National Consumer Law Center
@nclc4consumers.bsky.social
NCLC works across several issues facing consumers to stop exploitative practices, help financially stressed families build and retain wealth, and advance economic fairness. #ProtectConsumers
“Today’s announcement throws a lifeline to working and middle class families who are buckling under the weight of outdated student loan policies that don’t reflect today’s high cost of living and affordability crisis." #ProtectBorrowers #DefendStudents www.nclc.org/department-o...
Department of Education Suspending Plan to Seize Tax Refunds and Wages of Borrowers with Student Loans in Default
The Department of Education announced that it will delay plans to seize tax refunds and garnish the wages of struggling student loan borrowers.
www.nclc.org
January 16, 2026 at 8:34 PM
“Today’s announcement throws a lifeline to working and middle class families who are buckling under the weight of outdated student loan policies that don’t reflect today’s high cost of living and affordability crisis." #ProtectBorrowers #DefendStudents www.nclc.org/department-o...
“Student loan borrowers continue to pay the price for MOHELA’s systemic loan servicing failures. While time has passed since we filed our initial complaint, time itself could not resolve the harm MOHELA inflicts on vulnerable borrowers." #ProtectBorrowers #DefendStudents www.nclc.org/mohela-hit-w...
MOHELA Hit With Fresh Charges of Ongoing Student Loan Mismanagement
AFT Amends Complaint in Lawsuit Against Embattled Student Loan Servicer, Alleges MOHELA’s Misconduct Has Been Ongoing for Years
www.nclc.org
January 16, 2026 at 6:10 PM
“Student loan borrowers continue to pay the price for MOHELA’s systemic loan servicing failures. While time has passed since we filed our initial complaint, time itself could not resolve the harm MOHELA inflicts on vulnerable borrowers." #ProtectBorrowers #DefendStudents www.nclc.org/mohela-hit-w...
“Releasing this proposal on the cusp of #MLKday is an assault on Dr. King’s legacy and lifelong work to end redlining, segregation, and other forms of housing discrimination.
“Enforcing our nation’s civil rights laws remains imperative.” #FairHousing #MLKDay2026 www.nclc.org/as-mlk-day-a...
“Enforcing our nation’s civil rights laws remains imperative.” #FairHousing #MLKDay2026 www.nclc.org/as-mlk-day-a...
As MLK Day Approaches, HUD Takes Steps to Reduce Access to Housing
Proposed Rule Change Would Condone Discrimination in Housing
www.nclc.org
January 16, 2026 at 5:46 PM
“Releasing this proposal on the cusp of #MLKday is an assault on Dr. King’s legacy and lifelong work to end redlining, segregation, and other forms of housing discrimination.
“Enforcing our nation’s civil rights laws remains imperative.” #FairHousing #MLKDay2026 www.nclc.org/as-mlk-day-a...
“Enforcing our nation’s civil rights laws remains imperative.” #FairHousing #MLKDay2026 www.nclc.org/as-mlk-day-a...
If you learn that you’re in default, contact the Treasury Offset Program’s call center at 1-800-304-3107 before you file your taxes.
If you are on the list for garnishment, you’ll want to take steps right away to get current on your loans. @cnbc.com #DialBeforeYouFile www.cnbc.com/2026/01/14/s...
If you are on the list for garnishment, you’ll want to take steps right away to get current on your loans. @cnbc.com #DialBeforeYouFile www.cnbc.com/2026/01/14/s...
Student loan borrowers in default may miss out on Trump's 'largest tax refund season of all time'
The Trump administration is predicting larger tax refunds for the 2026 tax season, but the millions of student loan borrowers in default may miss out.
www.cnbc.com
January 15, 2026 at 7:54 PM
If you learn that you’re in default, contact the Treasury Offset Program’s call center at 1-800-304-3107 before you file your taxes.
If you are on the list for garnishment, you’ll want to take steps right away to get current on your loans. @cnbc.com #DialBeforeYouFile www.cnbc.com/2026/01/14/s...
If you are on the list for garnishment, you’ll want to take steps right away to get current on your loans. @cnbc.com #DialBeforeYouFile www.cnbc.com/2026/01/14/s...
Reposted by National Consumer Law Center
Rent prices are rising and homeownership seems like an impossible dream—@neeratanden.bsky.social explains CAP's plan to tackle the housing affordability crisis. https://www.americanprogress.org/article/build-baby-build-a-plan-to-lower-housing-costs-for-all/
January 15, 2026 at 2:21 PM
Rent prices are rising and homeownership seems like an impossible dream—@neeratanden.bsky.social explains CAP's plan to tackle the housing affordability crisis. https://www.americanprogress.org/article/build-baby-build-a-plan-to-lower-housing-costs-for-all/
A CFPB report found that student loan companies have become less responsive to complaints from borrowers. But key sections of the report, including those covering pathways out of default, were missing! #DialBeforeYouFile #ProtectConsumers @politico.com www.politico.com/news/2026/01...
Watchdog agency scales back student loan report
The Consumer Financial Protection Bureau said the initial report was not in the scope of what is required by federal law and called the author “disgruntled” and “incompetent.”
www.politico.com
January 14, 2026 at 8:36 PM
A CFPB report found that student loan companies have become less responsive to complaints from borrowers. But key sections of the report, including those covering pathways out of default, were missing! #DialBeforeYouFile #ProtectConsumers @politico.com www.politico.com/news/2026/01...
Shafroth urges people to check if their tax refund is at risk before filing by calling the Treasury Offset Program Hotline to see if they've been flagged & potentially resolve issues to keep their refund. @scrippsnews.bsky.social #ProtectBorrowers #DefendStudents www.scrippsnews.com/us-news/educ...
Millions of student loan borrowers face new repayment rules as garnishments restart
Federal wage garnishments on defaulted student loans return after 5 years, with major repayment changes and the early end of the SAVE plan in 2026.
www.scrippsnews.com
January 13, 2026 at 9:50 PM
Shafroth urges people to check if their tax refund is at risk before filing by calling the Treasury Offset Program Hotline to see if they've been flagged & potentially resolve issues to keep their refund. @scrippsnews.bsky.social #ProtectBorrowers #DefendStudents www.scrippsnews.com/us-news/educ...
As borrowers prepare to file their taxes, they should first check if their federal student loans are in default and take extra precautions—or potentially risk having their tax refunds seized. @borrowerjustice.bsky.social #ProtectBorrowers #DefendStudents www.nclc.org/advocates-re...
Advocates Release PSA for Student Loan Borrowers: The Government May Seize Your Tax Refund
Borrowers Advised to “Dial Before You File” to Know if Your Loans are in Default and Your Refund Is at Risk.
www.nclc.org
January 13, 2026 at 3:01 PM
As borrowers prepare to file their taxes, they should first check if their federal student loans are in default and take extra precautions—or potentially risk having their tax refunds seized. @borrowerjustice.bsky.social #ProtectBorrowers #DefendStudents www.nclc.org/advocates-re...
The latest article from NCLC's Digital Library examines the most significant Fair Debt Collection Practices Act #FDCPA developments in 2025. #ProtectConsumers #ConsumerLaw #FairDebt www.nclc.org/digital-libr...
Digital Library: FDCPA: 2025 in Review
This article examines the most significant 2025 Fair Debt Collection Practices Act (FDCPA) developments.
www.nclc.org
January 12, 2026 at 8:34 PM
The latest article from NCLC's Digital Library examines the most significant Fair Debt Collection Practices Act #FDCPA developments in 2025. #ProtectConsumers #ConsumerLaw #FairDebt www.nclc.org/digital-libr...
“Earned wage payday loans exploit low-income workers and are designed to extract high fees from those who can least afford them,” said Patrick Crotty at NCLC. “The earned wage payday loan industry is rife with unfair, deceptive and abusive practices." #ProtectConsumers www.nclc.org/earned-wage-...
Earned Wage Payday Lenders Are Picking Workers’ Pockets
New Report Exposes the Unfair, Deceptive and Abusive Practices of Earned Wage Payday Lenders
www.nclc.org
January 12, 2026 at 4:15 PM
“Earned wage payday loans exploit low-income workers and are designed to extract high fees from those who can least afford them,” said Patrick Crotty at NCLC. “The earned wage payday loan industry is rife with unfair, deceptive and abusive practices." #ProtectConsumers www.nclc.org/earned-wage-...
Reposted by National Consumer Law Center
In a victory for all consumers and working people, the CFPB will be funded again, thanks to a court order.
Over the past year, the agency, which has returned $21 billion to harmed consumers, has been attacked on all sides and pushed to the brink of insolvency.
Over the past year, the agency, which has returned $21 billion to harmed consumers, has been attacked on all sides and pushed to the brink of insolvency.
Under court order, Trump administration to fund beleaguered consumer financial watchdog
Citing a court order, the Trump administration said on Friday it will fund the Consumer Financial Protection Bureau with $145 million, a reversal that ends an 11-month battle that pushed the consumer ...
www.reuters.com
January 12, 2026 at 2:19 PM
In a victory for all consumers and working people, the CFPB will be funded again, thanks to a court order.
Over the past year, the agency, which has returned $21 billion to harmed consumers, has been attacked on all sides and pushed to the brink of insolvency.
Over the past year, the agency, which has returned $21 billion to harmed consumers, has been attacked on all sides and pushed to the brink of insolvency.
Reposted by National Consumer Law Center
EPIC added another action to our long history of fighting against robocalls this week by joining a comment to the FCC. EPIC joined @nclc4consumers.bsky.social and @consumeradvocates.bsky.social in urging the FCC to adopt measures to better protect people from unwanted calls. epic.org/epic-joins-c...
EPIC Joins Comment Urging FCC to More Effectively Combat Unwanted Calls, Including Delaying Any Caller Name Display Requirements
<p>In the comments, EPIC, NACA, and NCLC argued in support of several measures to better protect consumers.</p>
epic.org
January 8, 2026 at 7:50 PM
EPIC added another action to our long history of fighting against robocalls this week by joining a comment to the FCC. EPIC joined @nclc4consumers.bsky.social and @consumeradvocates.bsky.social in urging the FCC to adopt measures to better protect people from unwanted calls. epic.org/epic-joins-c...
“We’re looking at, pretty soon, being at a place where there are 10M Americans with federal student loans in default ... beginning some of the harsh collection methods that can be more financially destabilizing for struggling families." #ProtectBorrowers @thehill.com thehill.com/homenews/edu...
thehill.com
January 8, 2026 at 6:54 PM
“We’re looking at, pretty soon, being at a place where there are 10M Americans with federal student loans in default ... beginning some of the harsh collection methods that can be more financially destabilizing for struggling families." #ProtectBorrowers @thehill.com thehill.com/homenews/edu...
The 47,000 fraud cases in 2024 by the FTC are likely an undercount, said Carla Sanchez-Adams at NCLC.
As these scams proliferate and increasingly rely on artificial intelligence to do so, regulators have had limited success in stemming the tide. @levernews.com www.levernews.com/scammers-are...
As these scams proliferate and increasingly rely on artificial intelligence to do so, regulators have had limited success in stemming the tide. @levernews.com www.levernews.com/scammers-are...
Scammers Are Using These 17 Numbers To Steal Your Money
Scammers are using publicly available information to steal your money — while spotty regulations and industry pushback have limited your ability to recover it.
www.levernews.com
January 7, 2026 at 9:39 PM
The 47,000 fraud cases in 2024 by the FTC are likely an undercount, said Carla Sanchez-Adams at NCLC.
As these scams proliferate and increasingly rely on artificial intelligence to do so, regulators have had limited success in stemming the tide. @levernews.com www.levernews.com/scammers-are...
As these scams proliferate and increasingly rely on artificial intelligence to do so, regulators have had limited success in stemming the tide. @levernews.com www.levernews.com/scammers-are...
Tomorrow, advocates will hold a briefing to ensure that vulnerable #Massachusetts families are able to keep safe, warm, and healthy this winter through the Home Energy Assistance Program (HEAP).
Livestream the briefing (1/7/26 @ 10:30 am ET): www.youtube.com/live/XeTdlZX... 1/2
Livestream the briefing (1/7/26 @ 10:30 am ET): www.youtube.com/live/XeTdlZX... 1/2
MASSCAP HEAP Awareness Event
YouTube video by ABCD Boston
www.youtube.com
January 6, 2026 at 9:03 PM
Tomorrow, advocates will hold a briefing to ensure that vulnerable #Massachusetts families are able to keep safe, warm, and healthy this winter through the Home Energy Assistance Program (HEAP).
Livestream the briefing (1/7/26 @ 10:30 am ET): www.youtube.com/live/XeTdlZX... 1/2
Livestream the briefing (1/7/26 @ 10:30 am ET): www.youtube.com/live/XeTdlZX... 1/2
As we enter 2026, many #Massachusetts families are feeling a serious financial strain. 𝐓𝐡𝐞 𝐑𝐨𝐚𝐝 𝐭𝐨 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲 𝐀𝐜𝐭 offers a concrete way for the legislature to help people who are trapped in cycles of debt. #mapoli #ProtectConsumers www.nclc.org/statement-of...
Statement of the Road to Opportunity Act Coalition on Favorable Report from Joint Transportation Committee
“We deeply appreciate the leadership of Senator Cyr and Chair Crighton in advancing this critical legislation."
www.nclc.org
January 5, 2026 at 8:09 PM
As we enter 2026, many #Massachusetts families are feeling a serious financial strain. 𝐓𝐡𝐞 𝐑𝐨𝐚𝐝 𝐭𝐨 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲 𝐀𝐜𝐭 offers a concrete way for the legislature to help people who are trapped in cycles of debt. #mapoli #ProtectConsumers www.nclc.org/statement-of...
The Department of Education will not permit anyone else to enroll in SAVE or forgive any loans through the SAVE Plan (or the plan that SAVE replaced, called REPAYE), and it will deny any pending applications. #ProtectBorrowers #DefendStudents
@forbes.com www.forbes.com/sites/adammi...
@forbes.com www.forbes.com/sites/adammi...
www.forbes.com
January 5, 2026 at 7:38 PM
The Department of Education will not permit anyone else to enroll in SAVE or forgive any loans through the SAVE Plan (or the plan that SAVE replaced, called REPAYE), and it will deny any pending applications. #ProtectBorrowers #DefendStudents
@forbes.com www.forbes.com/sites/adammi...
@forbes.com www.forbes.com/sites/adammi...
Payments for SAVE borrowers have been paused for more than a year because of litigation, and borrowers may struggle to readjust to making payments, said Abby Shafroth at NCLC. “𝐓𝐡𝐞𝐲’𝐥𝐥 𝐛𝐞 𝐚𝐭 𝐫𝐢𝐬𝐤.” #ProtectBorrowers #DefendStudents @nytimes.com www.nytimes.com/2026/01/02/b...
Big Changes Are Coming to Student Loans. Here’s What to Know if You’re Struggling.
www.nytimes.com
January 2, 2026 at 7:05 PM
Payments for SAVE borrowers have been paused for more than a year because of litigation, and borrowers may struggle to readjust to making payments, said Abby Shafroth at NCLC. “𝐓𝐡𝐞𝐲’𝐥𝐥 𝐛𝐞 𝐚𝐭 𝐫𝐢𝐬𝐤.” #ProtectBorrowers #DefendStudents @nytimes.com www.nytimes.com/2026/01/02/b...
2025 ushered in significant change in consumer laws and regulations. Learn more about NCLC's strategic advocacy and litigation to #ProtectConsumers threatened by record-breaking personal debt and a growing affordability crisis. #YearInReview www.nclc.org/nclcs-year-i...
NCLC’s Year in Economic Justice: 2025
NCLC advocates resisted rollbacks of federal consumer protections and fought to increase state-level protections.
www.nclc.org
December 31, 2025 at 4:04 PM
2025 ushered in significant change in consumer laws and regulations. Learn more about NCLC's strategic advocacy and litigation to #ProtectConsumers threatened by record-breaking personal debt and a growing affordability crisis. #YearInReview www.nclc.org/nclcs-year-i...
“It’s sort of a head-spinning, 180-degree reversal,” said @chichiwu.bsky.social. She called the #CFPB, now led by Project 2025 architect Russell Vought, the “evil twin” of its predecessor under Pres. Biden. #ProtectConsumers #MedicalDebt via @usatoday.com www.usatoday.com/story/money/...
States advance medical debt protections as federal support fades
Federal officials reversed their stance on medical debt credit reporting, then came a lawsuit in Colorado.
www.usatoday.com
December 29, 2025 at 7:07 PM
“It’s sort of a head-spinning, 180-degree reversal,” said @chichiwu.bsky.social. She called the #CFPB, now led by Project 2025 architect Russell Vought, the “evil twin” of its predecessor under Pres. Biden. #ProtectConsumers #MedicalDebt via @usatoday.com www.usatoday.com/story/money/...
If you feel you’ve been rejected for a rental unit that you can in fact afford, consider reaching out to the landlord and politely questioning their decision.
And pull your #CreditReport to make sure it’s correct. #ProtectConsumers via @cnbc.com www.cnbc.com/2025/12/29/s...
And pull your #CreditReport to make sure it’s correct. #ProtectConsumers via @cnbc.com www.cnbc.com/2025/12/29/s...
Your past-due student loans can make it harder to rent an apartment. These 5 tips can help
If you've fallen behind on your student loans, it may be more challenging to get a property manager to approve you for rental housing, financial experts say.
www.cnbc.com
December 29, 2025 at 4:56 PM
If you feel you’ve been rejected for a rental unit that you can in fact afford, consider reaching out to the landlord and politely questioning their decision.
And pull your #CreditReport to make sure it’s correct. #ProtectConsumers via @cnbc.com www.cnbc.com/2025/12/29/s...
And pull your #CreditReport to make sure it’s correct. #ProtectConsumers via @cnbc.com www.cnbc.com/2025/12/29/s...
Debt settlement doesn't work. @coffeezilla.bsky.social excellent new video explains why.
Exposing a $10,000,000,000 Debt Industry
YouTube video by Coffeezilla
youtu.be
December 23, 2025 at 7:55 PM
Debt settlement doesn't work. @coffeezilla.bsky.social excellent new video explains why.
Earned wage payday loans are loans, and just like traditional payday loans they trap consumers in a cycle of debt. Just because the CFPB says loans are not loans doesn’t make them safe for people living paycheck to paycheck - NCLC's Lauren Saunders
www.nclc.org/earned-wage-...
www.nclc.org/earned-wage-...
Earned Wage Payday Loans are Loans, Despite CFPB’s Claim
Courts Have Unanimously Rejected Claims that Payday Loan Apps Do Not Offer Loans and That Their Fees Are Not Finance Charges WASHINGTON – The advisory opinion issued today by the Consumer Financial Pr...
www.nclc.org
December 22, 2025 at 3:25 PM
Earned wage payday loans are loans, and just like traditional payday loans they trap consumers in a cycle of debt. Just because the CFPB says loans are not loans doesn’t make them safe for people living paycheck to paycheck - NCLC's Lauren Saunders
www.nclc.org/earned-wage-...
www.nclc.org/earned-wage-...
Hochul has until 𝐭𝐨𝐧𝐢𝐠𝐡𝐭 to sign the bill. But advocates worry it won’t get done, and fear the financial industry is stalling to alter the bill. #ProtectConsumers #DV
December 19, 2025 at 8:43 PM
Hochul has until 𝐭𝐨𝐧𝐢𝐠𝐡𝐭 to sign the bill. But advocates worry it won’t get done, and fear the financial industry is stalling to alter the bill. #ProtectConsumers #DV
Reposted by National Consumer Law Center
A recent report from @harvard.edu shows that the odds of surviving cancer drop drastically when the patient's #CreditScore dips. This harrowing data demonstrates the importance of keeping #MedicalDebt off credit reports, as proposed by the DC Council. news.harvard.edu/gazette/stor....
Odds of surviving cancer drop drastically when credit score dips — Harvard Gazette
Study explores links between financial stress and mortality risk.
news.harvard.edu
December 19, 2025 at 3:02 PM
A recent report from @harvard.edu shows that the odds of surviving cancer drop drastically when the patient's #CreditScore dips. This harrowing data demonstrates the importance of keeping #MedicalDebt off credit reports, as proposed by the DC Council. news.harvard.edu/gazette/stor....