Disability and Consumer Rights Organizations Express Concerns about Cuts to Medicaid and the ACA
Disability, elder, consumer rights and other organizations express concerns regarding cuts to Medicaid and the ACA under the One Big Beautiful Bill Act.
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Organizations Urge Congress Not To Cut Pell Grants
More than 170 organizations urge Congress to invest in our nation’s workforce by fully funding the Pell Grant program and rejecting any proposed eligibility cuts. More than seven million students across the nation rely on Pell Grants to pay for college. Any program or eligibility cuts would increase costs for families and significantly reduce college…
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U.S. House Bill Would Protect Collection Attorneys Engaged in Abusive Litigation Conduct
A bill introduced in the U.S. House of Representatives, H.R. 3213, Restoring Court Authority Over Litigation Action of 2025 (Fitzgerald, Barr, and Meuser), would harm consumers by removing important protections against abusive litigation conduct by attorneys. This bill would: Congress amended the FDCPA in 1986 to prevent abusive collection practices by attorneys. H.R. 3213 would protect attorneys…
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What States Can Do to Regulate Tenant Screening
The rental housing crisis continues to squeeze working families. Contributing to these struggles is the use of tenant screening reports, which typically combine information about eviction filings, criminal records, and credit history. These reports often contain significant systemic errors and problems, such as This Policy Brief offers solutions as to what states can do to…
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What States Can Do to Prevent Medical Debt from Ruining Credit Reports: Recommendations in the Face of Potential Federal Preemption Threats
State advocates seeking to remove medical debts from credit reports face a new landscape that threatens to undo their work. State laws and bills to ban medical debt credit reporting may need to be modified to protect against a now-hostile federal administration that may attempt to preempt them. This policy brief provides two suggestions to…
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Manufactured Housing Testimony Before House Financial Services Committee
This testimony by Mountain State Justice (and to which NCLC signed on) discusses challenges faced by homeowners with manufactured homes regarding financing and community conditions and it provides federal policy recommendations.
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Comment to Department of Education re: Intent to Establish Rulemaking Committee on IDR and PSLF
NCLC submitted this comment to the U.S. Department of Education in response to its request for comments regarding its intent to engage in rulemaking to change the regulations governing the income-driven repayment (IDR) and Public Service Loan Forgiveness (PSLF) programs for federal student loans. NCLC urged the Department to reconsider the timing of the proposed…
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Letter on Concerns Regarding Electronic Delivery of Financial Statements as Default
NCLC has serious concerns about H.R. 2441, Improving Disclosure for Investors Act of 2025, which would make electronic delivery the default method for financial statements and disclosures to investors.
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Risks and Advice for Buy Now, Pay Later Borrowers
Shoppers often have the choice to “buy now, pay later” using companies such as Klarna, AfterPay, Sezzle, Affirm, Splitit, and PayPal. With the typical “pay-in-four” buy now, pay later (BNPL) loan, a quarter of the price is due at checkout followed by three payments every two weeks for the next six weeks. BNPL credit can…
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What States Can Do to Help Consumers: Medicaid Estate Recovery
Medicaid plays a crucial role in ensuring that millions of working-class, aging, and disabled individuals can receive necessary long-term services and supports (LTSS) in their own homes and communities. Federal policy, however, forces state Medicaid programs to pursue recovery of LTSS costs accrued at age 55 and older from the estates of deceased beneficiaries, often…
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Sign On to the FCC in Support of the National Congress of American Indians and the Navajo Nation's Request for a Tribal Licensing Window (Spectrum)
This is a s sign on letter to the FCC in support of the National Congress of American Indians and the Navajo Nation’s request for a Tribal Licensing Window re the AWS-3 reauction (spectrum). This would provide tribal nations with spectrum rights over their land and facilitate closing the digital divide.
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Letter Opposing the Regulations from the Executive in Need of Scrutiny Act (REINS Act)
We oppose H.R. 142 (Cammack)/S. 485 (Paul) Regulations from the Executive in Need of Scrutiny Act (REINS Act). The bill would prohibit agencies from enforcing important consumer protection rules that have a large economic impact unless Congress acts to approve the regulations in a short window of time.