By Victoria Richardson In March 2024, the Social Security Administration (SSA) changed its overpayment rules so no more than ten percent of a recipient’s monthly check could be withheld to repay an overpayment. Starting March 27, 2025, the SSA has reversed this policy. People who receive SSDI or OASDI may now see 100 percent of […]

By Carmen Bingham, VPLC Affordable Clean Energy (ACE) Project Coordinator HB2621, as amended by the House of Delegates, will be before the Senate Commerce & Labor Committee Monday, February 10, 2025 in the afternoon. It is not the savior bill for APCo customers as it is being touted to be. There are no “immediate” savings […]

by Jay Speer, VPLC Executive Director I have been thinking a lot about Ward Scull who died recently.  Ward was a long-time ally of VPLC in our multi-year legislative fight with Virginia’s payday lenders.  VPLC advocated for just and fair lending, but the payday lenders wanted to continue making huge sums of money exploiting Virginians […]

Direct File is the IRS’ first attempt to provide a free filing program comparable to existing commercial software. While the pilot was limited to people with simple tax returns in a handful of states, the Department of the Treasury estimated that one-third of taxpayers in those states — almost 19 million people — were eligible […]

The Consumer Financial Protection Bureau (CFPB) today proposed an interpretive rule explaining that many paycheck advance products, sometimes marketed as “earned wage” products, are consumer loans subject to the Truth in Lending Act. The guidance will ensure that lenders understand their legal obligations to disclose the costs and fees of these credit products to workers. […]

Shark Week 2024: Be Careful Where You Borrow By Jay Speer, Virginia Poverty Law Center Executive Director Welcome to Shark Week 2024, at least according to the annual designation fronm Discovery Channel   In years past, the Virginia Poverty Law Center has used this week to call out all the loan sharks attacking Virginia borrowers.  There […]

By Jay Speer, VPLC Executive Director Last week Virginia legal aid programs and the Virginia Trial Lawyers Association filed an amici (friend of the court) brief in a case before the Virginia Court of Appeals challenging the shady practices of Portfolio Recovery Associates (PRA) and other debt buyers that has led to over $217 million […]

Every April, Virginia and the nation observe “Child Abuse Prevention Month.” But at VPLC, we prefer to think of April as “Supporting Families Month” or “Help Families Thrive Month.” Why? Because the best way to help children is to support families and help them thrive.  In Virginia as elsewhere, the number one reason families are […]

HB1370, introduced by Delegate Karrie Delaney, prohibits medical providers from reporting medical debt to consumer reporting agencies.   VPLC supports this bill which has passed the House and a Senate committee. Why did Delegate Delaney introduce this bill and  Why is the Consumer Financial Protection Bureau concerned about health care debt?  “The fact that the CFPB […]

Help Get Rid of Zombie Mortgage Foreclosures HB 184 by Delegate Simon amends Virginia law concerning foreclosures. A second mortgage holder must detail what is owed and must prove they have sent monthly statements to the property owner to recover fees and interest covered by the period the mortgage appeared to be dead. To download […]

Make probate loans comply with the Virginia Fairness in Lending Act HB 648 by Del. Coyner deals with yet another attempt to evade the 2020 Virginia Fairness in Lending Act, which passed the House in a bipartisan 62-30 vote. VPLC believes that the Virginia General Assembly should determine what is a loan, not the company […]

Disclose all Mandatory Fees and Charges VPLC supports HB1320 (McClure) and SB388 (Pekarsky), which would require the disclosure of all mandatory fees and charges included in the advertised and displayed price of any good or service. This would create a clear, upfront picture of the total cost of a product. To download this fact sheet […]

Vote YES on House Bill 418 (Simon) The Virginia General Assembly passes laws to properly regulate marketplaces and protect individuals but many times those laws are not effectively enforced because government agencies may lack the necessary resources. Virginia and Mississippi are the only states in the country that do not allow class action lawsuits. Virginians […]

Parents need better legal representation When it comes to child dependency cases, judges say they cannot find attorneys willing to take cases. Parents say attorneys don’t take their calls and don’t advocate for them in court. Virginia is ranked 47th out of 50 states in finding a permanent family for children who otherwise age out […]

VPLC’s Jay Speer and Christie Marra appeared on Pod Virginia this week to discuss VPLC’s legislative agenda and advocacy around ending junk fees and protecting renters. Listen below or on Apple Podcasts:

Keep the Lights on for Virginians Experiencing Hard Times VPLC supports HB906 (Shin) and SB480 (Aird), which aim to introduce safeguards around utility shut-offs. Learn more about VPLC’s legislative agenda and get involved HERE. Update: This legislation has passed through the House, next it will be considered by the Senate. Legislative Overview Lower-income households spend […]

A proposal to incrementally increase the state’s minimum wage, from $12 to $15 hourly advanced through a Senate committee this week. The legislation, carried by Sen. Louise Lucas of Portsmouth, may fare well in both chambers, as Democrats now control both the Senate and House of Delegates. What it costs to live in Virginia “Economic […]

VIDEO!  Attorney Flannery O’Rourke explains the problems…and the solutions. Note: see General Assembly legislative updates on the issue below this post by Flannery O’Rourke, Esq. Unemployment insurance can sometimes feel more like a tangled web than a safety net. Some claimants even remain entangled in Virginia’s unemployment insurance system long after their claim ends. Retroactive […]

People are struggling to pay their rent, utilities, and buy food.  We see it everywhere.  Lack of affordable housing, lack of access to medical care, utility shutoffs.  The Commonwealth of Virginia is not doing enough to help people.  Into that gap come those that will exploit desperation– payday lenders, get rich quick con men and […]

Why are the payday lenders trying to destroy the CFPB? The Consumer Financial Protection Bureau (CFPB) is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. The CFPB was created in the wake of the 2008 recession when reckless financial practices by banks and other financial institutions nearly […]

A few days into the 2023 Virginia General Assembly session, VPLC learned that an “earned wage access” lender had talked two legislators into filing legislation to “regulate” the industry.  The 2023 General Assembly rejected the legislation.  However, it appears that there will be another effort to pass legislation in the 2024 General Assembly. What is […]