Presentation: Utility Consumer Rights Course
Outline of a utility consumer rights training, part of the Massachusetts Law Reform Institute Basic Benefits training series.
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Utilities Advocacy for Low-Income Households in Massachusetts (2019 4th Edition)
This manual is written both as training material that NCLC distributes to trainees in connection with the basic utility rights trainings we deliver in Massachusetts, as well as a free-standing handbook for those who help clients with their utility problems but who cannot attend the training.
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Using the Homeowner Assistance Fund to Prevent Reverse Mortgage Foreclosures: What Treasury and the States Can Do
The American Rescue Plan Act of 2021 includes $9.9 billion for creation of a Homeowner Assistance Fund (HAF) to be administered by the Treasury Department. The HAF was established to mitigate financial hardships connected with the coronavirus pandemic and prevent foreclosures among homeowners who have experienced a hardship related to the pandemic. Treasury’s HAF plan…
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Urgent Steps to Protect Reverse Mortgage Borrowers During the COVID-19 Public Health Crisis
A letter in response to the issuance of Mortgagee Letter 2020-04, to ask that HUD take certainsteps to ensure the ongoing housing stability of borrowers who have taken out reverse mortgagesunder FHA’s Home Equity Conversion Mortgage (HECM) program, and their non-borrowingspouses, in light of the current COVID-19 public health emergency.
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United States Consumer Bankruptcy Law Attorney Fee Survey States Report: 2017-2018
This Bankruptcy Law Survey Report analyzes and reports on the Consumer Bankruptcy Law data drawn from the United States Consumer Law Attorney Fee Survey for 2017-2018.
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UCHealth Patients Sue Debt Collector in Denver District Court
Towards Justice, the National Consumer Law Center, and Vedra Law LLC Claim Illegal a Large- Medical Debt Collection in Colorado
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Treatment of Certain COVID-19 Related Loss Mitigation Options Under the Real Estate Settlement Procedures Act (RESPA), Regulation X; Interim Final Rule
These comments are based on the experience of our organizations and the developments advocates and housing counselors in the field have reported to us in response to the COVID-19 pandemic
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Comments regarding Exemptions Implemented Under the Telephone Consumer Protection Act of 1991
Pursuant to the Public Notice issued by the Consumer and Governmental Affairs Bureau, the National Consumer Law Center (NCLC) files these comments on behalf of its low-income clients and Consumer Federation of America, Consumer Reports, EPIC and the National Association of Consumer Advocates in response to the Commission’s proposal to adopt rules setting forth the…
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Top 10 Ways the New Borrower Defense Rule Is Worse for Borrowers
Key differences between the 2016 and 2019 Borrower Defense rules.
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The LIBOR Transition: Protecting Consumers and Investors
Testimony before the Senate Committee on Banking, Housing & Urban Affairs regarding the Libor transition and protections for consumers and investors.
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The End of LIBOR Risk & Solutions for Residential Mortgages
The LIBOR is the most widely used index for adjustable rate mortgages (ARMs). At the end of 2021 it will cease to exist or become unreliable. While mortgage contracts give noteholders the authority to replace the index, it has not been done on such a scale, and the standard contract language is problematic. The Alternative Reference Rate Committee (ARRC) has made recommendations for a new index and for the transition, but the ARRC’s recommendations are only voluntary.
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Testimony Regarding FY2021 Appropriation for the Health and Human Services' Low Income Home Energy Assistance Program (LIHEAP)
We respectfully request that the subcommittee fund LIHEAP at the full authorizedamount of $5.1 billion and note the need is likely to be greater.
