NCL supports CFPB’s proposal to remove medical debt from credit reports

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September 28, 2023

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

Washington, DC – The National Consumers League (NCL) supports the bold proposal from the Consumer Financial Protection Bureau (CFPB) to remove medical bills from Americans’ credit reports.

According to a CFPB report released in March 2022, $88 billion of outstanding medical bills are currently in collections—affecting one in five Americans. Medical debt constitutes a majority (57 percent) of all collections on credit reports.

“This proposal will help families financially recover from medical crises and prevent debt collectors from coercing people into paying bills they may not even owe,” said Sally Greenberg, CEO of the NCL. “It will ensure that creditors are not relying on data that is often plagued with inaccuracies and mistakes.”

Approximately 20 percent of Americans report having medical debt, according to the March 2022 report, but previous research by the CFPB shows that consumers with medical debt generally paid back their loans or bills at the same rate as consumers with higher credit scores.

If finalized, the CFPB proposal will do the following:

  • Remove medical bills from consumers’ credit reports: Consumer reporting companies would be prohibited from including medical debts and collection information on consumer reports that creditors use in making underwriting decisions.
  • Stop creditors from relying on medical bills for underwriting decisions: The proposal would narrow the 2005 exception and prohibit creditors from using medical collections information when evaluating borrowers’ credit applications.
  • Stop coercive collection practices: As unpaid medical bills would no longer appear on consumers’ credit reports used by creditors in making underwriting decisions, debt collectors would no longer be able to use the credit reporting system as leverage to pressure consumers into paying questionable debts.

Greenberg added, “Medical debt is not caused by profligate spending. Americans incur this debt because of emergencies or because they are uninsured or underinsured. We believe that this proposed rule will allow consumers weighed down by medical debt through no fault of their own and help them to restore their access to sustainable credit.”

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

 

NCL stands with Swifties in testimony before Congress

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September 27, 2023

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

WASHINGTON, DC – Testifying before a Congressional committee, the National Consumers League (NCL) today urged support for comprehensive ticketing reform legislation to fix a “rigged” live event industry. NCL, America’s oldest consumer and worker advocacy organization, described how the November 2022 meltdown of Ticketmaster’s ticketing system during the on-sale for Taylor Swift’s Era’s Tour exposed the “ugly underbelly” of the industry.

“There has never been a better time to reform live event ticketing,” said John Breyault, NCL’s Vice President for Public Policy, Telecommunications, and Fraud. “While the Taylor Swift meltdown may have been an anomaly, it exposed the ugly underbelly of a live event industry that is rigged to maximize profits for a select few and frustration for everyone else.”

Of the three event ticketing bills considered by the subcommittee, Breyault called the “BOSS and SWIFT ACT of 2023,” sponsored by Representatives Bill Pascrell (D-NJ9), Frank Pallone (D-NJ6), Julia Brownley (D-CA26), and Delegate Eleanor Holmes Norton (D-DC) “the single most comprehensive pro-fan and pro-competition ticketing legislation before Congress.” NCL supports the BOSS and SWIFT ACT because it includes a range of ticket industry reforms, including requiring better disclosure of ticket refund policies, shedding daylight on ticket “holdbacks” that siphon tickets away from the average fan, clamping down on unauthorized speculative ticket sales, and helping protect consumers from Ticketmaster’s anti-competitive efforts to extend its monopoly into the secondary ticket market.

NCL also voiced support for two other ticketing bills: Representatives Gus Bilirakis’ (R-FL12) and Jan Schakowsky’s (D-IL9) TICKET ACT, which would mandate all-in pricing of tickets and better disclosure of speculative ticket sales, as well as draft legislation that would ban speculative ticketing outright, while carving out ticket-buying services.

In addition to the ticketing bills, NCL testified in support of Representative David Valadao’s (D-CA22) Online Dating Safety Act of 2023 which would notify users of online dating apps that someone they messaged on the app was banned; Representative Young Kim’s (R-CA40) No Hidden Fees on Extra Expenses for Stays Act, which would mandate all-in pricing in the hotel and short-term lodging industries; and Representative Lisa McClain’s (R-MI9) and Representative Mary Peltola’s (D-AK) WIPPES Act, which would require manufacturers of cleaning wipes to label their cleaning wipes as non-flushable in order to protect wastewater infrastructure and consumers’ plumbing systems from damage.

NCL’s written testimony is available here.

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

NCL supports updated merger guidelines

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September 20, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, D.C. – The National Consumers League sent a letter in support of the draft merger guidelines that the U.S. Department of Justice  and the Federal Trade Commission proposed in July of this year. The guidelines reflect an approach to antitrust enforcement that is grounded in statute and judicial precedent and are a significant improvement from the narrower focus of previous enforcement regimes. By centering market competition as the goal of antitrust law, the DOJ and FTC can appropriately act to protect consumers and workers when mergers pose a threat to the public. 

The full letter can be found here.

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

NCL applauds FDA for its latest decision to approve an updated COVID-19 vaccine

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September 11, 2023

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

Washington, DC – The NCL applauds the FDA’s announcement approving the latest COVID vaccine, which will be available to many Americans immediately or very soon to patients who are eligible.

The Centers for Disease Control and Prevention recorded 9,000 COVID-19 hospital admissions in the week ending July 29, a 12.5-percent increase from the week before. While that’s far below the nearly 45,000 admissions recorded the same week a year ago, the new vaccine is nevertheless is welcome and much needed to keep COVID and its new variants in check. The percentage of emergency department patients diagnosed with COVID-19 has risen gradually in July.

National Consumers League urges Ticketmaster to refund Springsteen fans

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September 11, 2023

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

WASHINGTON, D.C. – The National Consumers League (“NCL”) today urged Ticketmaster to immediately offer refunds to fans who purchased tickets to Bruce Springsteen’s postponed concerts. Due to illness, the rock icon recently announced indefinite postponements of the remainder of the concerts currently scheduled for September. According to Ticketmaster’s Purchase Policy, consumers will only be able to obtain refunds when the postponed concerts are rescheduled for a date to be determined.

The following statement is attributable to NCL Chief Executive Officer, Sally Greenberg:

“Like millions of other fans, our best wishes go out to Bruce Springsteen in light of his pressing medical issues, and we wish him a speedy recovery. Throughout his career, he has put his fans first. However, given the announcement that multiple upcoming concerts have been postponed to a date to be determined, we are concerned that consumers are not being given the option by Ticketmaster to obtain refunds for their tickets. Due to Ticketmaster’s policies, millions of dollars in fans’ funds are stuck in limbo, potentially for months or even longer.

We understand that many of Springsteen’s fans may opt to hold onto their tickets and will plan to see The Boss when his concerts are rescheduled. Until then, Ticketmaster will almost certainly be earning interest on fans’ funds that are locked up due to the company’s refund policy. Essentially, due to its policies, Ticketmaster is forcing fans to give the company an interest-free loan for an indeterminate period. It is a bedrock consumer protection principle that when a consumer does not get a product she paid for, a prompt refund should be issued. Ticketmaster should give consumers the option to immediately obtain refunds not just for Bruce Springsteen’s concerts, but for all postponed events going forward.”

 

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

NCL urges Senate committee to pass the College for All Act

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August 28, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, D.C. – Today, the National Consumers League (NCL) urged the U.S. Senate Committee on Finance to favorably report the College for All Act of 2023.

” The National Consumers League1 (NCL) urges the U.S. Senate Committee on Finance to favorably report S.1963, or the College for All Act of 2023, without delay. The College for All Act would transform the nation’s system of higher education by allowing millions of students to pursue college degrees that they otherwise could not afford. Additionally, it would prevent student debt from continuing to burden future attendees of higher learning, a significant issue currently affecting graduates, individuals with partial educational attainment, and parents of students.” 

The full letter can be found here.

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

National Consumers League response to the Request for Information regarding FDA regulation of CBD

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August 25, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, D.C. – On August 17, the National Consumers League responded to the Request for Information regarding FDA-Regulation of CBD.

“In 2019, in response to the proliferation of unreviewed and untested CBD products, NCL identified the need for greater education among consumers about CBD and better enforcement of regulations in the CBD marketplace. NCL created Consumers for Safe CBD to address the need, champion the rights of consumers, and call on government and industry to do better – to ensure safety and promote a pathway for new products through clinically tested scientific research. Since then, action has been taken on the state and federal levels to increase access to cannabinoids beyond CBD. In response, NCL expanded our educational campaign and established Cannabis Consumer Watch.” 

The full letter can be found here.

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

NCL sends letter to Illinois Attorney General on mass arbitration

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August 18, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, D.C. – The National Consumers League sent a letter to Illinois Attorney General Kwame Raoul on the practice of mass arbitration. NCL CEO Sally Greenberg urged the office to look into these issues to avoid denying consumers the redress and remedies to which they are entitled under the law and further delays in justice and accountability.

The full letter can be found here.

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

National Consumers League supports the SAG-AFTRA strike

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August 4, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, D.C. – The National Consumers League supports the SAG-AFTRA nationwide strike announced on July 14, 2023 against the Alliance of Motion Picture and Television Producers. After a union wide vote authorized the strike with 97.7% voting yes, more than 150,000 movie, theater, and streaming actors have gone on strike.  AMPTP represents over 350 American television and film production companies, including Paramount Pictures, Sony Pictures, Universal Pictures, Walt Disney Studios, Warner Bros, ABC, CBS, FOX, NBC, Netflix, Apple TV+, and Amazon.

SAG-AFTRA President Fran Drescher has been outspoken about the union’s frustration with the studios and networks.  “The Association of Motion Picture and Television Producers’ (AMPTP) responses to the union’s most important proposals have been insulting and disrespectful of our massive contributions to this industry,” Drescher and chief negotiator Duncan Crabtree-Ireland have said.

The strike started after negotiations with AMPTP failed, despite SAG-AFTRA’s very reasonable demands:

  • Residual payments from streaming services based on viewership numbers
  • Streaming services won’t release statistics on streaming numbers to the union.
  • Protections and restitution for studios using Artificial Intelligence to reproduce an actor’s likeness
  • More regulation on “Self Taped Auditions” in which actors film their own auditions instead of within a casting studio. SAG-AFTRA says this creates an unfair burden being placed on actors
  • Increased contributions to pension, health and welfare funds.
  • Increased pay across the board and a living wage for those who work in the industry.

This strike coincides with the Writers Guild of America’s strike against the AMPTP; NCL also supports that group of writers who are striking. This marks the first time in 63 years that that both of these major unions have been forced to simultaneously go on strike.

The issues facing SAG-AFTRA and the Writers Guild of America are almost identical: workers in this industry have seen their pay slowly diminished by inflation during the last several years, they face a reduction in residuals, less working time for shows, and the threat of artificial intelligence to replace actual writers and editors.

Sally Greenberg, NCL’s CEO, explained the reason for her organization’s support. “We have always been pro worker and this strike is no exception, except that the disparity in pay between industry executives and performers is more shocking than ever. Disney CEO Bob Iger’s board of directors handed him a two-year $27-million-per-year contract extension the day before the vote. Other studio executives make many millions as well, and yet they expect performers and writers in the industry – whose creativity is responsible for the success of these shows – to work for diminishing salaries and reduced benefits such that many cannot earn a living wage. The AMPTP refuses to even consider ideas like a plan for actors to participate in streaming revenue, for example.”

NCL also recognizes the strong solidarity that these striking performers have shown. For weeks, hundreds have kept the picket lines active at major AMPTP locations. Several major Hollywood SAG-AFTRA members have given generous donations in the millions to support striking performers who may not be able to afford rent or food due being shut out of their occupation by the AMPTP. Some of these individuals include Leonardo DiCaprio, Nicole Kidman, Dwayne Johnson, Arnold Schwarzenegger, and Matt Damon.

We also include below the statement of AFL-CIO President Liz Shuler in support of the performers represented by SAG-AFTRA.

AFL-CIO Statement on SAG-AFTRA

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

National Consumers League mourns death of Jon Cuneo

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July 27, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, D.C. – The National Consumers League’s Board of Directors and Staff is deeply saddened by the untimely death of anti-trust lawyer and consumer advocate Jonathan Cuneo. Jon practiced with the firm of Cuneo Gilbert & LaDuca, LLP in Washington DC with copartners Pamela Gilbert, herself a consumer advocate who currently serves on NCL’s Board of Directors, and Charles LaDuca.

“Jon’s reputation as a top notch litigator and consumer, worker and anti-trust lawyer was second to none. NCL counted Jon Cuneo as a close friend, supporter and ally in the fight for a better world for workers and consumers,” said Sally Greenberg and Joan Bray, NCL’s CEO and NCL Board Chair Joan Bray.

Jon served as Washington counsel in the first case to challenge the “Joe Camel” cigarette advertising campaign targeting young people to take up smoking, he took on Prudential Insurance Company for abusing policyholders through deceptive sales practices, and won a landmark case establishing the principle that “labels matter” under California’s Unfair Competition and False Advertising laws and is now a landmark of American law.

On the privacy front, Jon led the ligation against Metromail for privacy violations surrounding supermarket questionnaires. After a woman in Ohio received a sexually suggestive letter from a maximum security inmate in Texas, it came to light that the company had subcontracted for Texas prisoners to “key” the questionnaire information. The firm was able to secure injunctive relief, and a cash pool of $15 million was made available to victims.

“Jon’s extraordinary legal career includes many more cases than we can recount here. He was also a kind and generous colleague, father and husband. He and his wife also held legendary annual holiday party, an invitation to which was much coveted in Washington. Our sincere condolences go out to his family, law firm partners and the many people whose lives were touched by Jon Cuneo,” said Greenberg and Bray.

 

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.