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Checklist for Identifying a Zombie Second Mortgage
The NCLC Zombie Mortgage Checklist provides suggestions for gathering information and documents to help determine if an advocate’s client has a zombie second mortgage and if there may be claims against the lender or servicer that would enable a client to challenge the foreclosure, negotiate an affordable loan modification, and obtain other relief to allow…
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Group Letter to the FCC re: Implementation of the Martha Wright Reed Just and Reasonable Communications Act, WC Docket Nos. 12-375, 23-62
This letter lays out how the Commission should efficiently and justly continue to implement the Martha Wright Reed Just and Reasonable Communications Act. The actions the Commission should take include: (1) adopting permanent rate caps on incarcerated people’s communications services (IPCS); (2) collecting data regarding IPCS video costs and other aspects of the marketplace; (3)…
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Consumer Groups Response to Telemarketers' Complaints About FCC's One-to-One Consent Rule
The FCC’s December 2023 regulation requiring one-to-one consent for prerecorded telemarketing calls will dramatically reduce these abusive calls in the future. These comments describe how both consumers and small businesses will benefit from this regulation, and they counter the telemarketing industry complaints.
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Weak State Exemption Laws Allow Debt Collectors to Push Families Into Poverty
A new report finds that not one state or jurisdiction sufficiently protects its residents' homes, vehicles, belongings, and family finances – and some fail miserably.
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No Fresh Start: Will States Protect Families from Wage and Asset Seizures as Debt Levels Soar? (2025)
Every state has a set of exemption laws, intended to prevent creditors from pushing families into destitution. This report finds that few states’ exemption laws meet even the most basic standards.
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CFPB Overdraft Rule Provides Real Savings for Families Living Paycheck to Paycheck
NCLC Advocates Praise Final Rule Slashing Big Bank Overdraft Fees from $35 to $5, Bringing Billions in Relief to 1 in 5 Families
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Reply Comments to the FCC on Data Caps in Consumer Broadband Plans
By Public Knowledge, Open Technology Institute at New America, Benton Institute for Broadband and Society and the National Consumer Law Center, on behalf of its low-income clients (WC Docket No. 23-199) Reply comments in response to the Federal Communications Commission’s Notice of Inquiry to refresh the record on fixed and mobile broadband internet service data…
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Comments to the FCC on Data Caps in Consumer Broadband Plans
By Public Knowledge, Open Technology Institute at New America, Benton Institute for Broadband and Society and the National Consumer Law Center, on behalf of its low-income clients (WC Docket No. 23-199) These are joint opening comments in response to the Federal Communications Commission’s Notice of Inquiry to refresh the record on fixed and mobile broadband…
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Consumer Group Comments Opposing NumberBarn's Application for Access to Number Resources
The sale and rental of telephones allows scammers and telemarketers to evade FCC requirements for truthful caller-ID. These comments urge the FCC to deny the application of a VoIP provider requesting access to number resources based on its previous practices.
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Letter to FHFA Urging Adoption of Energy Codes and Release of Related Research
This coalition letter urges adoption of energy efficiency building code standards for the Enterprises before the transition to a new administration. It also urges publication of the FHFA/Enterprises analyses on the impacts of efficiency standards. Making the analysis public provides full transparency into the process, will demonstrate the effort that FHFA and the Enterprises have…
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Opposition to HR 6951, the College Cost Reduction Act
This bill would significantly weaken or repeal many important federal student loan protections, particularly those critical for low-income student loan borrowers.
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