the Consumer Financial Protection Bureau‘s (CFPB or Bureau) proposed debt collection rule. We are terribly disappointed with the proposed…

New Illinois Metric Is a Model for Reducing Utility Disconnections in Under-Resourced Communities

December 8, 2022

Two recent decisions by the Illinois Commerce Commission (ICC) provide consumer advocates with a new and innovative approach to address affordability and help customers who struggle each month to afford, and remain connected to, essential utility service.

NCLC's Comments to HUD regarding Small Dollar Lending

December 5, 2022

The National Consumer Law Center submitted comments to the U.S. Department of Housing and Urban Development (HUD) regarding the lack of availability of small-dollar mortgages for consumers seeking funding to purchase or repair lower priced homes. The scarcity of these types of mortgages had a disparate impact on consumers of color who were forced to…

Coalition Letter to the CDFI Fund Regarding Changes to the Certification Application

December 5, 2022

Coalition letter to the Community Development Financial Institutions Fund re: Proposed CDFI Program–Certification Application and Annual Reporting.

Coalition Comments to the FHFA on the 2022 DTS Plan Modifications

December 5, 2022

Underserved Mortgage Market Coalition comments to the FHFA re: Input on Fannie Mae and Freddie Mac 2022 Duty to Serve Plan Modifications.

Group Comments to the CDFI Fund Regarding Changes to the Certification Application

December 5, 2022

Coalition comments to the Community Development Financial Institutions Fund re: Proposed CDFI Program–Certification Application and Annual Reporting.

Letter to the VA Advocating for the Expansion of a Foreclosure Alternative Program

December 1, 2022

Letter to the VA re: Veterans Affairs Loan Refund Program.

Antidiscrimination Advocacy Letter to the U.S. Chamber & Bank Associations

December 1, 2022

Group Letter calling on the U.S. Chamber and bank associations to drop their lawsuit against Rohit Chopra and the CFPB.

Letter to the Fed. Joint Office of Energy & Transportation Regarding the NEVI Community Grant Program

November 28, 2022

Group letter urging the federal Joint Office of Energy & Transportation to use IIJA EV charging funds to promote equity and affordability for low-income consumers.

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