Issues

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Telecommunications Archive

2021-11-09T16:31:38-05:00November 9, 2021|Categories: Archive|

Telecommunications Policy Briefs, Reports & Press Releases Fact Sheet: Keeping Americans Connected During and After a Natural Disaster, September 11, 2018 Fact Sheet: Keeping Puerto Ricans Connected After a Natural Disaster, September 11, 2018 Press release: Advocates, Tribal Groups Seek to Delay Drastic Changes to Program Providing Affordable Voice and Broadband Access in Indian Country, July 3, [...]

New D.C. Study Shows How Arrearage Management Programs Are a Win-Win for Companies and Customers Alike

2021-07-15T15:41:28-05:00July 15, 2021|Categories: NCLC Utilities & Telecom Blog|

COVID and Utility Arrearages The COVID-19 pandemic has brought into sharp focus the fact that millions of Americans cannot afford the bills for utility service that keep the lights on, the food in the refrigerator cold, the air conditioning running in the summer, and the heating system running in the winter.  In order to protect [...]

Property Assessed Clean Energy (PACE) Loans Archive

2021-06-14T11:22:40-05:00June 14, 2021|Categories: Archive|

Policy Analysis Press Releases, Reports & Issue Briefs Issue brief: Residential Property Assessed Clean Energy (PACE) Loans: The Perils of Easy Money for Clean Energy Improvements, Sept. 2017 There has been a sharp increase in homeowner problems with PACE loans. The laudable goal of improving home energy efficiency is being overshadowed by the lack of [...]

Reverse Mortgages Archive

2021-06-14T11:11:28-05:00June 14, 2021|Categories: Archive|

Policy Briefs, Reports & Press Releases Press release: National Consumer Law Center Advocates Urge HUD to Take Immediate Action to Reduce Foreclosures on Widows and Widowers of Reverse Mortgage Borrowers, November 27, 2018 Issue brief:  How HUD is Failing to Protect Widows and Widowers of Reverse Mortgage Borrowers: Case Studies and Recommendations, November 2018 Issue brief: Assisting Homeowners [...]

General Mortgage Servicing Policy Analysis Archive

2021-06-14T10:46:08-05:00June 14, 2021|Categories: Archive|

Testimony and Comments Letter from Coalition Regarding Standards for Attorney General and Federal Agency Settlement with Mortgage Servicers, August 24, 2011 Comments on Credit Risk Retention by National Consumer Law Center and National Association of Consumer Advocates to the U.S. Department of Treasury, August 1, 2011 Bank Agency Settlement Statements Make No Meaningful Progress Towards National Servicing [...]

Disaster Relief & Consumer Protections Archive

2021-06-09T10:01:31-05:00June 9, 2021|Categories: Archive|

Housing & Mortgages Advocate Materials Consumer Organization Comments to HUD on the FHA Disaster Standalone Partial Claim and Additional Disaster Relief Issues, Sept. 14, 2018 Comments to HUD regarding changes to the loan modification programs for victims of natural disasters, September 27, 2019; Press release, September 4, 2019 Op-ed by National Consumer Law Center staff attorney Alys [...]

Rent-a-Bank Loans Archive

2021-06-28T12:43:53-05:00June 8, 2021|Categories: Archive|

Policy Briefs & Fact Sheets Brief: FDIC/OCC Proposal Would Encourage Rent-a-Bank Predatory Lending, December 2019 Fact Sheet: Stop Payday Lenders Rent-a-Bank Schemes, November 2019 Op-eds & Media Hits Op-ed: Congress Must Overturn OCC’s ‘Fake Lender’ Rule: Payday Lenders Benefit, Consumers Lose by Lauren Saunders and Lisa Stiffler, April 22, 2021 Op-Ed: Rent-a-bank schemes trample voters' [...]

How a New Federal Program Is Helping More People Get Connected to Broadband

2021-06-02T13:40:14-05:00June 2, 2021|Categories: NCLC Utilities & Telecom Blog|

By Olivia Wein (National Consumer Law Center) and Cheryl Leanza (United Church of Christ) Cross-posted with The Leadership Conference on Civil and Human Rights and the United Church of Christ, OC Inc. More than one year into the COVID-19 pandemic, one thing is certain: Our lives have forever changed — and daily reliance on digital [...]

Collecting Criminal Justice Debt Through the State Civil Justice System: a Primer for Advocates & Policymakers

2021-06-02T16:24:49-05:00June 1, 2021|Categories: Debt Relief Services, Reports|

Report Appendix A: State Laws Allowing Restitution Obligation to Be Treated as a Civil Judgement Appendix B: Statutes Allowing Fines, Court Costs, or Indigent Defense Costs to Be Treated as Civil Judgements Table 1: Statutes Denying the Usual Exemption Rules to Criminal Justice Debt Table 2: At a Glance: Will Moving Collection of Criminal Justice [...]

Archive: Predatory Installment Lending in the States 2021

2022-06-22T10:22:20-05:00May 27, 2021|Categories: High Cost Small Loans|

This is an outdated report. For the most current version click on this link May 2021 © Copyright 2021, National Consumer Law Center, Inc. All rights reserved. 1. How Well Do the States Protect Consumers Against High-Cost Installment Loans? Map 1: APRs Allowed for Six-Month $500 Installment Loan Map 2: APRs Allowed for [...]