Consumer, Housing & Energy

The Consumer, Housing & Energy Project is dedicated to improving housing conditions for people with low incomes and to protecting North Carolinians from harmful and abusive business practices.

Latest Consumer, Housing & Energy News

A mortgage alternative for lower-priced homes comes with risks

Carolina Changemakers, episode 2: Fr. Javier Almendárez-Bautista

NC Justice Center secures major benefits for North Carolina consumers in settlement of class action against debt-buyer Portfolio Recovery Associates

North Carolina Justice Center releases 2024 policy agenda 

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Recent Consumer, Housing & Energy Publications

Coalition Letter

Public Comments Opposing Increases to Mobile Home Insurance Rates

Fact Sheet

Overview – Housing, Consumer & Energy

Fact Sheet

Fact Sheet: Return to Student Loan Repayment

Annual Report

Annual Impact Report 2022-23

Fact Sheet

Fact Sheet: Claim Your Foreclosure Surplus Funds and Avoid Scams

Legislative Bulletin

2023 North Carolina Legislative Session: An Opportunity to Unlock Economic Potential and Build Resilience

Fact Sheet

New Federal Eviction Moratorium: Does It Apply to Me?

Your Voice Your Vote
silhouette of person shouting into megaphone. text says, "your voice, your vote, election 2020"

YOUR VOICE, YOUR VOTE: Housing

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Financial Consumer Protections

We have successfully advocated for and defended numerous protections related to lending, and we continue to fight efforts to lower regulations and increase fees for companies seeking to make predatory loans.

Homeowner Rights

We helped create regulations on mortgage lenders and loan servicers that protect homeowners from unscrupulous practices.

Payday Lending

Bank payday loans create a debt trap, just like other payday loans. Rather than solving a financial crisis, they sink the borrower into a deeper financial hole.