State Advocacy Archives

Compendium of Existing Laws that Foster Resident Ownership of Manufactured Home Communities

October 1, 2025

Compendium of Existing Laws that Foster Resident Ownership of Manufactured Home Communities

DCFA Fact Sheet: Support an Equitable Economic Recovery

March 30, 2022

Coalition fact sheet in support of immediate passage of S.2858/H.4749, An Act Relative to Fairness in Debt Collection

Comments to CA DFPI on General Priorities

March 8, 2021

Coalition comments re: how the DFPI can best implement AB 1864, the California Consumer Financial Protection Law.

Appendix C: Checklist to Evaluate a State Student Protection Fund (SPF)

January 1, 2021

Appendix C of How States Can Help Students Harmed by Higher Education Fraud

Group Letter to the Public Service Commission of West Virginia regarding Appalachian and Wheeling Power Companies

September 23, 2021

National and West Virginia advocacy organizations urge the Public Service Commission to protect West Virginia ratepayers and reject the relief requested by the Companies.

Model State Act Limiting Arbitration

January 17, 2017

Much attention is now being paid to the expanded use of forced arbitration clauses in employment and consumer contracts, the attendant harms to consumers and employees, and the possibility of federal intervention. Recent media attention has highlighted the harms that arbitration inflicts on Americans every single day. And a flurry of federal activity (both congressional…

Statute of Limitations Reform Act

December 2, 2015

Statutes of limitations are laws that limit the length of time available for bringing a lawsuit in court. They are designed to protect “defendants and the courts from having to deal with cases in which the search for truth may be seriously impaired by the loss of evidence, whether by death or disappearance of witnesses,…

Making Repossessions Safer and Fairer: Model Consumer Amendments to Uniform Commercial Code Article 9

June 1, 2016

Existing law governing repossession of motor vehicles and other personal property leaves consumers vulnerable to the whims of creditors and largely in the dark as to the nature of the process. Secured creditors can, without any court or other government supervision, decide when to repossess the consumer’s property, seize it without notice, and sell it…

Why We Need the Debt Collection Fairness Act

March 9, 2022

In support of An Act Relative to Fairness in Debt Collection (S663/H1168) or the Debt Collection Fairness Act (DCFA) As of December 2020, 19% of Bay Staters had a debt in collection — rising to 35% in communities of color. The economic strain of the pandemic will inevitably result in a tsunami of increased debt…

What States Can Do to Help Consumers: High Cost Loans

March 15, 2022

The debt trap caused by short-term payday loans is well known. Payday and car title lenders are now increasingly moving into high-cost longer-term installment loans and lines of credit that can be a deeper and longer debt trap. Both short- and longer-term payday and title loans rely on high interest rates and coercive tactics to…

Advocates Applaud $4 Million DC Settlement with Predatory Rent-a-Bank Lender Elevate

February 8, 2022

February 8, 2022 FDIC should stop banks from laundering Elevate’s 100% -251% APR loans nationwide WASHINGTON – Advocates at the National Consumer Law Center applaud District of Columbia Attorney General Karl Racine’s announcement today that DC has reached a settlement with predatory rent-a-bank lender Elevate that requires it to abide by the District’s interest rate limits and…

What States Can Do About Credit Repair Abuses

January 3, 2022

Credit repair organizations (CROs) charge a fee to improve consumers’ credit scores, includingby removing errors. There is an epidemic of disreputable CROs that charge exorbitant fees forpromises they can’t keep.

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