Resources Archive

NCLC Comments to the OMB Regarding Federal Financing Assistance (sweeping proposed rule that subverts statutory direction for program funding for all federal agencies)

July 13, 2026

The proposal affects over $1 trillion in annual Federal grants and cooperative agreements across 41 agencies. All of these grants would now be subject to review for conformity with the president’s political agenda, regardless of the Congressional intent in appropriating the funds or the language of the enabling statute. Despite the predictable impact on governments…

Top 10 Reasons Why Recent Trump Administration Efforts to Debank Immigrants Are a Bad Idea

July 24, 2026

This Issue Brief discusses the top ten reasons why efforts to shut immigrants out of bank accounts and access to credit is a bad idea, including:

Losing The SAVE Rule Will Hurt All Federal Student Loan Borrowers; Restoring Some Provisions Could Help

June 30, 2026

A promised negotiated rulemaking provides an important opportunity to restore important protections for people with federal student loans. Although the SAVE Plan (Saving on a Valuable Education) is ending, the Department of Education should consider restoring regulatory provisions that apply to all IDR plans that could dramatically improve repayment options for borrowers. Background In 2023,…

Testimony in Support of California AB 2122 (Ban Custodial Bench Warrants for Infractions)

June 8, 2026

Eliminating custodial bench warrants for infractions will help end an unnecessary pipeline to incarceration that makes it harder for people to pay their debt, support their families, and achieve financial stability.

Coalition Letter in Opposition to H.R. 9330 (Steil), Earned Wage Access Consumer Protection Act

June 29, 2026

NCLC is among 226 labor, consumer, civil rights, and community organizations that sent a letter opposing H.R. 9330, the misnamed Earned Wage Access Consumer Protection Act, which exempts earned wage payday loans from the Truth in Lending Act (TILA), the Military Lending Act, the Equal Credit Opportunity Act, and other federal laws. The bill preempts…

Letter to the House in Opposition to FCRA Liability Reduction and Reseller Immunity Acts

June 29, 2026

The undersigned 38 consumer and advocacy groups expressed opposition to H.R. 5775, the FCRA Liability Harmonization Act (Loudermilk) and H.R. 8141, the Fair Credit Reporting Reseller Accuracy Act (Lawler). In short: H.R. 5775, the FCRA Liability Harmonization Act, would dramatically reduce accountabilityfor credit bureaus and other companies, including when they wrongfully label innocentconsumers as bad…

Letter to the House in Opposition to the Credit Access and Inclusion Act

June 29, 2026

H.R. 5402, the Credit Access and Inclusion Act, is touted as helping consumers build credit by including rent and utility payment history, but in reality it preempts state and other federal laws that give consumers control over their personal information and harms consumers struggling to afford high utility bills or obtain affordable rental housing. The undersigned…

Comments on Proposed Income-Driven Repayment Plan Request Form for Federal Student Loans

June 15, 2026

NCLC submitted comments to the U.S. Department of Education recommending changes to its proposed new application form for federal student loan Income-Driven Repayment (IDR) plans. Our comments identify incorrect information on the form about plan eligibility requirements and recommend changes to ensure that the IDR Request Forms – and perhaps more importantly, the systems for…

Letter in Opposition to the SHARE Act

June 18, 2026

This letter opposes the SHARE Act, which would provide a complete shield from tax liability for profits from HEI loans when made to LMI borrowers and when they meet other requirements.

Coalition Letter to Federal Reserve Requesting Full Board Vote and Public Hearing on Applications of Enova and Opportunity Financial to Become Bank Holding Companies

June 22, 2026

The Board of Governors is presently reviewing the application of Enova International to acquire Grasshopper Bank and to become a bank holding company. The Board is also expected to shortly receive the announced application of Opportunity Financial (“OppFi”) to acquire BNC Bank and to become a bank holding company. In light of the unprecedented nature…

Digital Library: Home Equity "Investment" (HEI) Loans Practice Suite

May 28, 2026

Resources for advocates include free NCLC articles, links to relevant NCLC treatise material, pleadings and discovery, case documents and opinions.

Comments to HHS Regarding the LIHEAP Program Data Collection on Race, Ethnicity, and Sex

June 4, 2026

These are brief comments to HHS requesting that the agency retain the collection of data on LIHEAP recipients regarding race, ethnicity and sex and urging HHS to make the data available in its LIHEAP Data Warehouse.

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