Resources Archive

Coalition Letter to COPRAC Regarding Draft Formal Opinion No. 19-0003

March 3, 2023

As organizations that advocate for workers and consumers, California Employment Lawyers Association, Economic Security Project Action, National Consumer Law Center, National Employment Law Project, Open Markets Institute, People’s Parity Project, Public Good Law Center, Public Justice, Student Borrower Protection Center, and Towards Justice write to urge the State Bar Standing Committee on Professional Responsibility and…

Comments on the Department of Energy's RFI on Inflation Reduction Act home electrification and home efficiency rebate programs

March 3, 2023

NCLC has recommended several best practices to DOE in our Jan. 18, 2023 letter with the Center for American Progress and the Alliance for a Clean Energy Economy. In addition, we recommend the following best practices: a) Ensure states have the flexibility to administer the rebate funds through existing networks and programs to avoid duplication…

Earned Wage Advances and Other Fintech Payday Loans: Workers Shouldn’t Pay to be Paid

April 20, 2023

Earned wage advances (EWA) are a form of payday loan. Fees appear small but can pile up in hidden ways and drain low wages. “Tip”-based fintech payday loans with no connection to wages can be even more expensive, 498% APR or higher, and can trigger overdraft and nonsufficient fund fees. Neither employer-based EWAs nor other…

Earnin "Tip" Screenshot

January 20, 2023

The Earnin app puts in an $11 default “tip” on a $100, 11-day advance. The app discloses “0% APR,” but with a likely $4 expedite fee included, the cost is the equivalent of 498% APR.

Frequency of Use of Earned Wage Advances

March 2, 2020

Petition for Rulemaking at CFPB Regarding Debt Collector Furnishing, Language Access, Credit Reporting Ombudsperson Office

March 3, 2023

Petition for rulemaking asking the CFPB to address the following issues as part of an upcoming Fair Credit Reporting Act rulemaking: strict requirements for debt collectors in furnishing information to credit reports; translation of credit reports for limited English proficient consumers and; creating an Ombuds office for credit reporting.

Comments on the NCCUSL Uniform Debt-Management Service Act

March 1, 2006

The National Consumer Law Center, on behalf of its low-income consumer clients, and Consumer Federation of America oppose the NCCUSL Uniform Debt Management Services Act unless provisions regulating debt settlement services are removed or dramatically amended. Our key concerns are: The Act regulates debt settlement as a valid type of debt management service. We believe…

Comments on the proposed revisions to the Uniform Debt-Management Services Act (UDMSA)

March 18, 2011

The comments were submitted in response to the National Conference of Commissioners on Uniform State Laws’ recent request for comments on the proposed revisions to the Uniform Debt-Management Services Act (UDMSA). NCLC remains deeply concerned that the UDMSA does not adequately protect consumers from abusive debt settlement and debt management practices. We previously explained our…

Coalition Letter Opposing H.R. 1165, the Data Privacy Act of 2023

February 27, 2023

The undersigned organizations express opposition to H.R. 1165, The Data Privacy Act of 2023, scheduled for mark-up in Committee this Tuesday, February 28.

Report: Low Income Weatherization

November 29, 2012

Stimulus-Funded Program Shines but Storm Clouds are on the Horizon In 2009, as part of the Stimulus bill passed in response to the Great Recession, the U.S. government appropriated $5 billion for the federal Weatherization Assistance Program (WAP) to weatherize low-income homes in 50 states over 3 years. States delivered energy improvements to 775,000 homes…

Reply Comments to DentalPlans Petition Explaining Application of Federal E-Sign Act to TCPA Robocall Regulations

February 27, 2023

These Reply Comments, filed by the National Consumer Law Center on behalf of its low-income clients, supplement the Comments filed on February 10, 2023, in this docket. Sections IV(A) and (B) of our primary comments explain our position that DentalPlans.com (DentalPlans) has not shown that consumers provided prior express written consent as required for prerecorded…

Chi Chi Wu's Testimony in Support of Excluding Medical Debt Information from Consumer Reports (Colorado)

February 22, 2023

The bill HB23-1126 would prohibit the reporting of medical debt information by consumer reporting agencies (CRAs). It would also inform consumers about their rights by requiring debt collectors to notify consumers with medical debt that such debt can no longer be included on credit reports, with narrow exceptions. Medical debt information in consumer reports (also…

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