Under normal circumstances broadband is the lifeline to economic opportunities, social engagement, and democratic participation in modern society. During the COVID-19 pandemic, broadband is essential to protect the health and well-being of members of a household and the public as well as key to a families’ economic survival. Tragically, the racial disparities in broadband access…
Read More about Broadband Service is a Racial Equity Priority
The unprecedented coronavirus pandemic has brought illness, death, unemployment, and greater economic insecurity to Americans across the country. Communities of color, particularly Black and Latinx communities, have been especially hard hit by COVID-19, with higher rates of illness, death, and unemployment due to COVID-19 than majority white communities. Pre-existing inequalities are being exacerbated by the…
Wage garnishment for consumer debts may occur after a creditor goes to court and wins a judgmentagainst a consumer. A judgment is a court decision that the consumer owes a specific sum, allowing acreditor to take steps to seize a portion of the consumer’s wages to pay the judgment.
In 2018, more than a quarter of all Californians had a debt in collection.1 The increases in unemployment claims and general job loss due to COVID-19 will without question result in an explosion of debts in collection that will disproportionately impact the most vulnerable consumers who are least able to weather a financial crisis and…
Read More about Stabilizing Consumer Finances During and After the Coronavirus Crisis in California
The Consumer Financial Protection Bureau (CFPB)’s supplemental debt collection rulemaking proposes disclosures for consumers when debt collectors attempt to collect after the statute of limitations (the deadline to sue) has expired. These accounts are called time-barred debts. This document summarizes the proposed disclosures, outlines significant concerns, provides recommendations, and explains how to file comments.
Read More about Time-Barred Debt Disclosures in CFPB's Supplemental Rulemaking Fall Short
Statement for the Record of National Consumer Law Center (on behalf of its low-income clients)for hearing on Examining Overdraft Fees and Their Effects on Working Families before theSubcommittee on Financial Institutions and Consumer Protection of the Senate Committee on Banking, Housing and Urban Affairs
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