2025 Consumer Protection Federal Priorities
NCLC will pursue common-sense regulatory and legislative reforms to ensure fairness, fight fraud, and protect consumers in 2025.
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Civil Rights Sign-on Comments on Disclosure and Transparency of AI-Generated Content in Political Ads
This letter is the Leadership Conference on Civil and Human Rights sign-on comments urging the Federal Communication Commission to require disclosure for AI-generated content in political ads. Communities of color and non-English speakers are particularly vulnerable to fraudulent campaign communications.
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Comments to CFPB Regarding Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; RESPA Regulation X
This RESPA comment, with three appendices, generally supports and provides detailed feedback on the Bureau’s proposals to streamline loss mitigation procedures and to expand language access in mortgage servicing. It shares results of two related NCLC surveys of advocates and also supports providing stronger protections for successors in interest and for those with “zombie” second…
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Environmental Justice and Civil Rights Advocates’ Response to Petition For Rulemaking to Rescind EPA’s Title VI Disparate Impact Regulations
The National Consumer Law Center (on behalf of its low-income clients), along with a coalition of over 45 environmental justice and civil rights organizations, submitted a letter to the Environmental Protection Agency (EPA), calling on the agency to reject a petition filed by Republican attorneys general which would rescind vital Title VI protections. The letter…
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Amicus Brief: Lackey v. Stinnie
NCLC joined in an amicus brief authored by the Lawyers Committee for Civil Rights Under Law regarding the definition of “prevailing party” in civil rights cases where a preliminary injunction is obtained and the case is subsequently mooted out by a legislative fix. The outcome of this case will impact the ability of civil rights…
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Comment on Form EIA-112: Residential Utility Disconnections Survey
NCLC and partner organizations submitted a comment to the U.S. Department of Energy/Energy Information Administration (EIA) supporting the EIA proposal to require certain electric and gas utilities to report and make public monthly residential service disconnections data. To support racial justice objectives, NCLC and commenters recommended that disconnections data be reported at the zip code…
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Comments to the Department of Treasury on Use of Artificial Intelligence in Financial Services
Use of artificial intelligence in financial services has the potential to reduce costs, increase efficiency in the underwriting process, detect fraud, and improve customer relations. However, the use of complex, opaque algorithmic models in consumer credit and banking transactions also heightens the risk of unlawful discrimination, and unfair, deceptive, and abusive practices.
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Myths and Facts About Ways to Increase Small Dollar Mortgage Lending
In this issue brief, we debunk certain myths about the barriers to small-dollar mortgage lending and set out recommendations for meaningful progress.
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Policy Recommendations: Ways to Prevent Built-to-Fail Land Contracts and Lease-Options From Hijacking the American Dream of Homeownership
A significant number of Americans have attempted to become homeowners through “rent-to-own” transactions – either a land contract or a lease with option to buy. Often, these contracts are built to fail. In this issue brief, we provide policy recommendations to prevent harmful practices and incentivize success.
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Texas Comment Letter to FEMA on Equity Interim Final Rule
This comment provides input a wide range of FEMA policies that could increase equitable access to disaster relief for the hardest hit disaster survivors, including the need to improve procedures for heirs property owners and others with non-traditional homeownership.
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Captive Concerns: Incarcerated People Face Obstacles to Reporting Consumer Abuses
Consumer protection laws apply to incarcerated people. But because of incarcerated people’s limited and highly regulated contact with the outside world, they struggle to report consumer problems such as identity theft and fraud, as well as abusive practices perpetrated by the private companies that they must rely on for essential services and goods within correctional…
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CFPB Proposed Rule Requiring Language Access in Mortgage Servicing Will Help Homeowners Avoid Foreclosure
The CFPB's proposed rules would ensure that borrowers with limited English proficiency (LEP) have a meaningful opportunity to seek assistance from their mortgage companies in times of distress, helping them stay in their homes.
