Resources Archive

Legal Aid Organizations’ Comments in Response to Proposed Borrower Defense to Loan Repayment Universal Forms

April 3, 2023

As organizations that represent low-income student loan borrowers, the undersigned organizations comment on the Department of Education’s proposed borrower defense to loan repayment application form. The organizations assist low-income student loan borrowers, many of whom were harmed by unscrupulous schools that engaged in predatory conduct to make a profit off of our clients’ federal student…

Comments to the CFPB Regarding Registry of Supervised Nonbanks That Use Form Contracts to Impose Terms and Conditions That Seek to Waive or Limit Consumer Legal Protections

April 3, 2023

The undersigned organizations support and applaud the Consumer Financial Protection Bureau’s (CFPB) proposed rulemaking to increase transparency in financial services, to the great benefit of American consumers. This rule would create a registry system for nonbank financial firms, requiring them to publicly report terms and conditions, such as forced arbitration, that have been commonly weaponized…

Retail "Choice" in Electricity Markets: A Bad Deal for Consumers and the Climate

March 30, 2023

Deceptive marketing, overpriced contracts, and greenwashing harm consumers in states with retail electric supply markets

Amicus Brief from Public Citizen, NCLC, and NACA in Support of Respondent in LAC Du Flambeau v. Coughlin Supreme Court Case

March 30, 2023

NCLC and NACA joined an amicus brief prepared by Public Citizen in the Supreme Court case of Lac Du Flambeau v. Coughlin. The issue presented by the case is whether the Bankruptcy Code can abrogate the sovereign immunity of Native American tribes.

Joint Consumer Groups Comments to the Federal Trade Commission on Guides for the Use of Environmental Marketing Claims

February 21, 2023

These comments are submitted by the following non-profit organizations, which advocate for the interests of low-income energy and utility consumers: The National Consumer Law Center, Public Citizen, the Maryland Energy Advocates Coalition, and the Pennsylvania Utility Law Project. These comments propose changes in several areas of the Green Guides, 16 C.F.R. part 260, which relate…

Comments on the USDA Rural Housing Service's Proposed Rule Regarding Mortgage Recovery Advances

March 28, 2023

On behalf of our low-income clients, the National Consumer Law Center, Center for Responsible Lending, and National Housing Law Project submitted comments on the Rural Housing Service’s (RHS) proposed rule regarding Mortgage Recovery Advances (MRA). The advocates support RHS’s use of MRA to help borrowers reinstate past due mortgage amounts and to defer principal to…

Coalition Comments to FDIC Regarding Community Reinvestment Act Examination of First Electronic Bank

March 21, 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 for the Community Reinvestment Act (CRA) examination of First Electronic Bank. First Electronic Bank helps…

Comments to the CFPB on Proposed Rule on Payday, Vehicle Title, and Certain High-Cost Installment Loans

October 7, 2016

Joint comments were submitted by the Center for Responsible Lending, Consumer Federation of America and National Consumer Law Center.

Letter Supporting California's SB 278

March 22, 2023

NCLC writes in support of Senate Bill 278 (Dodd), which will be heard before the committee shortly. SB 278 will clarify the law and ensure that elderly victims of financial scams can hold negligent banks accountable for assisting in the financial exploitation of older Californians.

Letter Supporting California's AB 1119

March 16, 2023

NCLC and CLICC are proud sponsors of AB 1119 (Wicks), a bill to ensure that no one is imprisoned because they owe consumer debt. While debtors' prisons are banned in every state by constitution, statute, or judicial decision, in reality they live on because a court may issue an arrest warrant for someone who did not make it to court in a debt collection matter.

Pushed into Poverty: How Student Loan Collections Threaten the Financial Security of Older Americans

May 9, 2017

Student loan debt is threatening the financial security of an increasing number of older Americans. According to the Consumer Financial Protection Bureau (CFPB), the number of consumers age 60 and older with student loan debt has quadrupled over the last decade. Tragically, a large portion of older student loan borrowers struggle to afford basic needs.…

Testimony Supporting California's AB 1186, The REPAIR Act, on Youth Restitution

March 23, 2023

NCLC supports AB 1186, the REPAIR Act. The bill would provide crime survivors with more equitable, timely, and stable compensation, while ensuring young people and their families are not locked into unaffordable debt and poverty. It would do so by establishing a public compensation fund through which crime survivors can address immediate needs for compensation, and by ensuring that accountability and rehabilitation is addressed in youth-appropriate ways—such as participating in restorative justice practices, community service, or personal development programs.

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