As HUD and USDA review their recently published Final Determination from April 25, 2024, adopting the 2021 IECC and ASHRAE 90.1-2019 energy codes as minimum requirements for programs covered under the Energy Independence and Security Act of 2007 (EISA), we write to express support for the Determination and to urge the agencies to retain this…
NCLC met with legal counsel for FCC Chairman Carr to urge the Commission to maintain strong rules allowing consumers to revoke consent to receive robocalls.
Read More about NCLC Ex Parte Letter on TCPA Consent Revocation Rules
NCLC joined various consumer organizations in a letter opposing the application by Circle Internet Group, Inc. (“Circle”) for a national trust bank charter under the name First National Digital Currency Bank, N.A. (“FNDCB”). Circle is a stablecoin issuer seeking to obtain a national bank charter. Granting a national trust bank charter to any stablecoin issuer…
NCLC joined an Application for Review submitted to the Federal Communications Commission seeking the Commission’s review of the Wireline Competition Bureau’s sua sponte decision to suspend the 2024 IPCS Order by delaying for nearly two years the reforms the Commission adopted on a unanimous, bipartisan basis to ensure—pursuant to a bipartisan mandate from Congress—that rates…
This testimony is in support of Massachusetts legislation to create a state-funded summer cooling program, to help low-income utility consumers pay their home energy and home cooling bills during extreme heat and hot summer months.
This comment raises significant issues with USDA’s proposal to outsource servicing of USDA Direct Loans.
Read More about NCLC and NHLP Comment on USDA Direct Loan RFI
NCLC advocates provided information about scam calls and text messages to congressional investigators for the Joint Economic Committee. The letter addressed the causes behind the proliferation of scam calls and texts, their economic impact on subscribers, and what can be done to stop them.
Read More about Letter to Congressional Joint Economic Committee About Scam Calls
When America set out to replace welfare with work, it was generally recognized that the transportation needs of new workers would have to be met in order for this reform policy to succeed. Four years after the full implementation of welfare reform, the lack of an adequate transportation solution has emerged as one of the…
Read More about Driving Out of Poverty in Private Automobiles
While the market for auto lending at first appears to be highly competitive, manyconsumers lack the ability to obtain accurate information about price. In many markets,uninformed consumers can “free ride” off the knowledge of informed consumers. However, the market for auto lending differs from traditional markets because priceultimately depends upon both the credit worthiness of…
An inheritance is an important family legacy that can provide a safety net for future generations. For working families struggling to keep up with rising living costs, the transfer of a family home or other inheritance can provide newfound economic security. In particular, the anticipated wealth transfer from the Baby Boomer generation to their heirs…
This comment pushes back against the proposal by the Consumer Financial Protection Bureau (CFPB) to limit the permissible uses of the Consumer Financial Civil Penalty Fund. The proposed rule may signal a plan to stop compensating victims of companies that violate the law and then say they have no money to repay, and perpetuates a…
Read More about Coalition Comment on the CFPB's Proposed Rule Amending the Civil Penalty Fund Rule
NCLC supports Rep. Correa’s Student Loan Bankruptcy Improvement Act, which would give a meaningful opportunity for financially distressed Americans to discharge student loan debts in bankruptcy by changing the standard used by courts in handling requests for discharge.
Read More about NCLC Supports Rep. Correa's Student Loan Bankruptcy Improvement Act.