National Consumer Law Center records, 1969-2015 | Morse Department of Special Collections

By Paul Thomsen

Collection Overview

Title: National Consumer Law Center records, 1969-2015

Primary Creator: National Consumer Law Center (1969-)

Extent: 40.5 Linear Feet

Arrangement: The records have been arranged into five series: Administrative Files; Standing and Advisory Committee Files; General Files (Washington); Advocacy and Conference Files (Massachusetts Office); and Research Materials. The addition recieved in 2015 added on to the previous series and 3 additional series were added: NCLC Reports, Media, and Printed Materials. A final additional series, Digital Files, was added in 2017 after being received in March of 2016.

Date Acquired: 00/00/2008

Scope and Contents of the Materials

The National Consumer Law Center (NCLC) Records (1968-2015) consists primarily of administrative files, case files, research material, and inter-office memoranda in defense of individuals and small groups against unfair corporate practices and inefficient government oversight. Covering many aspects of twentieth century consumer movement history, these records shed light on the role of a non-profit organization in advocating fairness on behalf of low income individuals against corporate practices, the development of protective consumer-oriented state and federal legislation, and their assistance in providing research, analysis, and experience to other non-profit entities working across the nation.

The Original Files Series, spanning ten boxes in the original collection and an additional one in the addition making eleven in total, gathers into an assortment of NCLC internal memoranda, staff reports, manuals, organizational policy statements, testimonies before state and federal congressional houses and consumer print matter bibliographies. The series also contains material from outside sources, including class action suits, banking, housing, lending and layaway plans of various institutions, debt collection credit rates, laws and individual practices, proposed federal trade regulations, and scams involving vocational schools, and various Universal Consumer Credit Code reports.

Likewise, some individual files contain published articles on subjects of on-going interest to the organization, including Gary Klein’s “Consumer Bankruptcy in the balance: The National Bankruptcy Review Commission’s Recommendations Tilt Toward Creditors” and William Willier’s “If Credit Reporting Agencies are Doing Their Jobs, Is There Really Any need for Collecting Agencies.” Where possible, the original organizational file structure of numerical case files has been retained as a contiguous unit.

The Standing and Advisory Committee Files Series is comprised of two boxes of material arranged in chronological order, which contain internal reports on regularly scheduled committee meetings (beginning in December 1998 and running into the twenty-first century) to address issues affecting the staff of NCLC, including budgetary allocations as well as office and personnel issues. The documents also cover issues relating to the Social and Unity Committees, changes to the internal database, and the role of a staff ombudsperson.

The General Files (Washington, D.C. Office) Series consists of one box, collecting in chronological order documentation on consumer affairs lobbying efforts at the organization’s Washington office, including correspondence, public statements, and newsletters. Some of the issues covered in the files include state oil overcharge allocation decisions involving Exxon, the Low-Income Home Energy Assistance Program, the Coalition on Human Needs, and the proposed re-regulation of interest rates.

The Advocacy and Conference Files (Massachusetts Office) Series spans seven boxes (five are from the original collection while two are from the addition) of material arranged in chronological order and by subject pertaining to material used in NCLC’s annual consumer affairs conferences, including reports on consumer fraud laws, advocacy highlight reports, market failures and predatory lenders, specialist training in consumer affairs as well as consumer manuals and several issues of the Legal Service Corporation Quarterly Report.

The Research Materials Series covers nine boxes of primary source and reference material amassed by NCLC as background for several on-going projects. Some items include different versions of the Fair Debt Collection Practices Act, correspondence with the Federal Trade Commission, VHS tapes of news segments on family loan programs and predatory mortgage lending, bank creditor surveys, savings and loan and insurance packing cases, reports on changes to credit rates and regulations in the 1970s and 1980s, analyses of different Truth-in-Lending Act iterations, court files relating to the Fair Debt Collection Practices Act, and comments on different drafts of the Uniform Consumer Credit Code. Where possible, the original organizational file structure of numerical case files has been retained as a contiguous unit. Those segments of the series which do not possess case numbers have been arranged chronologically by subject.

The NCLC Reports series, added for the purposes of the 2015 addition, consists of one box containing numerous reports officially published by the NCLC on a variety of topics (such as consumer credit, usury, bankruptcy, debt collection, foreclosure, and others of NCLC interest). The dates of these reports range from 1982 to 2013. These reports cover cases that fall in the realm of consumer law and provide teaching tips for consumer rights advocates.

The Media Series, added for the purposes of the 2015 addition, spans one box and covers the chronological span of 1983 to 2006. This series consists of press releases and articles from various media sources (such as journals, newspapers, magazines, and online sources) that make mention of the NCLC and its work, often commenting on cases undertaken by the organization or its publications.

The Printed Materials Series is in one box and contain materials which are published and bound, consisting of publications that span numerous topics and include law journals, Congressional hearings, and bound publications by the NCLC and staff.

The Digital Files Series, added to the collection in 2017, contains 10 digital folders of information pertaining to NCLC. The first two folders include HTML data files from the NCLC website from 2002 and 2016 including many records, and published material for consumers. The third folder contains PDF and Word documents of amicus briefings and the sixth folder contains information from the fair debt collection practices act. Several folders, 4, 5, 8, and 9, contain information in regards to NCLC conferences, press releases, reports, and brochures. Folder seven pertains to mortgage conferences held in 2012, 2014, and 2015 and folder ten includes documentation from webinars given by NCLC staff and personnel from 2009-2015.

Biographical Note

1969 The National Consumer Law Center is founded at the Boston College School of Law 1969-Present Advocated for fairness in the Uniform Consumer Credit code 1969-Present Advocated on behalf of the Truth-in-Lending Act and subsequent revisions as applied to the poor and middle-income families in several states

1972 Participated in the trial of Fuentes v Shevin, asserting unconstitutionality of the Uniform Commercial Code 1972 Participated in the trial of Swarb v Lennox, arguing that Philadelphia business actions violated the right to "due process"

1974 Shaped the implementation of the Equal Credit Opportunity Act

1974 Lobbied for the creation of the Low-Income Home Energy Assistance Program

1976 Lobbied the Federal Trade Commission to retract a statement on Enforcement Policy, which opened consumers to lender exploitation

1978 Aided in the passage of the Fair Debt Collection Practices Act. 1980s Advised on the application of the Unfair and Deceptive Practices Acts (UDPA), including the Fair Debt Collection Practices Act (1978, 1986) 1984 March Robert Erwin Offered testimony before the United States Congress Banking, Housing, and Urban Affairs committee on Bill S.2181

1987 Actively opposed the "Depository Institution Deregulation and Monetary Control Act"

1989 Queried the Federal Home Loan Bank Board on regulations concerning time shares

1990 Lobbied for the creation of the Low Income Weatherization Assistance Program (WAP)

1990 NCLC presented the Vern Countryman Consumer Law Award to Henry J. Sommers for "leadership in promoting the field of consumer law." The annual award was given to a legal service or public interest attorney who provided a special contribution to the practice of consumer law on behalf of the rights of low-income Americans.

1994 Advised the Federal Trade Commission on the Home Ownership and Equity Protection Act 1996-Present Participated in the enforcement of Federal Reserve System Regulation Z of the Truth-in-Lending Act

1996 Shaped the implementation of an electronic payment of funds system by employers

1996 Argued on behalf of Dorothy McFarland in McFarland v. Southern Division Credit Union, regarding alleged improper loan/debt disclosure.

1997 Offered testimony before the United States Congress on behalf of the Regulatory Relief and Economic Efficiency Act

1999 Began Sustainable Homeownership Group Projects to combat high rate lending abuses

2000 Organized the Consumer Rights Litigation Conference, Broomfield, CO

2000 Organized an ongoing initiative focusing on the providing of affordable low-income access to private energy and public utilities services

2001 Organized the Consumer Rights Litigation Conference, Baltimore, MD

2002 Organized the Consumer Rights Litigation Conference, Atlanta, Georgia

2003 Organized the Consumer Rights Litigation Conference Oakland, CA

2004 Organized the Consumer Rights Litigation Conference Boston, MA

2005 Organized the Consumer Rights Litigation Conference Minneapolis, MN

2006 Organized the Consumer rights and Litigation Conference Miami

2007 Organized the Consumer Rights Litigation Conference, Washington, D.C

2008 After raising $5.5 million over a three year Building for Marketplace Justice Campaign NCLC moves into an 1870s apartment building on the corner of Summer Street and Otis Street in Boston's financial district

2009 Organized the Consumer Rights Litigation Conference and Consumer Class Action Symposium 2009 Organized the Fair Debt Collection Training Conference in San Diego, CA

Administrative Information

Repository: Morse Department of Special Collections

Access Restrictions: No restrictions.

Use Restrictions: The researcher assumes full responsibility for observing all copyright, property, and libel laws as they apply.

Acquisition Source: Willard P. Ogburn, Executive Director of NCLC

Acquisition Method: Donation.

Appraisal Information: In 2008, the Richard L. D. and Marjorie J. Morse Department of Special Collections at Hale Library, Kansas State University, became the official repository for the historical records (1968-2003) of the National Consumer Law Center (NCLC). Willard P. Ogburn, Executive Director of NCLC, and Anthony R. Crawford, University Archivist/Curator of Manuscripts of the Morse Department of Special Collections, coordinated the arrangements for this cooperative agreement. As part of the Consumer Movement Archives, the papers provide a subject-based and legal context to over thirty years of the Boston and Washington, D.C. based organization’s national non-profit activities on behalf of low-income consumers seeking economic justice.

Preferred Citation: National Consumer Law Center Records, Morse Department of Special Collections, Kansas State University Libraries.

Processing Information:

Processing by Paul Thomsen.

Archon processing by Edward Nagurny, graduate research assistant, May 2015.

The collection was assigned the acession number P2008.04.

Box and Folder Listing

Browse by Series:

[Series 1: Original Files],
[Series 2: Standing and Advisory Committee Files],
[Series 3: General Files (Washington, D.C. Office)],
[Series 4: Advocacy and Conference Files (Massachusetts Office)],
[Series 5: Research Materials],
[Series 6: NCLC Reports],
[Series 7: Media],
[Series 8: Printed Materials],
[[information restricted]],
[All]

Series 1: Original Files

Box 1

Folder 1: "What Should Be the Role of Banking and Bankers in the Consumer Movement" (025.025)
Folder 2: ML Comments to the Senate Committee on Banking Opposing SB 1664 Now Accounts (025.030)
Folder 3: Hesse before Bankruptcy Commission, Statement (027.125)
Folder 4: "RAH Statement before Subcommittee on Improvements in Judicial Machinery, U.S. Senate (A027.130)
Folder 5: Alternative Solutions (A027.135)
Folder 6: In re Barlick, In re Cambpell (027.140)
Folder 7: Sarason on Bankruptcy (027.145)
Folder 8: ES In re Roach Amicus Curiae Brief (027.146), 1987
Folder 9: BS JR In re Cynthia Kay Shaffer Capitol Credit Plan v. Cynthia Kay Shafer (027.147)
Folder 10: Johnson vs Home State Bank (027.148)
Folder 11: Self-representation in Banking
Folder 12: Dewsnup (027.147A)
Folder 13: GK Statement (027.149)
Folder 14: GK Taylor v. Kronz. Amicus Brief in Support of Respondents (027.150)
Folder 15: "Means Tested Bankruptcy" University of Memphis Law Review
Folder 16: "Gary Klein, "Consumer Bankruptcy in the Balance: The National Bankruptcy Review Commission's Recommendations Tilt Toward Creditors" American Bankruptcy Institute Law Review
Folder 17: GK Rake v. Wade Amicus Brief in Support of Petitioner (027.151), 1993
Folder 18: GK Nobleman v. American Savings Bank Amicus Brief in Support of Petitioner (027.152), 1993
Folder 19: South Division v. Dorothy McFarland(027.153)
Folder 20: R. Alpert Class Action Mannual (036.100)
Folder 21: The Eckhardt-Tydings Class Action Proposal (A036.150)
Folder 22: Brief in Anthony and Lockerbie v. General Motors (A036.250)
Folder 23: Consumer Class Action Legislation (A036.310)
Folder 24: Class Action Proposal (036.355)
Folder 25: Sales Pitch for Eckhardt-Tyding Class Action Bill (036.355)
Folder 26: Gordin Statement: Consumer Class Action Legislation (036.360)
Folder 27: Survey of Cases and Class Actions, MAC (A036.365)
Folder 28: Testimony of Professor Paul G. Garrity (A036.380)
Folder 29: Klemov vs. Time, Inc. (A036.701)
Folder 30: Class Actions #278 (A036.750), 1977
Folder 31: Consumer Class Action Materials (036.800)
Folder 32: Community Action Bibliography (A044.501)
Folder 33: Consumer Law Bibliography (A044.550)
Folder 34: Consumer Pamphlets (A044.655)
Folder 35: Pamphlet Corrections (A044.656)

Box 2

Folder 1: Gordin on Maine Legislation (045.100)
Folder 2: Fuentes v. Faircloth (045.110)
Folder 3: Fuentes v. Shevin (045.115)
Folder 4: Budnitz, Mark. Due Process in Consumer Cases: Fuentes v. Shevin (045.116)
Folder 5: Fed No Fault Insurance
Folder 6: Mitchell v. W.T. Grant . Petitioner's Reply (045.122)
Folder 7: Willier (A046.125)
Folder 8: Nowlin v. Professional Auto Sales. Opening Brief (045.150)
Folder 9: Lawrence Mitchell v. W.T. Grant Co. (045.125)
Folder 10: Mitchell v. W.T. Grant on Writ of Cert to Supreme Court of Louisiana (045.126)
Folder 11: Adams v. Southern California (A045.130)
Folder 12: Gibbs v. Commonweath of PA Amicus Curiae Brief (045.140)
Folder 13: Jackson v. Metropolitan Edison (A045.190)
Folder 14: Parmet, W. National Consumer Law Center "Due Process 'Hotline'" (045.200)
Folder 15: Due Process Hotline (A45.201), 1978, 1979
Folder 16: Due Process Hotline (045.202)
Folder 17: Index to Consumer Services (A046.050)
Folder 18: Problems of Poor Consumers (A046.280)
Folder 19: WFW If Consumer Advocates Could Have Everything They Wanted, What Would They Want? (046.300)
Folder 20: Hesse remarks to National Conference for State, County and City Consumer Office Administrators (046.340)
Folder 21: WFW Consumer Legislation (046.350)
Folder 22: Gordin Press Release (A047.050)
Folder 23: Gordin on H.R.14, 15, 16 (A47.100)
Folder 24: Gordin-Supplemental Statement (A047.101)
Folder 25: Statement for the Record of G.G. Jr. (A047.102)
Folder 26: Model Local Ordinance Commentary (047.175)
Folder 27: Consumer Protection and Corporate Responsibility (047.200)
Folder 28: Consumer Grievances (047.204)
Folder 29: Consumer Protection Issues in the Sale of Variable Rate Mortgages (047.206)
Folder 30: Staff and Subcontract Reports IX
Folder 31: Expense Vouchers (047.300)
Folder 32: Ken Mickens, Second Mortgages and Home Improvements a Dangerous Escalation, Clearinghouse Review (054.000), June 1983
Folder 33: Schick Statement on Credit (A054.350)
Folder 34: Statement of BCS Before Subcommittee on Consumer Affairs of US Hourse Banking and Currency Committee on the Need for Increased Regulation (054.356)
Folder 35: Leymaster Speech at California Retain Advisory Committee on Retention of Retail Credit Usury Ceiling (A054.360)
Folder 36: Leymaster, "Private Accoundability for All the Results of Deregulation," The Business Lawyer (054.361), 1982
Folder 37: Consumer Credit Outline (054.310)
Folder 38: Willier-Consumer Credit (054.325)
Folder 39: Brian Glassman, Consumer Remedies Under Layaway Plans (054.400)
Folder 40: Gregory v. Atlantic Permanent Federal Savings and Loan Association Amicus Curiae Brief (054.453), 1985
Folder 41: KK RJH MS GK. Testimony before the Senate Committee on Banking, Housing and Urban Affairs (054.455)
Folder 42: Home Equity Scams: Background Material (054.454)
Folder 43: ES Pioneer Credit Co. v Dollie M. Reed (054.456)
Folder 44: Statement on Proposed TRR on Credit Practices (065.150), 1975
Folder 45: Application of the NCLC for Compensation for Participation in the Rule Making Proceeding for the proposed Trade Regulation on Credit Practices (065.155)
Folder 46: Repossession and Article Nine Outline (065.160)
Folder 47: Summary of Consumer Law Specialists' Reports on Consumer Credit Contract Practices, Surveyed for the Federal Trade Commission (065.160)
Folder 48: G. Wallace "FTC Testimony" Monograph (065.162)

Box 3

Folder 1: Rebuttal of NCLC on Credit Practices Rules (065.165), 1978
Folder 2: FTC Rebuttal- Credit Practices Rile, Exhibits 1-15 (065.165), 1978
Folder 3: FTC Rebuttal- Robert Hobbs (065.165)
Folder 4: FTC Rebuttal- Credit Practices Rule, Technical Appendix (065.165), 1978
Folder 5: Comments on Staff Report and Presiding Officer's Reports (065.200)
Folder 6: Robert Hobbs Proceeding for the Promulgation of a TRR Concerning Credit Practices (065.205)
Folder 7: American Financial Services Association v FTC on Petition for Review of a Rule of the Federal Trade Commission (065.208)
Folder 8: Robert Hobbs and Ian and Waal, Comments before the Federal Reserve Board on the Proposed Amendment to Regulate in the Proceeding for the Promulgation of a TRRCFT Pt 277 Concerning Credit Practices (065.209)
Folder 9: Comments to the Federal Home Loan Bank Board on Proposed 13 CFR Part 535 (065.210)
Folder 10: Willier, "The Fair Credit Reporting Act: What's an Attorney to Do?" (0A66.320)
Folder 11: William Willier, "If Credit Reporting Agencies are Doing Their Jobs, Is There Really Any Need for Collecting Agencies?" (A066.325)
Folder 12: Willier, Testimony (A066.330)
Folder 13: Article Eight, Credit Reporting Agencies (A066.331)
Folder 14: Supplemental Statement of the NCLC to the FTC Concernig the Proposed Interpretations of the FCRA by the FTC (066.332)
Folder 15: Wendy Schiler Testimony Before the Subcommittee on Consumer Affairs of the Committee on Banking, Housing, and Urban Affairs (066.350)
Folder 16: Schiller Testimony (066.350)
Folder 17: Debt Collection Agencies, Press Release (071.050)
Folder 18: Collection Questionaire, Original and Elbrecht Comments (A071.051)
Folder 19: Debt Collection (071.055)
Folder 20: Blair Shick, Statement on Collection Practices (A071.060)
Folder 21: Shick, FTC Statement (071.065)
Folder 22: "Debt Collection" Pheonix Speech
Folder 23: Subcommittee on Banking, Housing and Urban Affairs (071.175)
Folder 24: A Primer on General Law Applicable to Abusive, Unfair, and Harassing Collection Practices (071.176)
Folder 25: Debt Collection Act Article (A071.200)
Folder 26: Hobbs Statement on Debt Collection (A071.210)
Folder 27: In The Matter of GC Services Corp. et. al. Docket Number C-2511 (071.215)
Folder 28: Comment of the NCLC on the Proposed Official FTC Staff Commentary on the FDCPA filed on Behalf of Certain Low Income Clients (071.216)
Folder 29: FDC Inserts Use to Proof (071.217)
Folder 30: Testimony Before the Subcommittee on Consumer Affairs and Coinage Regarding Oversight of the Fair Debt Collection Practices Act (071.218)
Folder 31: Heinz v. Jenkins (072.219)
Folder 32: Consumer Rights Under Mass Deceptive Sales Act (obsolete) (A072.330)
Folder 33: Position of the NCLC Concerning the Uniform Sales Practices Act (A072.370)
Folder 34: Comments on UCSPA (072.375), 1970
Folder 35: E. Sarason, Brief of Mass Tenants Organization (Amicus) Leardi v. Brown (072.385)

Box 4

Folder 1: Swarb v. Lennox, Original (075.190), June 1971
Folder 2: Robert Hobbs Request for Retraction and Reconsideration (075.458)
Folder 3: Hobbs Rebuttal to FTC (A075.560)
Folder 4: Hobbs Statement (A075.610)
Folder 5: Hobbs, Comment to FTC (A075.615)
Folder 6: Hobbs Letter Opposing Legislation Effectively Abolishing the FTC Holder in Due Course Rule (S.642) (075.562)
Folder 7: Kass on Holder in Due Course (075.505)
Folder 8: Mooney on Holder in Due Course (A075.510)
Folder 9: Gordon on Holder in Due Course (A075.530)
Folder 10: Public Utilities-Chapter Handbook (A075.546)
Folder 11: Hobbs on Amendment to TRR (A075.547)
Folder 12: "Preservation of Buyers Claims and Defense in Consumer Installment Sales" William Willier Testimony to FTC (075.545), 1971
Folder 13: NCLC Comment: FTC Holder Amendment Staff and Presiding Officer Reports (075.549)
Folder 14: Regulatory Flexibility Act Review (075.617)
Folder 15: Firmin Statement before DC City Council on Deficiency Judgment (078.500)
Folder 16: Budnitz, Adams, and Taubman Statement on Equal Credit Regulations (A80.010)
Folder 17: "Access to Credit" (090.001)
Folder 18: Senior Consumer Alert Bulletins (090.002), 1989-1995
Folder 19: Consumer Problems with Home Equity Scams, Second Mortgages and Home Equity Lines of Credit Prepared by AARP (090.003)
Folder 20: Access to Credit: Special Problems of the Elderly (090.004)
Folder 21: "Borrowing Against Your Home" (090.005)
Folder 22: DC Training Problem and Outlines (091.003)
Folder 23: Mark Budnitz Supplemental Statement to NCEFT on EFT in Response to Questions Regarding Reversibility (091.004)
Folder 24: Mark Leymaster Comments to the Board of Governors of the FR on Regulation E Amendments, Consumer Electronic Fund Transfers (091.010)
Folder 25: Transfer Act (Leymaster 3/79) (A091.015)
Folder 26: Statement of NCLC to the US Commission on Social Security Meeting in Boston, MA, 11/2/79 (A091.20)
Folder 27: Leymaster, EFT Part I (091.030)
Folder 28: Leymaster- EFT Article Part II (091.035)
Folder 29: Comments on Regulation E to FRB (091.050)
Folder 30: Comments to FRB on Docket R-0520 Revisions in Regulation E (091.051)
Folder 31: Mark Leymaster, The Electronic Fun Transfer Card, Consumer Rights and Liabilities (091.045)
Folder 32: Automobile Insurance "Subsidies" Phase II Report, 1981
Folder 33: Gordin on Proposed Changes to FCC (A096.403)
Folder 34: Statement on Regulation Z (A096.500)
Folder 35: ABCD Drafts (A096.500)
Folder 36: Robert Hobbs Statement Regarding RESPA to Federal Reserve Board (096.501)
Folder 37: Request for Formal Hearing (A096.550)
Folder 38: Swenson- FTCA (A096.802)
Folder 39: Hobbs Statement (A096.815)
Folder 40: Suggested Procedures for Filing an Application for Complaint with the FTC (A096.890)
Folder 41: Budnitz Statement to FTC (AO96.895)
Folder 42: Statement to FTC on Trade Regulation Rule Proposal Regarding Negative Option Plans (A096.895)
Folder 43: Gordin Statement to FTC (A096.896)
Folder 44: Robert Hobbs Comment on Oversight of FTC Authority over Deceptive Acts and Practices (096.900)
Folder 45: Ernest Sarason, Peggy Rigg, and Mark Leymaster. Amicus Brief, FTC v Dixie Finance Co. and Transouth Financial Corp. (096.901)
Folder 46: Hesse Memo (A105.101)
Folder 47: Hesse Letter requesting Rehearing (A105.102)
Folder 48: Funding
Folder 49: Comments of NCLC in Opposition to Applications Exemption from Title III (A105.103)
Folder 50: Walter Memo on Suits Against Dept. of Labor/ Garnis/ Exemptions (A105.104)
Folder 51: Draft/ Brief NCLC v Hodgson (A105.105)
Folder 52: Connors Statement to FTC on Cooling Off Period on Door to Door Sale (A108.320)
Folder 53: Budnitz Statement to FTC on Cooling Off Period (A108.321)

Box 5

Folder 1: Robert Sable Department of Business Reg. Bureau of Insurance State of Maine. Regulations Governing Credit Insurance State of Maine 24-A (109.040)
Folder 2: Sable California Insurance (A109.50)
Folder 3: Testimony of Brooklyn Legal Service and NCLC before the Committee on Insurance of the Senate and Assembly of the State of N.Y./ Concerning Automobile Insurance Rating Classifications and Residual Market (A109.100)
Folder 4: Testimony of Brooklyn Legal Service and NCLC before the Committee on Insurance of the Senate and Assembly of the State of N.Y./Concerning Automobile Insurance Rating Classifications and Residual Market (109.101)
Folder 5: Kenneth Reeves Testimony at Kansas Insurance Hearings (A109.102), 1978
Folder 6: KR BS NY Insurance (109.103), 1978
Folder 7: Credit Property Insurance (109.104)
Folder 8: Phase I Auto Insurance (A109.105), 1979
Folder 9: Auto Insurance Checklist (109.121)
Folder 10: Public Hearings on Industrial Insurance (109.125), 1980
Folder 11: Freeman B. Azzata, General Memorandum on Insurance Benefits (A109.130)
Folder 12: Sarason, Sheldon Commonwealth of Mass. Dept of Banking and Insurance. Brief of Mary Morris (109.145), 1978
Folder 13: Leymaster, Rigg Commonwealth of Mass. Insurance Premium Finance Board. Brief of Attorney General and Somerville United Neighborhoods (109.150)
Folder 14: Robert Sable Statement Before the Board of Governors on the Federal Reserve System (109.155)
Folder 15: Bob Sable, Comments on Proposed Amendments to Credit Life Insurance Rules (109.156)
Folder 16: Concerning Section 167-A of the Insurance Law, 1979
Folder 17: NC Insurance Articles (109.600-109.602)
Folder 18: Omega National Insurance Company v. Marquardt Amicus Brief (109.604)
Folder 19: Northern Carolina Debit Insurance Litigation Manual (109.600-109.602)
Folder 20: Bank Holding Companies (A110.400)
Folder 21: U.S. v. Griffin (110.900)
Folder 22: NCLC Statement on Proposed Trade Regulation on Proprietary Vocational and Home Study School (110.976)
Folder 23: Comments on FTC Proposed Trade Regulation Rule on Sale of Used Motor Vehicles (110.225)
Folder 24: Odometer Tampering-Article (110.206)
Folder 25: NCLC Statement on Proposed Trade Regulation on Used Motor Vehicles (110.210)
Folder 26: NCLC Statement on Proposed Trade Regulation on Used Motor Vehicles (A110.220)
Folder 27: Schubach and Schubach v. Household Finance Corporation (A110.401)

Box 6

Folder 1: Schubach and Schubach v. Household Finance Corporation (110.401)
Folder 2: Food Chain Practices (A110.490)
Folder 3: Statement on TRR on Health Spas (110.502)
Folder 4: Mobile Home Park Tenant Bill of Rights Phase II Report Potential Solutions (110.700)
Folder 5: Guides Household Furniture (A110.550)
Folder 6: Sarason, Mobile Home Trade Regulation Rule (A110.710), 1981
Folder 7: Quiller v. Barclays American Credit (110.720), 1984
Folder 8: Manufactured Housing Park Tenants, Shifting the Balance of Power (110.722)
Folder 9: Model Truth-in-Pricing (A110.860)
Folder 10: Proposed TRR on Vocational and Home Study Schools (A110.980)
Folder 11: Statement on Vocational Schools (111.990), 1975
Folder 12: Statement before Subcommittee on Consumer Affairs Rules (112.050), 1978
Folder 13: Comments on Ed. (110.991)
Folder 14: Expansion Grant Mailings (120.200)
Folder 15: Model Consumer Credit Act, 1973
Folder 16: Model Prejudgment Remedies Act (A126.000)
Folder 17: Provisional Remedies Act (A126.100)
Folder 18: Model Service Act (A127.000)
Folder 19: National Consumer Act (A132.150)
Folder 20: Administration (A132.303)
Folder 21: Agreements and Disclosures (A132.306)
Folder 22: Boyd Comparison of the NCA and UCCC (A132.310)
Folder 23: Consumer Remedies (A132.315)
Folder 24: "NCA, A Model Act for Consumer Protection" (A132.327)
Folder 25: Definitions Having Substantative Importance (A132.325)
Folder 26: Enforcement of Security Interest (A132.330)
Folder 27: Holder in Due Course (A132.335)
Folder 28: Memo on NCA (A132.340)
Folder 29: Model Home Solicitation Sales Act (A132.345)
Folder 30: Practices in Article 3 (A132.350)
Folder 31: Personal Receivership (A132.355)
Folder 32: Synopsis of the NCA (A132.360)
Folder 33: Comic Stationary (133.400)
Folder 34: Informal Proposal LEA (A133.410)

Box 7

Folder 1: Description of NCLC (A133.120)
Folder 2: NCLC: Goals, Quarterly Report (A133.130)
Folder 3: Changing Times Article (A133.180)
Folder 4: Article on Willier (A133.185)
Folder 5: Miscellaneous, Professor Willier Visits ACB Offices
Folder 6: Consumer Reports (A133.186)
Folder 7: Results of 1970 Survey (A133.250)
Folder 8: Clearing House, 1988
Folder 9: Clearing House, 1989
Folder 10: Staff Biographies (A133.305)
Folder 11: Job Sketches and NCLC Activities (A133.308)
Folder 12: NCLC Fact Sheet (A133.320)
Folder 13: Information Sheet (A133.325)
Folder 14: Outline of Activities (A133.360)
Folder 15: Synopsis of Center (A133.370)
Folder 16: Willier Remarks (A133.375)
Folder 17: WFW Statement at NCLC (133.380)
Folder 18: Grass Roots NCLC Internal Newsletter (133.385)
Folder 19: Clearinghouse Articles, 1970
Folder 20: Clearinghouse Articles
Folder 21: NCLC Brochure (133.420), 1982
Folder 22: Liens, #61, (A) Consensual, 1975
Folder 23: NCLC Publicity (133.451), 1983
Folder 24: NCLC Publicity (133.451), 1982
Folder 25: Synopsis of NCLC Activities (133.369), February 1970
Folder 26: Clearinghouse Articles (133.480), 1983-1984
Folder 27: Clearinghouse Articles (133.480), 1984-1985
Folder 28: Clearinghouse Articles (133.480), 1980-1982
Folder 29: Clearinghouse Articles (133.480), 1987
Folder 30: Clearinghouse Articles (133.490), 1986
Folder 31: New York (133.500)
Folder 32: "Help for Financially Distressed Families"
Folder 33: "Introduction to Representing and Counseling Financially Distressed Families", 1985
Folder 34: "Introduction to Representing and Counseling Financially Distressed Families," " New Poor" (1) (145.001)
Folder 35: "Introduction to Representing and Counseling Financially Distressed Families," "New Poor" (2)

Box 8

Folder 1: Debtor's Rights Handbook, A Counselor's Guide for Families in Financial Distress (145.002)
Folder 2: Ken Mickens, The Appliance Rental Dilemma: Is Disclosure Relief in Sight (155.00)
Folder 3: Brief in Support of Plaintiff's Motion for Partial Summary Judgment, Williams v. Bill Coleman TV, Inc. (155.001)
Folder 4: Repossession and Article 9, Outline for Reginald Heber Smith Training (A160.100), 1977
Folder 5: Annotated Repossession Hotline (A160.101)
Folder 6: Foreclosure in America, a Working Paper (165.001)
Folder 7: Pennsylvania's Homeowner's Emergency Mortgage Assistane Program (165.002)
Folder 8: Second Mortgage Lending: Abuses and Regulations (165.003)
Folder 9: Consumer Controversies Act (A170.100)
Folder 10: Nebraska (A170.110)
Folder 11: Small Loans Regulation Proposal (A171.025)
Folder 12: Proposed Small Loan Regulation (A171.025), 1969
Folder 13: Virginia Rate Hearing (A171.050), 1974
Folder 14: Commonwealth of Virginia Theresa Ruffin, Elinor Flannagan, Hearing Brief (171.050)
Folder 15: Consumer Protection in Pennsylvania (172.050)
Folder 16: "A Lawyer's Guide to RCW" Washington Manual (A172.100), 1986
Folder 17: Greenleaf v. Greenwald Sheet (A171.076)
Folder 18: Greenleaf v. Greenwald (A171.077)
Folder 19: Wallace on HR 7735 (A171.080)
Folder 20: Massachusetts Small Loans Intervener, Defendant's Brief (A171.075), 1976
Folder 21: Complaint to Enforce Liability Under Federal Consumer Credit Protection Act (South Carolina) (A183.100)
Folder 22: State Exemption, Truth in Lending Connecticut, NCLC's Comments (A183.310)
Folder 23: Brief Opposing the Oklahoma Application (183.360)
Folder 24: Comments in Opposition to Application by Utah (A183.365)
Folder 25: State Exemption, Truth-in-Lending, Virginia (A183.370)
Folder 26: Truth-in-Lending Practices Handbook (A183.380)
Folder 27: Hobbs Testimony on TUK-Senate Banking Committee (183.810)

Box 9

Folder 1: Truth-in-Lending Handbook Draft (A183.381)
Folder 2: Truth-in-Lending Amendment Comment (A183.525)
Folder 3: Mourning v. Family Publication Service Amicus Curiae Brief
Folder 4: Freed v. Board of Governors (183.535)
Folder 5: Comments on Proposed Federal Reserve Board Regulation E (A191.005)
Folder 6: Batte v. Harris (183.555)
Folder 7: Manning v. Princeton Consumer Discount Co. Inc. (A183.560)
Folder 8: Jim Brown (183.600)
Folder 9: McCoy v. Salem Mortgage (A183.615)
Folder 10: Clearinghouse No. 17, 940 (A183.615)
Folder 11: WO WS Outline Testimony before the Senate Consumer Affairs Subcommittee on Qui Tam Remedies under Truth-in-Lending (A183.616), March 16-17, 1976
Folder 12: Kessler v. Associates Financial Services Company of Hawaii, Inc. (183.620)
Folder 13: Comments on Regulation Z 12CFR Proposed Revision (183.807), 1981
Folder 14: Statement on Proposed FCBA to Truth-in-Lending Regulation Z (183.801)
Folder 15: Statement of Ogburn at Truth-in-Lending reforn Hearings Subcommittee on Consumer Affairs, Committee on Banking Housing (A183.804), 1977
Folder 16: Budnitz Statement to Federal Reserve Board on Regulation Z Revisions (A183.805)
Folder 17: Mortgage Assistance for Unemployed, H.R. 2785 (A183.806)
Folder 18: Comments on Proposed regulation Z, Official Staff Commentary, 1981
Folder 19: Hobbs on S.2802 (A183.809)
Folder 20: Ford Motor Credit Co. v. Milhollin NCLC Amicus Brief (A183.811), 1978
Folder 21: Lease on Unfit (A188.821)
Folder 22: NY Dentists
Folder 23: Illinois
Folder 24: Gage on Voluntary Consumer Purchases (A183.820)
Folder 25: Leymaster Trends in Truth-in-Lending Litigation (A183.822), 1979
Folder 26: Truth-in-Lending Simplification Analysis
Folder 27: Truth-in-Lending Case Summaries
Folder 28: Truth-in-Lending Case Summaries, Appendix G (A183.824)
Folder 29: Bright and Barber v. Ball memorial Hospital Associates (A183.826)
Folder 30: Glassman, B, Consumer Obligation to Tender under Truth-in-Lending Act Recission (A183.827)
Folder 31: Truth-in-Lending (A183.830)
Folder 32: Survey of Unconscionability under UCC 2-302 (A186.355)
Folder 33: Unconscionability under the UCC (186.360)
Folder 34: Survey of Consumer Fraud (A188.030)
Folder 35: Sheldon and Zweibel, Consumer Fraud: An Analysis of Impact and Opportunities for Intervention (188.010)
Folder 36: Sheldon Consumer Fraud Intervention Studies (188.010)

Box 10

Folder 1: Defense Against Transfer (A189.320)
Folder 2: Rights of Consumers under UCC Denied by Confession of Judgment Procedures (A189.350)
Folder 3: Regulation E Summary (191.005)
Folder 4: Proposed Amendment to UCCC (A192.150)
Folder 5: Proposed NH Amendments (A192.160)
Folder 6: Knauer Speech (A192.310)
Folder 7: A Consumer Credit Code for Lenders, Consumer Reports (192.315)
Folder 8: "Conference on the Uniform Consumer Code" (A192.316)
Folder 9: Corresponding Sections in UCCC and NCA (192.320)
Folder 10: Necessary Revisions of the UCCC (192.375)
Folder 11: Significant Differences Between UCCC and NCA (A192.385)
Folder 12: Open Letter to Legislators of Indiana Regarding UCCC (192.396)
Folder 13: Gordin Statement on UCCC (A192.397)
Folder 14: Statement Before Florida Legislature (A192.398), 1972
Folder 15: A Uniform Consumer Creator's Code for Lenders, Consumer Reports (A192.390)
Folder 16: A UCCC for Massachusetts-A Dialog (A192.391)
Folder 17: WFW Memo to Senator Kennedy (A192.393)
Folder 18: Virginia Knauer Rever, Betty Furness on Consumer Code, Press Release (192.395)
Folder 19: Willier Statement on UCCC (A192.399)
Folder 20: GG to Senate Subcommittee on Judiciary State California on California Senate Bill 2 UCCC (192.400)
Folder 21: Clearinghouse Newsletter (192.401), 1972
Folder 22: Suggested Amendments to the 1974 UCCC (192.405)
Folder 23: Model Unit Pricing Law (A198.160)
Folder 24: Packaging and Labeling (198.326)
Folder 25: Open Dating Act (Unit Pricing) (A198.364), 1971
Folder 26: Rigg. Testimony before Senate Banking Committee regarding Oversight of Financial Institutions (200.100)
Folder 27: 1406 and S.963 Providing for Preemption of Credit Rate Laws (200.105)
Folder 28: Moore, Statement to Subcommittee of Financial Institutions of the House Committee on Banking (200.110)
Folder 29: Testimony to the Subcommittee on Consumer Affairs and Coinage of the House Banking Committee (A200.115)
Folder 30: Smith v. U.S Credit Corp. (200.116)
Folder 31: Smith v. U.S Credit Corp., Ian deWaal (200.116), 1986
Folder 32: Peggy Rigg, Providing for Preemption of Consumer Credit Laws. Testimony Before the Senate Committee on Banking, Housing, and Urban Affairs (200.117)
Folder 33: Richard Elbrecht Statement Regarding Warranties Protection (204.050), 1969
Folder 34: George Gordin Regarding Warranties, "The Consumer as Inspector" (204.100), 1970
Folder 35: Willier Statement on Warranties (A204.150)
Folder 36: Model State Warranties Act (A204.160)
Folder 37: Gordin Statement on S3074 (A204.350)
Folder 38: Statement of GWFW on HR 10690, S.3074, HR 18056 (A204.360)
Folder 39: West on H.2837 (A204.375)
Folder 40: Willier Statement before the Subcommittee on Commerce and Finance of the Interstate and Foreign Commerce Committee (A204.380)
Folder 41: Pursuant to Massachusetts Contract (A204.400), 1970
Folder 42: Comments of NCLC on Proposed Interpretations to the Magnuson-Moss Warranty Act (A204.404), September 1976
Folder 43: Statement of NCLC Concerning the Proposed Ruler Under the Magnuson-Moss Fed. Warranty Act for a Depreciation Deduction for Refunds Under Full Warranties (A204.405)
Folder 44: Statement of NCLC to the Federal Trade Commission on Its Proposed Regulations to the Magnuson-Moss Warranty Act (A204.406), September 1975
Folder 45: George Gordon M53074 (204.407)
Folder 46: I Rhode Island, Legal Services
Folder 47: MR Testimony Regarding S.752 Relating to Used Car Warranties (204.409)
Folder 48: MR Testimony before Joint Committee on commerce and labor by MR Regarding S.55 Relating to Used Car Warranties (204.410)
Folder 49: JS Comments (204.411)
Folder 50: Debt Insurance

Box 28

Folder 1: National Consumer Act: A Model Act for Consumer Protection, January 1970
Folder 2: Committee on Banking, Housing, and Urban Affairs: Testimony by Will Ogburn, December 1979
Folder 3: Articles written by Will Ogburn
Folder 4: Grant Summaries
Folder 5: The National Consumer Law Center from its Birth to 2013
Folder 6: Printed Advertisements for NCLC Publications
Folder 7: Informative Pamphlets
Folder 8: NCLC General Info. (by NCLC)
Folder 9: Booklets about the NCLC
Folder 10: Consumer Law for the New Legal Services Practitioner; Clearinghouse Review, November 1993
Folder 11: Department of Business Regulation Bureau of Insurance State of Maine: Statement in Behalf of Consumer Action Coalition, December 1977
Folder 12: David R. Beach and Linda M. Beach v. Ocwen Federal Bank, October 1997
Folder 13: HR1728: Mortgage Reform & Anti-Predatory Lending Act, April 2009
Folder 14: Credit Related Automobile Insurance Problems: Creditor Arranged Physical Damage Insurance ; Insurance Premium Financing; Phase II Report, April 1981
Folder 15: Automobile Insurance Availability Issues: Assigned Risk Plan Placement; Assigned Risk Plan Rates: Financial Responsibility Laws and the Uninsured Driver; Phase II Report, March 1981
Folder 16: Credit Counseling in Crisis: The Impact on Consumers of Funding Cuts, Higher Fees and Aggressive New Market Entrants, April 2003
Folder 17: In Harm’s Way- at Home: Consumer Scams and the Direct Targeting of America’s Military and Veterans, May 2003
Folder 18: Unhealthy Pursuits: How the Sick and Vulnerable are Harmed by Abusive Medical Debt Collection Tactics
Folder 19: Massachusetts Historic Commission State Historic Rehabilitation Tax Credit Program Historic Preservation Certification Application, Parts 1 & 2, September 2008
Folder 20: CAP Communications Recommendations, May 2010
Folder 21: Energy and the Poor, May 1989
Folder 22: Joint Center for Housing Studies: Federal Regulation of Consumer Credit: The Cause of the Cure of Predatory Lending?, March 2004
Folder 23: Self Representation in the Bankruptcy Court: The Massachusetts Experience
Folder 24: NCLC Focus 1996-1998
Folder 25: NCLC Outlook 1999-2011
Folder 26: NCLC Energy Update Nov. 1990- Feb. 1992
Folder 27: NCLC Energy & Utility Update Apr. 1992- Dec. 1993
Folder 28: NCLC Energy & Utility Update Feb. 1994- Dec. 1996
Folder 29: NCLC Energy & Utility Update Apr. 1997-2004
Folder 30: Restricted/ Copley Raff for NCLC, 2010
Folder 31: Consumer Law for Housing Lawyers, 1989
Folder 32: NCLC property record Dell server
Folder 33: Right On (National Equal Justice Library)