The COVID-19 pandemic created upheaval in people’s lives, especially the most vulnerable, and NCLC worked with allies, government officials, and businesses, to help. This list of resources, updated as new information is available, is a guide to help families navigate their financial lives during turbulent times.

General Consumer Protections

Training & Conferences

Additional Resources

Archived Letters, Statements, Briefs, etc.

Stimulus Payments

General Consumer Protections


Bank and Prepaid Card Accounts, Bank Fees

  • States, including New York, have ordered or encouraged relief affecting overdraft, ATM and credit card late fees.
  • Banks and credit unions that offer safe checkless checking accounts that meet the Bank On National Account Standards (including no overdraft or NSF fees)  can be opened online, and are available to people with blemished account screening histories, can be found at


Credit and Debt 

Federal Relief

State & Local Relief

NCLC is tracking state and local government responses to the coronavirus that are relevant to the collection of non-mortgage consumer debts, including:

Credit Reporting

Criminal Justice 


Federal Relief

State & Local Relief

Homeowner Assistance Fund Advocacy

Older Consumers

Racial and Immigrant Equity

Robocalls & Telemarketing

  • NCLC & American Bankers’ Association Ex-Parte joint comments to the FCC requesting quick action to interpret the TCPA’s emergency exception to apply to automated calls from creditors during the  COVID-19 emergency when informing consumers of forbearance and payment deferral options for loans secured by homes and vehicles, April 23, 2020
  • Group Ex Parte Comments to the FCC supporting the American Banker Asso. and other lenders petition on pandemic calls duringdeclared national emergency, limited numbers of automated calls from the described institutions to alert their customers to the callers’ offers of the specified kinds of relief related to the COVID-19 pandemic, April 9, 2020; Related press release

Student Loans

NCLC Litigation

  • Barber, Jenkins  et al vs Devos and U.S. Department of Education, Case 1:20-cv-01137, May 7, 2020. Amended Complaint and Press Release. Share your story if you have had wages garnished in 2020 for a student loan. NCLC and Student Defense, with support of the Student Borrower Protection Center, filed an emergency APA lawsuit in the D.C. District Court against the U.S. Department of Education seeking to stop its garnishment of wages from defaulted student loan borrowers and to force the agency to immediately comply with Sec. 3513 (e) of the CARES Act that mandates that all such collections be ceased until at least next September. A motion for injunctive relief class certification has also been filed.

Federal Policy

  • NCLC attorney Persis SiChing Yu testimony Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs Subcommittee on Economic Policy re: “Protecting Student Loan Borrowers and the Economy in Upcoming Transitions,” July 27, 2021
  • Group Letter to President Biden urging immediate action to extend the current pause on student loan payments, June 24, 2021

NCLC Articles, Briefs, Fact Sheets, Reports, Videos & Webinars

Utilities and Bridging the Digital Divide

Federal Relief

State & Local Relief

NCLC Articles, Briefs, Fact Sheets, Reports, Videos & Webinars

Training and Conferences at NCLC

All information will be updated on our Conferences or Webinars pages.

Additional Resources