National Consumer Law Center Inc. (Nclc)
National Consumer Law Center Inc. (Nclc)
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About this organization
Mission
The Boston-based National Consumer Law Center® (NCLC®) works for consumer justice and economic security for low-income and other disadvantaged people, including older adults. Using our expertise in consumer and energy law, we seek positive impact for consumers through policy analysis and advocacy; publications; litigation; expert witness services, and training and advice for advocates, housing counselors, and social services providers.
About
Building family and individual economic security. Low-income families struggle every day to meet basic expenses, and usually have little or no savings to provide a safety net. They are disproportionately targeted for overpriced financial services, such as excessive bank fees, high-cost loans, and predatory home mortgages. Lax regulation has left many families vulnerable to wealth-stripping practices and deeply in debt, reducing opportunities for higher education, job training and homeownership. To counter these trends and help low-income people build assets and economic security, NCLC promotes the adoption and enforcement of strong consumer protections in the financial services marketplace. Specific achievements in 2018: NCLC released an issue brief: The Wrong Tool for the Wrong Purpose: Why the Credit Scoring Provision in the Immigration Public Charge Proposal is Illogical and Ill-Advised in Oct. 2018 and also advocated for rejection of a draconian public charge proposed rulemaking by the Department of Homeland Security that would penalize immigrants for, among other things, low credit scores. NCLC submitted regulatory comments (signed on by 50 groups.) In May of 2018 NCLC's advocacy work following the 2017 Equifax data breach helped create the climate in which Congress adopted a right to a free credit or security freeze for consumers. In addition, Congress created two other limited new rights under the FCRA regarding protections for credit reporting of veterans' medical debt (see the debt collection section of this report) and free credit monitoring alerts for active duty military service members. These three provisions were among the few bright spots in a Dodd-Frank rollback deregulatory bill. NCLC filed a class action lawsuit, Pearson et al v Hodgson and Securus Technologies, Inc. in May 2018 to challenge an illegal kickback scheme between the Bristol County Sheriff's Office in Massachusetts and Securus Technologies (a company that operates privatized telephone systems in U.S. correctional facilities). Shortly after the end of the reporting period, the suit cleared a major milestone, with the judge finding that most of our claims could proceed. We also continued litigation of a class action lawsuit, Egana v Blair's Bail Bonds, involving New Orleans bail bond companies and other businesses that charged clients hidden and illegal fees, among other misconduct. In June 2018 the court hearing that case held that we could proceed with most of our claims against the bail bond company. NCLC played a leading role in efforts to educate the public and lawmakers about the importance of the CFPB's important new payday loan rule, and -- despite an increasingly hostile-to-consumer-protection atmosphere in Washington - a 2018 effort to overturn that rule did not succeed. We consider this a significant victory, and attribute it to the vigorous effort by the consumer rights coalition to be unified and vocal about the harms of payday lending. As part of the implementation of regulations to protect students from accruing unaffordable debt to attend predatory schools, supported by NCLC through advocacy and litigation, the Education Department announced that it will cancel $150 million in federal student loan debt, despite its Secretary of Education's efforts to restrict borrower defense claims by former students whose schools closed or made false promises. Approximately 15,000 borrowers (half of whom attended the for-profit Corinthian Colleges, which closed its campuses in 2015) will have their loans forgiven. NCLC's participation as the lead legal aid negotiator at the Department of Education's borrower defense negotiated rulemaking helped create a stalemate in which the department could not meet a November 1, 2018 deadline to finalize new borrower defense and gainful employment rules which would have harmed borrowers. As a result, the department will not be able to put any new, weaker rules in place until July of 2020 at the earliest, a defensive victory for consumers. Another positive development in 2018 is that the Department of Education announced a new student loan servicing contract solicitation that includes many of the elements that we had advocated for, such as a single servicing platform for borrowers. Both of these actions have been challenged in court by debt collectors and servicers, but we are hopeful that we will prevail in the long run. Over 800 consumer attorneys attended NCLC's 2018 Consumer Rights Litigation Conference (CRLC) in Washington, D.C. featuring dozens of breakout sessions and speakers including former CFPB student loans ombudsman Seth Frotman, Washington State Attorney General Bob Ferfuson, litigation expert attorney Jan Sawyer and consumer and constitutional law expert attorney Deepak Gupta. FHA loans, mortgage servicing: During 2018 NCLC staff achieved success in several of its goals related to FHA mortgage servicing and we made substantial progress toward success in other objectives. HUD agreed to rescind the FHA policy decision that removed key borrower protections from its form note and mortgage. HUD published the reinstatement decision in the Federal Register. The agency's delay in finalizing the rule have given some cause for concern, as a fallback strategy NCLC has developed a litigation strategy in collaboration with Public Citizen to enforce Administrative Procedure Act (APA) requirements to finalize the rulemaking.
Interesting data from their 2019 990 filing
The filing outlines the non-profit's goal as “Since 1969, the nonprofit national consumer law center has used its expertise in consumer law and energy policy to work for consumer justice and economic security for low-income and other disadvantaged people. nclc's expertise includes policy analysis and advocacy; consumer law and energy publications; litigation; expert witness services, and training and advice for advocates. nclc works with nonprofit and legal services organizations, private attorneys, policymakers, and federal and state government and courts across the nation to stop exploitive practices, help financially stressed families build and retain wealth, and advance economic fairness.”.
When explaining its purpose, the activities were outlined as: “Since 1969, the nonprofit national consumer law center has used its expertise in consumer law and energy policy to work for consumer justice and economic security for low-income and other disadvantaged people. nclc's expertise includes policy analysis and advocacy; consumer law and energy publications; litigation; expert witness services, and training and advice for advocates. nclc works with nonprofit and legal services organizations, private attorneys, policymakers, and federal and state government and courts across the nation to stop exploitive practices, help financially stressed families build and retain wealth, and advance economic fairness.”.
- As per legal reporting requirements, the state of operation for the non-profit is MA.
- The non-profit's address for 2019 is listed as 7 WINTHROP SQUARE 4TH FLOOR, BOSTON, MA, 021101006 in the filing.
- As per the non-profit's form, they have 68 employees as of 2019.
- Is not a private foundation.
- Expenses are greater than $1,000,000.
- Revenue is greater than $1,000,000.
- Revenue less expenses is $4,530,681.
- The organization has 11 independent voting members.
- The organization was formed in 1971.
- The organization pays $6,053,485 in salary, compensation, and benefits to its employees.
- The organization pays $606,502 in fundraising expenses.