Credit Card Archive,Nuts and Bolts On
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Credit Card Archive Credit Cards Policy Briefs, Reports & Press Releases Archive Press Release: Consumer tips with a data breach, Dec. 19, 2013 Press release: Consumer Advocates Applaud CFPB for CareCredit Enforcement Action, Dec. 10, 2013 Statement re: CFPB Report on Credit Card Act Reform, Oct. 2, 2013 Press Release: CFPB Rule on Fee-Harvester Credit Cards, March 28, 2013 Issue Brief: Myths & Realities About the CARD Act Independent Ability-To-Pay Provision, June 2012. See also NCLC original and reply comments to CFPB Advocates Urge Consumer Financial Protection Bureau to Stand Firm on Protection from Fee- Harvester Credit Cards, April 2012 U.S. Supreme Court CompuCredit Corp. v. Greenwood Decision Denies Basic Legal Right to Day in Court, Jan. 2012 Beyond the Credit CARD Act: Features of a Safer Credit Card Policy Brief and Press Release, Nov. 2010 Credit CARD Protections Take Effect Feb. 22 But Loopholes and Abuses Persist: Financial watchdog needed to crack down on evasion, abuse and unfairness. Advice for Consumers, Feb. 17, 2010 Credit Card Evasions Rampant: Schemes to Avoid New Laws Rampant Before the Laws Even Go Into Effect, Nov. 20, 2009 10 Million Americans Unprotected by Fed Credit Card Rules: New Analysis Shows Fed Rules Still Allow Onerous Rate Hikes For 80 Million Credit Card Accounts Press Release, Apr. 27, 2009 Press Release: Senator Durbin introduces quick fix for predatory consumer lending, July 18 2008 Press Release: Fed’s Credit Card Rules: Good First Step, May 2, 2008 High-Fee, Low-Credit Predatory Credit Cards Prey Upon the Poor, Nov. 2007 Fee-Harvesters: Low-Credit, High-Cost Cards Bleed Consumers Report Press Release: Consumer Groups to Fed: Stop Abusive Credit Card Practices Press Release, October 15, 2007 Press Release: Consumer Groups Call for Congressional Action on Unjustifiable Fees, Outrageous Interest Rates and Questionable Lending Practices, March 7, 2007 The Life and Debt Cycle The Implications of Rising Credit Card Debt Among Older Consumers Report, July 2006, Part I and Part II Credit Cards Comments and Testimony Archive First Set and Second Set of Comments of NCLC in response to CFPB Request for Information Regarding the Credit Card Market, May 18, 2015 Comments to the Consumer Financial Protection Bureau regarding the Credit CARD Act of 2009, Feb. 19, 2013 Comments on proposed CFPB rules amending ability-to-pay requirements to permit consideration of household income, Jan. 7, 2012 Comments on proposed rule on fee harvester cards, June 11, 2012 Comments on Regulations Implementing $50,000 threshold for transactions exempt from Truth in Lending, Feb. 1, 2011 Consumer Groups’ Comments on Regulations Implementing the Credit CARD Act of 2009 January 3, 2011 – Comments on cleanup rules to prevent evasions March 14, 2010 – Comments on Reasonable and Proportional Penalty Fees and Re-Evaluation of Rate Increases November 20, 2009 – Comments on CARD Act Regulations. Cites examples of tactics designed to avoid Credit CARD Act protections September 21, 2009 – Comments on Right to Reject Changes and 45 days Notice Requirements Comments of NCLC and others re: Proposed Rulemaking to Prohibit Unfair or Deceptive Acts or Practices with Respect to Credit Cards and Overdraft Loans, August 4, 2008 Comments of NCLC and others re FRB May 2008 Revised Proposal on Regulation Z Credit Card Disclosures, July 18, 2008 Comments of the National Consumer Law Center and Others, October 12, 2007 – Appendices to Comments Comments of the NCLC and NACA Regarding Advance Notice of Proposed Rulemaking Relating to Unfair or Deceptive Acts or Practices, November 2007 Testimony before the Committee on Homeland Security and Governmental Affairs Permanent Subcommittee on Investigations regarding Credit Card Practices, March 7, 2007 Written Testimony of Michael D. Donovan, Partner Donavan Searles, LLC, Philadelphia, also on behalf of NCLC and NACA before the Senate Committee on Banking, Housing, and Urban Affairs, January 25, 2007 Joint Recommendations of Consumer Groups on Unfair Credit Card Practices: Eliminate Reckless and Abusive Lending by Credit Card Companies, January 25, 2007 Credit Cards Letters Archive Violations of the Credit CARD Act: Letters to Office of Comptroller of Currency and Office of Thrift Supervision regarding violations of the Credit CARD Act, July 7, 2010 Credit Card Accountability, Responsibility and Reform Act, S. 414.: Support Letter for Senator Dodd Credit CARD Act Coalition Letter asking Treasury Secretary Geithner to impose fairness in conditions on the use of our tax money to support the purchase of credit card debt, Jan. 2009 Nuts and Bolts on Guardianship as Last Resort: The Basics on When to File and How to Maximize Autonomy This webinar gives an overview of guardianship, other options, and the results of guardianship on the individual. Energy, Utilities & Telecommunications Staff Jenifer Bosco Charlie Harak John Howat Karen Lusson Olivia Wein Electric and Gas HOT TOPICS • New Maryland Law Will Protect Low-Income Families from Overpriced Electricity and Gas , June 7, 2021 • Testimony of NCLC attorney Jenifer Bosco before the MA Joint Committee on Telecommunications, Utiliites & Energy re: Competitive Energy Suppliers, Jan. 14, 2020; Press Release • Issue Brief: Still No Relief for Massachusetts Consumers Tricked by Competitive Electric Supply Companies, October 2018 • Report: Competing to Overcharge Customers: The Competitive Energy Supplier Market in Massachusetts, April 2018 Disruption of these life-sustaining services puts lives at risk. NCLC works on federal and state policies to ensure reasonable rates and protections for low-income households. Administrative & Regulatory Advocacy PowerPoint: Competitive Energy Supply A Legacy of Deception, Fraud And Consumer Rip- Offs presented by National Consumer Law Center attorney Karen Lusson before the Arizona Corporation Commission Stakeholder Meeting & Worksop re: Possible Modifications to the Arizona Corporation Commission’s Retail Electric Competition Rules, Feb. 25, 2020 Comments to the MA DPU Re: Request of the Office of Attorney General, Office of Ratepayer Advocacy for Investigation into the Effect of the Individual Residential Supply Market on Low Income Ratepayer Assistance Programs, Jan. 10, 2020 Comments to the Massachusetts Dept. of Public Utilities on its own Motion into initiatives to promote and protect consumer interests in the Retail Electric Competitive Supply Market, Feb. 19, 2019, Additional Comments re: the Dept.’s Tier Two Initiatives, Apr. 2, 2020 Comments of National Consumer Law Center on behalf of its low-income clients on Proposed Changes to 940 CMR 19.00, Jan. 13, 2017 Comments to the CA Public Utilities Commission on the Joint Motion for Settlement regarding its motion to address issue of customers’ electric and natural gas service disconnection and Response to Petition for Modification, April 2014 COMPLAINT OF ENE, NCLC, ET AL. CHALLENGING BASE RETURN ON EQUITY, filed with Federal Energy Regulatory Comm’n Dec. 27, 2012 California Adopts Order to Reduce Utility Disconnections of Vulnerable Households, April 2012 Model Settlement Protects Vulnerable Consumers from Utility Disconnections, Dec. 27, 2010 Policy Analysis Policy Briefs, Reports & Press Releases New Maryland Law Will Protect Low-Income Families from Overpriced Electricity and Gas, June 7, 2021 Issue Brief: Still No Relief for Massachusetts Consumers Tricked by Competitive Electric Supply Companies, October 2018 Press Release & Report: Competing to Overcharge Customers: The Competitive Energy Supplier Market in Massachusetts, April 2018 Press Release: Federal Energy Regulatory Commission Slashes Major Rate Relief Due on New England Electric Bills, June 24, 2014; FERC decision, June 20, 2014 Report: Rethinking Prepaid Utility Service: Customers at Risk, June 2012 Comments and Testimony MA S. 2150/H. 3352, An Act relative to electric ratepayer protections. Support Testimony, Jul. 28, 2021 Comments re: MA Department of Public Utilities Vote and Order Opening Inquiry 21-50, Jun. 14, 2021 MD S.B. 31, Electricity and Gas Suppliers – Energy Supply Offers. Support Testimony, Jan. 29, 2021 MD S.B. 681, Comprehensive Protections for Residential Consumers. Feb. 25, 2020. Support Testimony. Slides. MD H.B. 1224 / S.B. 685, Protecting Low-Income Consumers. Feb. 25, 2020. Senate Support Testimony. House Support Testimony. Senate Bill Slides. House Bill Slides. PowerPoint: Competitive Energy Supply A Legacy of Deception, Fraud And Consumer Rip-Offs presented by National Consumer Law Center attorney Karen Lusson before the Arizona Corporation Commission Stakeholder Meeting & Workshop re: Possible Modifications to the Arizona Corporation Commission’s Retail Electric Competition Rules, Feb. 25, 2020 MD H.B. 260 / S.B. 686, Reporting. Feb. 11, 2020. House Support Testimony. Senate Support Testimony. Slides. Additional Slide. Testimony of NCLC attorney Jenifer Bosco before the MA Joint Committee on Consumer Protection and Professional Licensure re: Competitive Electric Supply, January 27, 2020 Testimony of NCLC attorney Jenifer Bosco before the MA Joint Committee on Telecommunications, Utilities & Energy re: Competitive Energy Suppliers, Jan. 14, 2020; Press Release Comments to the Massachusetts Dept. of Public Utilities on its own Motion into initiatives to promote and protect consumer interests in the Retail Electric Competitive Supply Market, Feb. 19, 2019 Public Comment regarding the Madison Gas and Electric Company proposal to increase fixed, monthly residential customer