Legislation Archives

Joint NCLC-AFSA Letter Opposing Oregon Bill to Weaken Consumer Protections (HB 4141)

February 6, 2026

The National Consumer Law Center and the American Financial Services Association do notagree on everything, but we agree on this: HB 4141 should not pass as written. Many companiesoffering debt resolution services do more harm than good, and HB 4141 would enable rapidproliferation of these kinds of companies and their services in Oregon, displacing legitimate…

Model Debt Collection Reform Act

January 1, 2013

This model law, the Model Consumer Debt Collection Reform Act, is intended to protect consumers from the most common abuses in the credit and collections industries, restoring balance to an increasingly lopsided system of justice. It is intended to ensure that consumers receive basic protections as creditors pursue collection lawsuits against them. The…

Letter Supporting Close the Shadow Banking Loophole Act

January 29, 2026

NCLC joined banking and consumer organizations in thanking Senators Kennedy and Kim for introducing the Close the Shadow Banking Loophole Act, which would close the industrial loan company (ILC) loophole in current law. In light of recent approvals by the FDIC of ILC applications for Ford Motor Company and General Motors Company, as well as…

Testimony Supporting Oregon HB 4116 Opting Out of DIDMCA

February 3, 2026

NCLC submittted testimony supporting Oregon HB 4116, which will prevent evasions of Oregon’s interest rate limits by opting the state out of a federal law that allows out-of-state, state-chartered banks to charge high rates not allowed in Oregon. The bill will prevent predatory “rent-a-bank” lenders that charge annual percentage rates (APRs) of 200% and higher…

Written Testimony in Support of Maryland Earned Wage Revisions

January 29, 2026

A new breed of payday loans, so-called earned wage access products, exacerbate affordability problems by taking hundreds of dollars per year from low-wage workers. This written testimony from NCLC supports a Maryland bill that will prevent manipulations that increase fees and make workers pay to be paid. NCLC’s testimony also suggests several amendments to the…

Testimony to the Council of the District of Columbia Committee on Health B26-0438 Medical Debt Mitigation Amendment Act of 2025 Position: Support

December 10, 2025

The Medical Debt Mitigation Amendment Act of 2025, B26-0438, will reduce the burden of medical debt for families in the District of Columbia. B26-0438 expands access to hospital financial assistance for low-income families, limits credit reporting of medical debt, establishes protections against wage garnishment and home liens, and caps interest rates to 3% on medical…

Letter Opposing S.2750 (Cruz), Strengthening Artificial Intelligence Normalization and Diffusion by Oversight and eXperimentation (SANDBOX) Act

December 9, 2025

NCLC joined a letter opposing S.2750 (Cruz), Strengthening Artificial Intelligence Normalization and Diffusion by Oversight and eXperimentation (SANDBOX) Act, which would authorize the Office of Science and Technology Policy (OSTP) to grant companies waivers of federal law up to a decade to experiment with artificial intelligence products or services.

Letter Opposing Adding Preemption of AI Laws to NDAA

November 19, 2025

NCLC joined a letter opposing adding a provision to the National Defense Authorization Act (NDAA) that would preempt state laws on artificial intelligence (AI).

Letter Supporting S.3210 (Warren) / H.R.6145 (Jayapal), the Experts Protect Effective Rules, Transparency, and Stability Act of 2025 (“EXPERTS Act")

September 3, 2025

NCLC supports S.3210 (Warren) / H.R.6145 (Jayapal), the Experts Protect Effective Rules, Transparency, and Stability Act of 2025 (“EXPERTS Act”), which restores the Chevron judicial review standard and modernizes, improves, and strengthens the regulatory system to protect the public from harm more effectively.

Letter Opposing H.R.2702 (Barr) / S.875 (Scott), the Financial Integrity and Regulation Management Act” or the “FIRM Act”

March 13, 2025

NCLC opposes H.R.2702 (Barr) / S.875 (Scott), the Financial Integrity and Regulation Management Act” or the “FIRM Act,” which would ban regulators from considering reputational risk in bank supervision.

Support for Massachusetts Fair Chance in Housing Act

November 19, 2025

NCLC Director of Consumer Reporting and Data Advocacy Chi Chi Wu, submitted testimony in support of a Massachusetts bill to ban the use of credit reports and scores for tenants who have a government rent subsidy.

NCLC and GBLS Testimony in Opposition to MA S.705 & H.1106: An Act Relative to Home Investments

November 18, 2025

NCLC and GBLS provided written testimony in opposition to MA S.705 & H.1106: An Act relative to home investments. This is an industry bill that is being run across the country that defines shared appreciation agreements as not being residential mortgage loans, thus exempting them from federal and state mortgage lending rules and protections.

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