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Letter from FTC Chair Jon Leibowitz to Rep. Spencer Bachus re CROA (Oct. 12, 2011)
This is a 2011 letter from the FTC Chair to a Congressman concerning the enforcement of the Credit Repair Organizations Act (CROA) and its impact on legitimate credit repair organizations. The letter discusses the advance fee ban in detail and finds partial payments for intermediate steps to be an evasion of the advance fee prohibition.
FDIC 2024 Amicus Brief Re Colorado Opt-Out from Rate Exportation
This 2024 FDIC Amicus Brief in National Association of Industrial Bankers v. Weiser (D. Colo. Apr. 23, 2024) supports Colorado's legislation opting out of out-of-state, state banks' ability to export their home state rate caps to Colorado.
Loan Discharge Application: False Certification (Identity Theft)
Advancing Equity in Utility Regulation: Future Electric Utility Regulation Report No. 12
According to the Partnership for Southern Equity, equity is just and fair inclusion, and energy equity is the fair distribution of the benefits and burdens of energy production and consumption. In the context of electric utility regulation, equity can be a goal, tool, or metric. For example, the primary goal of electricity affordability programs, disconnection moratoriums, and rate discounts is to advance equity. Public participation and intervenor compensation are critical equity tools.
Presentation to National Association of Regulatory Utility Commissioners
Advancing Equity in Utility Regulation: Part of Berkeley Lab’s Future Electric Utility Regulation Report Series
Presentation by:
Chandra Farley–ReSolve
John Howat –National Consumer Law Center
Nidhi Thakar–Portland General Electric
Howard Crystal–Center for Biological Diversity
CPUC Now Accepting Applications for New $30 Million Equity and Access Grant Program
Press Release (Docket #: Res M-4868): Awards will support projects aimed at
engaging tribes and community-based organizations.
Motion for Summary Disposition in Land Contract Eviction
Answer and Affirmative Defenses in Land Contract Eviction
Berkeley Lab Public Webinar Presentation
Advancing Equity in Utility Regulation: Part of Future Electric Utility Regulation Series
Presenters:
Chandra Farley, ReSolve Consulting
John Howat, National Consumer Law Center
Nidhi Thakar, Portland General Electric
Jean Su, Center for Biological Diversity
Appendix F Sample Petitions and Letters (Archived)
Please note that this material is from the prior edition of Access to Utility Service and has not been updated. The material is presented for historical purposes.
Sample Demand Letter for Unauthorized Transfer Under the EFTA
This letter is a formal demand for damages due to violations of the Electronic Fund Transfer Act, 15 U.S.C. § 1693, et seq., and various North Carolina laws, including, but not limited to, common law negligence and violations of the Unfair and Deceptive Trade Practices statute (“UDAP”), N.C.G.S. § 75-1.1, et seq.
The FCC’s Emergency Broadband Benefit Program (May 2021)
The COVID-19 pandemic has revealed a harsh reality for low-income consumers, particularly in communities of color—broadband internet is essential but unaffordable. To help families and households struggling to afford broadband internet service, the Federal Communications Commission (FCC) launched the Emergency Broadband Benefit Program (EBB), a temporary program to address a digital divide exacerbated by the COVID-19 pandemic.
11.5.3.6 Consumer Relief Under the FCC Slamming Rule (Archived)
Please note that this material is from the prior edition of Access to Utility Service and has not been updated. The material is presented for historical purposes.