Equity & Racial Justice

Racial Justice

Systemic racism in housing, credit, employment, and other markets has long prevented consumers of color from accessing economic and wealth-building opportunities. These policies and practices lead to higher rates of poverty, lack of housing, a persistent wealth gap, community disinvestment, and other economic consequences. NCLC works to eradicate discriminatory policies and practices that have prevented consumers of color from accessing the same economic benefits as other Americans.

Presidential Action Enables Discrimination in Housing and Lending

April 25, 2025

The government will now only address illegal discrimination in the rare instances when the bad actor is caught red-handed. 

Read More about: Presidential Action Enables Discrimination in Housing and Lending
March 18, 2025
January 29, 2024

Recent

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Comment to FEMA Review Council on Heirs Property and Extreme Heat

May 15, 2025

Presidential Action Enables Discrimination in Housing and Lending

April 25, 2025

Urgent Action Needed to Preserve Racial Equity and Economic Justice

March 18, 2025

Comments on the Development of an Artificial Intelligence (AI) Action Plan

March 15, 2025

Coalition Letter to Congressional Leadership Opposing HUD Staffing Cuts

March 11, 2025

Comments on Bureau of Prisons’ Proposed Rule on the Inmate Financial Responsibility Program

February 18, 2025

On MLK Day, Remembering the Power of the People 

January 20, 2025

Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996

October 30, 2024

2025 Consumer Protection Federal Priorities

October 21, 2024

Comments & Letters

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Comment to FEMA Review Council on Heirs Property and Extreme Heat

May 15, 2025

Comments on the Development of an Artificial Intelligence (AI) Action Plan

March 15, 2025

Coalition Letter to Congressional Leadership Opposing HUD Staffing Cuts

March 11, 2025

Comments on Bureau of Prisons’ Proposed Rule on the Inmate Financial Responsibility Program

February 18, 2025

Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996

October 30, 2024

Comments to CFPB Regarding Streamlining Mortgage Servicing for Borrowers Experiencing Payment Difficulties; RESPA Regulation X

September 9, 2024

Environmental Justice and Civil Rights Advocates’ Response to Petition For Rulemaking to Rescind EPA’s Title VI Disparate Impact Regulations

September 4, 2024

Civil Rights Sign-on Comments on Disclosure and Transparency of AI-Generated Content in Political Ads

September 4, 2024

Comment on Form EIA-112: Residential Utility Disconnections Survey

August 19, 2024

Reports

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Keeping it in the Family: Legal Strategies to Address the Challenge of Heirs Property and Prevent Home Loss

January 29, 2024

Property Tax Foreclosures on Heirs Property: The Devastating Consequences and Recommendations for Prevention

August 22, 2023

The Racial Health and Wealth Gap: Impact of Medical Debt on Black Families

March 9, 2022

Gainful Employment: A Civil Rights Perspective

October 1, 2019

Report: Inequitable Judgments – Examining Race and Federal Student Loan Collection Lawsuits

April 16, 2019

Time to Stop Racing Cars: The Role of Race and Ethnicity in Buying and Using a Car

April 15, 2019

Toxic Transactions: How Land Installment Contracts Once Again Threaten Communities of Color

July 14, 2016

Credit Scoring and Insurance: Costing Consumers Billions and Perpetuating the Economic Racial Divide

June 18, 2007

Issue Briefs

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Urgent Action Needed to Preserve Racial Equity and Economic Justice

March 18, 2025

2025 Consumer Protection Federal Priorities

October 21, 2024

Myths and Facts About Ways to Increase Small Dollar Mortgage Lending 

August 9, 2024

Policy Recommendations: Ways to Prevent Built-to-Fail Land Contracts and Lease-Options From Hijacking the American Dream of Homeownership 

August 9, 2024

Captive Concerns: Incarcerated People Face Obstacles to Reporting Consumer Abuses

July 22, 2024

Reforming Property Tax Foreclosure Laws to Promote Sustainable Homeownership

May 22, 2024

Federal Priorities to Remove Roadblocks and Embed Equity in Federal Programs and Policies

April 22, 2024

Past Imperfect: How Credit Scores and Other Analytics “Bake In” and Perpetuate Past Discrimination

February 27, 2024

Heirs Should Not Be Subject to Florida’s Homestead Tax Exemption Penalty

August 22, 2023

Testimony

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

January 25, 2024

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

January 16, 2024

Testimony Supporting Massachusetts Bills H.3314 & S.2227: An Act to End Debt-Based Driving Restrictions and Remove Economic Roadblocks

November 9, 2023

Testimony of Sarah B. Mancini on Alternative Home Financing Before the Senate Banking Subcommittee on Housing, Transportation, and Community Development

July 11, 2023

Testimony Supporting California’s AB 1186, The REPAIR Act, on Youth Restitution

March 23, 2023

Testimony During “Examining Discrimination in the Automobile Loan and Insurance Industries”

May 1, 2019

Press Releases & News

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Presidential Action Enables Discrimination in Housing and Lending

April 25, 2025

On MLK Day, Remembering the Power of the People 

January 20, 2025

CFPB Proposed Rule Requiring Language Access in Mortgage Servicing Will Help Homeowners Avoid Foreclosure

July 11, 2024

Consumer and Industry Advocates Outline Reforms to Property Tax Foreclosure Laws to Promote Sustainable Homeownership

May 22, 2024

NCLC Advocates Promote Consumer Protections for Energy Efficiency Financing in New Book

May 20, 2024

Final FHFA Rule on Racial Equity, Language Access, and Fair Lending Oversight Will Aid Underserved Communities

May 1, 2024

CFPB Report Confirms Credit Reporting of Medical Debt is a Racial Justice Issue

April 30, 2024

AG Campbell Issues Advisory Providing Guidance on how Massachusetts Consumer Protection and Other Laws Apply to Artificial Intelligence

April 16, 2024

Heirs Property Report: How to Prevent Home Loss, Close Racial Wealth Gap

January 29, 2024

Amicus Briefs

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NAMIC v. HUD

July 10, 2024

Amicus Brief: City of Grants Pass, Oregon v. Johnson

April 11, 2024

Amicus Brief in Chamber v. CFPB

December 23, 2022

Amicus Brief in Pearson v. Hodgson

October 12, 2021

Amicus Brief in Massachusetts Fair Housing Center and Housing Works, Inc. v. HUD

October 13, 2020

Amicus Brief in Comcast Corp. v. National Association of African American-Owned Media, et.al.

September 30, 2019

Amicus Brief in Comcast v. National Association of African American-Owned Media

September 30, 2019

Amicus Brief in Bostock v. Clayton County

July 3, 2019

From the NCLC Digital Library

Credit Discrimination

An in-depth examination of federal and state discrimination laws that have a powerful application in maximizing claims in consumer cases, including the Equal Credit Opportunity Act (ECOA), Fair Housing Act, several Civil Rights Acts, state discrimination statutes, and more.

Read Chapter One

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