State Advocacy Archives

California AG Rob Bonta, Senator Limón Unveil Legislation to Protect Consumers Against Medical Debt

March 11, 2024

Senate Bill 1061 seeks to protect consumers from having their credit ruined by prohibiting medical debt from being reported on credit reports.

Letter to FCC from National Consumer and Privacy Groups on Importance of Allowing Wireless Providers to Impose CTIA's Best Practices on Business to Consumer Texts

March 5, 2024

Commenters representing frequent business texters (including telemarketers) seek to unwind and reduce existing protections fail to recognize that the reason that the text method of communication is currently so valuable is directly related to the protections the Messaging Principles and Best Practices and providers establish for these messages, particularly the control that these protections give…

Comments in DPU 24-15, Inquiry into Energy Burden and Energy Affordability

March 1, 2024

These comments discuss energy affordability programs and consumer protections, including Percentage of Income Payment Plans (PIPPs), tiered discounts, disconnection protections, extreme heat protections, and other utility consumer protection issues.

Joint Testimony Supporting MA I.D. Bill for People Released from Prison

January 25, 2024

NCLC joined joint testimony supporting MA H.2326/S.1506, “An Act relative to successful transition and re-entry to tomorrow for incarcerated persons” (The STARTT Act).

Testimony in Support of MA H.B. 1598 / S.B. 979, "An Act providing for easier and greater access to record sealing"

January 16, 2024

NCLC submitted testimony in support of a Massachusetts bill, "An Act providing for easier and greater access to record sealing" (H.B. 1598 / S.B. 979).

Testimony In Support of MA H.B. 1493 / S.B 998, re: Immediate Record-Sealing

January 16, 2024

NCLC submitted testimony in support of a Massachusetts bill, "An Act to remove collateral consequences and protect the presumption of innocence" (H.B. 1493 / S.B 998).

Comments on MA Attorney General's Office's "Junk Fees" Proposed Regulations, in which we discuss Junk Fees for Justice-Involved Consumers

December 20, 2023

NCLC submitted comments in response to the Massachusetts AGO's proposed regulations on unfair and deceptive fees, often referred to as “junk fees.”

Comments of Seven National Consumer Groups Encouraging the FCC to Act More Aggressively to Stop Scam Texts

February 26, 2024

Scam texts remain a significant problem for U.S. cell phone users. The FCC has the tools to identify the platforms that transmit the scam texts, and it should create incentives to encourage those platforms to stop sending scam texts.

Testimony Supporting Minnesota HF 3680 Opting Out of DIDMCA

February 23, 2024

NCLC submitted testimony supporting Minnesota HF 3680, which opts Minnesota out of the Depository Institutions Deregulation and Monetary Control Act (DIDMCA), which predatory lenders are using to evade state interest rate limits. The bill would stop predatory lenders from charging up to 225% interest in violation of Minnesota law.

Rooftop Solar: Consumer Protection Recommendations

July 12, 2024

This issue brief lists some of the reported problems and consumer risks of rooftop solar agreements and provides policy recommendations to address these concerns for all consumers.

Homeowners at Risk: Nationwide Survey Reveals Critical Gaps the CFPB Must Address to Prevent Foreclosures

February 21, 2024

The Consumer Financial Protection Bureau (CFPB) is currently working on a proposed regulation to update its mortgage servicing rule to permanently allow for streamlined loss mitigation reviews. The National Consumer Law Center (NCLC) conducted a nationwide survey in January 2024 to shed light on certain ongoing challenges that create an elevated risk of foreclosure. More…

State Policy Resources: Consumer Debt Collection

December 17, 2025

This resource compiles a variety of materials that are relevant to consumer advocates working on policy reforms related to the collection of unsecured consumer debts (credit card debts, medical debt, etc.).

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