Resources Archive

The FCC's Emergency Broadband Benefit Program

May 11, 2021

The COVID-19 pandemic has revealed a harsh reality for low-income consumers, particularly in communities of color—broadband internet is essential but unaffordable. To help families and households struggling to affordbroadband internet service, the Federal Communications Commission (FCC) launched the Emergency Broadband Benefit Program (EBB), a temporary program to address a digital divide exacerbated by the COVID-19…

Coalition Letter in Support of H.R. 2547, the “Comprehensive Debt Collection Improvement Act”

May 13, 2021

The 88 undersigned public interest, legal services, consumer, labor, and civil rights organizations write in support of HR 2547 and urge Congress to support HR 2547 when it comes up for a vote on May 13th. Enactment of H.R. 2547 will protect vulnerable consumers from abusive debt collection practices, and we thank the House of…

Coalition Letter Supporting Petition to Amend Total & Permanent Disability Regulations

June 12, 2021

On behalf of a diverse coalition of organizations that work to protect the rights of individuals with disabilities, student loan borrowers, consumers and veterans, we write to Secretary of Education Miguel Cardona to ensure that borrowers with disabilities receive the protections and relief they are entitled to under the Higher Education Act. The U.S. Department…

Group Letter to the Biden Administration Urging Quick Nomination of a 5th FCC Commissioner

June 11, 2021

The undersigned organizations write to convey the rapidly growing urgency to nominate a fifth commissioner to ensure a fully functional Federal Communications Commission. We recognize the pressing and time-consuming challenges this administration has faced since its earliest days, combating the public health and economic crises caused by a historic pandemic. We also commend the administration…

Coalition Letter to President Biden Urging Extension of the Student Loan Payment Pause

June 24, 2021

The undersigned 128 organizations representing millions of millions of students, student loan borrowers, workers, people of color, veterans, people with disabilities, people of faith, consumers, and many others, write to urge President Biden to extend the pause on student loan payments until his administration has delivered on the promises made to student loan borrowers to…

Unfair Debts With No Way Out: Consumers Share Their Experiences With Rental Debt Collectors

October 7, 2022

This report discusses common problems faced by consumers experiencing debt collection for alleged rental debts as reported to the CFPB. It concludes with suggested actions to assist consumers with alleged rental debts.

Coalition letter opposing H.R. 435, Credit Access and Inclusion Act

December 8, 2017

The undersigned associations, consumer, civil rights and advocacy groups wrote to express opposition to H.R. 435. This legislation, if enacted, would reduce consumers’ control over their own data by preempting state and federal privacy protections, damage the credit scores of millions of consumers with a disproportionate impact on African Americans, and conflict with long-standing state…

Restoring the Promise of Income-Driven Repayment: An IDR Waiver Program Proposal

January 11, 2022

By the Center for Responsible Lending, Student Borrower Protection Center, and NCLC ‘s Student Loan Borrower Assistance Even before the COVID-19 pandemic and recession, student loan borrowers struggled under the weight of more than $1.6 trillion in debt. One in four borrowers was in default or serious delinquency, and many more struggled to make student…

Disproportionately Impacted: Closing the Racial Wealth Gap through Student Loan Cancellation, Payment Reforms, and Investment in College Affordability

June 8, 2022

The Center for Law and Policy and National Consumer Law Center President Biden ran on an agenda that included student debt relief for the more than 44 million borrowers who collectively owe over $1.6 trillion. This would be in line with the Biden Administration’s racial equity goals, as it would include relief for the millions…

Comments on Amendment Four of Tennessee’s TennCare III Demonstration Application

October 6, 2022

Comments to the U.S. Department of Health and Human Services In previous comments filed on September 8, 2021, NCLC raised several concerns about aspects of the proposed TennCare III waiver, i.e., that the Tennessee Medicaid program should not waive the 90-day retroactive eligibility period for Medicaid applicants, should not be designed as a block grant,…

Group Comments on Energy Conservation Standards for Consumer Furnaces

October 6, 2022

Comments of the National Consumer Law Center, Alliance for Affordable Energy, Pennsylvania Utility Law Project, Consumer Federation of America, Southface, Massachusetts Energy Director’s Association, Green Energy Consumers Alliance, Georgia Watch, North Carolina Justice Center, Texas Legal Services Center, Consumers Council of Missouri, Wildfire, Renew Missouri and Virginia Citizens Consumer Council re: Docket EERE-2014–BT-STD-0031/RIN 1904-AD20 Energy…

Testimony of Joanna Darcus regarding “An Examination of State Efforts to Oversee the $1.5 Trillion Student Loan Servicing Market”

June 11, 2019

There has never been a more important time to focus on student loan servicing issues. The scale of the federal student loan servicing industry and the impacts of its actions are vast. Americans now owe more in student loan debt than they do for auto loans, credit cards, or any other non-mortgage debt.

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