Model State Laws

Car Sales & Financing

• Making Repossessions Safer and Fairer: Model Consumer Amendments to Uniform Commercial Code Article 9, June 2016

Debt Collection and Settlement

• Fact Sheet: What States Can Do: Criminal Justice Debt, September 2019
• Model Medical Debt Protection Act, September 2019
  • Fact Sheet: What States Can Do to Help Consumers: Medical Debt, September 2019
  • Fact Sheet: What States Can Do to Help Consumers: Debt Collection, May 2019
• Model Family Financial Protection Act, Revised October 2021

Foreclosures

• Summary of State Foreclosure Laws
• NCLC Model Language to Protect Homeowners Applying for HAF Funds, February 2022

Foreclosure Mediation

• Model Foreclosure Mediation/Diversion Statute (Judicial Foreclosure State)
• Model Foreclosure Mediation/Diversion Statute (Non Judicial Foreclosure State)

General

• Model Consumer Credit Act (1973)
• National Consumer Act (1970)

Manufactured Homes

• Promoting Resident Purchase Opportunities (Policy Guide with model law and full text of existing laws)
• Protecting Fundamental Freedoms in Communities (Policy Guide with model law and Appendix – full text of state laws)

Payday Loans and Usury

• Fact Sheet: What States Can Do to Help Consumers: High Cost Loans, July 2019

Student Loans

• Fact Sheet: What States Can Do to Protect Consumers: Student Loans, January 2020

Utilities

• Fact Sheet: What States Can Do to Help Consumers: Energy Insecurity, January 2020

 

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