Resources Archive

Group Comments on CFPB Taskforce on Federal Consumer Financial Law

June 1, 2020

The 27 undersigned consumer, community, and civil rights groups write in response to the request for information from Taskforce on Federal Consumer Financial Law (Taskforce). We view this Taskforce as illegitimate, one-sided, and highly inappropriate during a pandemic. The Taskforce consists solely of five outside conservative academics and industry lawyers, including those who have represented…

Testimony of NCLC Attorney John Rao at the U.S. House Judiciary Subcommittee Hearing on “Oversight of Bankruptcy Law and Legislative Proposals”

July 25, 2019

This testimony’s focus is on the discharge of student loans in bankruptcy

NCLC Comments to the Advisory Committee on Bankruptcy Rules Concerning Proposed Changes to the Mortgage Claim Rule

February 15, 2022

The National Consumer Law Center,1 on behalf of its low-income clients, submits these comments to the proposed amendments to Bankruptcy Rule 3002.1 and new Official Forms.

Sentenced to a Life of Debt: It Is Time for a Reassessment of How Bankruptcy Law Intersects with Fines and Fees to Keep People in Debt

February 16, 2022

Over the past several decades, bankruptcy gave tens of millions of Americans a fresh start free from crushing debt. Although criminal justice debt weighs disproportionately upon those with the least ability to pay, it has generally been excluded from bankruptcy’s fresh start. This exclusion has been grounded on the belief that allowing discharge of monetary…

New Protections for Government Benefit Prepaid Cards

March 19, 2019

Effective April 1, 2019, a new Prepaid Accounts Rule issued by the Consumer FinancialProtection Bureau (CFPB) gives certain government benefit accounts new protections. Therule amends and enhances the protection that many government benefit accounts already haveunder the Electronic Fund Transfer Act (EFTA) and Regulation E.

State Fact Sheets: Forced Arbitration Harms Consumers, Servicemembers, and Veterans

February 4, 2021

Forced arbitration clauses take away constitutional rights to a day in court when companies break the law. Instead of a judge, a private arbitrator, often chosen and paid by the company, decides cases in a secretive proceeding with no appeal. Below, we break down how each state is impacted by this harmful practice. Alabama Alaska…

Forced Arbitration: Harming Minnesota Consumers, Servicemembers, and Veterans

February 5, 2021

Forced arbitration clauses take away Minnesotans’ constitutional right to a day in court when companies break the law. Instead of a judge, a private arbitrator, often chosen and paid by the company, decides cases in a secretive proceeding with no appeal. Forced arbitration clauses often prevent people from joining together in class actions to fight…

Practice Implications of June 25 Supreme Court Ramirez Decision

June 30, 2021

On June 25, 2021, the Supreme Court issued its anxiously awaited decision in TransUnion L.L.C. v. Ramirez. The 5-4 decision follows up on the Court’s 2016 decision in Spokeo, Inc. v. Robins, which, like Ramirez, also addressed whether the injury a consumer suffered due to an inaccurate credit report met the concreteness requirement for Article…

Group Letter to the FTC Addressing Auto Sale Add-ons, Price and Financing Disclosures, Yo-yo sales, and More

September 12, 2022

Letter to Federal Trade Commission re: Motor Vehicle Dealers Trade Regulation Notice of Proposed Rulemaking- FTC-2022-0046-0001, Federal Register No. 2022-14214.

Comments to the FTC Addressing Auto Sale Add-ons, Price and Financing Disclosures, Yo-Yo sales, and More

September 12, 2022

Access to a safe, affordable vehicle is increasingly limited for many consumers by sharply rising prices, burdensome accompanying debt obligations, and problematic dealer practices.

Model State Law on Mortgage Servicing

January 10, 2011

An outline

Survey of State Foreclosure Laws

Foreclosure report by state.

All Resources