These are comments from the Leadership Conference on Civil and Human Rights, Media/Telecommunications Task Force to the bicameral Universal Service Fund (USF) Working Group. The comments highlight the importance of the USF programs to address the digital divide that poses a barrier to modern-day opportunities, particularly for those with very limited incomes, who live in…
These are comments in support of the continuation of an energy bill credit for seniors and residents with disabilities who are above the low-income utility assistance eligibility cut-off, but still need utility bill assistance. The DC PSC had automatically enrolled seniors and residents with disabilities that were receiving tax relief under another city program into…
NCLC signed on to comments to the Maryland PSC proceeding regarding lessons learned from Baltimore Gas and Electric’s multi-year rate plan (MRP) pilot. Maryland PIRG prepared the comments. The groups urge the commission to end the pilot as MRP has resulted in weaker oversight of utility spending and increased energy bills. Since the MD PSC…
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These are comments of the National Consumer Law Center (on behalf of its low-income clients) and the Consumer Federation of America in response to the CFPB’s advance notice of proposed rulemaking on whether to raise the threshold for defining larger participants in the consumer reporting market from $7 million in receipts from consumer reports to…
The National Consumer Law Center (on behalf of its low-income clients) and Consumer Federation of America appreciate the opportunity to submit these comments on the Consumer Financial Protection Bureau’s (CFPB) advance notice of proposed rulemaking (ANPR) on whether to propose a rule to amend the test to define larger nonbank participants in the consumer debt…
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This comment on the Department of Education’s proposed rule to change the terms of the Public Service Loan Forgiveness program (PSLF) is from 70+ legal services organizations that work on behalf of low-income people. The Higher Education Act defines qualifying public service jobs for PSLF as work for nonprofit 501(c)(3) employers and work for “public…
Fraud continues to pose a threat to U.S. households, businesses, financial institutions, and the economy as a whole. Consumers are plagued by problems with unauthorized transactions as well as fraudulently induced payments involving peer-to-peer payment applications, crypto-assets, bank-to-bank wire transfers, check alterations and forgeries, and Electronic Benefits Transfer (EBT) card skimming. The increasing ease and…
Patricia Gout, on behalf of herself and all others similarly situated v. Unison Agreement Corp., Unison Investment Management, LLC, and Real Estate Equity Exchange, Inc., CGC-25-629062 (Cal. Super. Ct.) This class action complaint seeks relief for California borrowers against predatory mortgage lender Unison Agreement Corp. and its affiliates. The case asserts that the defendants dupe…
NCLC signed on to a letter supporting the Forced Arbitration Injustice Repeal (FAIR) Act, which restores consumers’ day in court. The Act would give workers, consumers, servicemembers, ordinary investors, small businesses, and others the freedom to seek accountability in court when they are harmed.
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NCLC joined several other organizations in filing a reply brief to the Federal Communications Commission. In July, we had filed an Application for Review asking the agency not to delay for 2 years the implementation of regulations that set price caps on phone and video communications for incarcerated folks to make them more affordable. These…
NCLC submitted comments to the Office of the Comptroller of the Currency, Federal Reserve Board and Federal Deposit Insurance Corp. in response their request for information on actions to address payment fraud.
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NCLC submitted comments to the New York Department of Financial Services in response to its request for information on buy now, pay later products. The comments address issues that DFS should consider when writing regulations in order to protect consumers. The BNPL Act gives DFS broad authority to promulgate rules consistent with the purposes of…
Read More about Buy Now Pay Later Comments to NY Dept of Financial Services