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OUR MISSION

OUR MISSION

The California Low-Income Consumer Coalition strives to ensure that all people, regardless of their income or background, have opportunities under the law to achieve their full potential.

 

Every year, dozens of bills are introduced in the California Legislature that touch on issues affecting low-income consumers, including access to credit, arbitration, auto lending, bankruptcy, car rentals, debt collection, foreclosures, identity theft, medical bills, payday lending, student loans, towing, and utility services. Consumer bills often disproportionately affect low-income Californians, and, in particular, communities of color, who are more likely to enter the marketplace hampered by a lack of financial resources, language access issues, and a history of discrimination. As a result, many of the indigent are easy prey for the unscrupulous.

It is CLICC’s mission to right the balance. We seek to ensure that all consumers in California have their voices heard, and their needs recognized, by the Legislature. Low-income Californians ought to be able both to access the protections of California law and to grasp the opportunities of California’s economy. To that end, we work to build a state, and a future, in which consumer rights and economic justice are fully recognized and firmly established.

OUR TEAM

OUR TEAM

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Ted Mermin

Director

CLICC is led by Ted Mermin, Director of the Berkeley Center for Consumer Law and Economic Justice, Executive Director of the Public Good Law Center, and former California Deputy Attorney General.

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Shelmun Dashan

Deputy Director

Shelmun is Deputy Director of CLICC and Policy Director of the Berkeley Center for Consumer Law and Economic Justice. Most recently she served as the Deputy Director of the Division of Financial Institutions at the Illinois Department of Financial and Professional Regulation.

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Dani Kando-Kaiser

Policy Advocate, Kaiser Advocacy

Dani is the founder of Kaiser Advocacy. She is one of the state's leading advocates for policy that raises the standard of living for all Californians.

OUR COALITION

OUR COALITION

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Bet Tzedek

Founded in 1974, the mission of Bet Tzedek (Hebrew for “House of Justice”) is to act upon a central tenet of Jewish law and tradition: “Tzedek, Tzedek, tirdof—justice, justice, you shall pursue.” The doctrine establishes an obligation to advocate the just causes of the most vulnerable members of society. Consistent with this mandate, Bet Tzedek provides free legal assistance to eligible low-income residents, particularly in Los Angeles County, regardless of their racial, religious, or ethnic background.

California Advocates for Nursing Home Reform (CANHR)

Since 1983, California Advocates for Nursing Home Reform (CANHR), a statewide nonprofit 501(c)(3) advocacy organization, has been dedicated to improving the choices, care and quality of life for California’s long term care consumers. Through direct advocacy, community education, legislation and litigation it has been CANHR’s goal to educate and support long term care consumers and advocates regarding the rights and remedies under the law, and to create a united voice for long term care reform and humane alternatives to institutionalization.

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Centro Legal De La Raza

Founded in 1969, Centro Legal de la Raza is a comprehensive legal services agency protecting and advancing the rights of immigrant, low-income, and Latino communities through bilingual legal representation, education, and advocacy. By combining quality legal services with know-your-rights education and youth development, Centro Legal promotes access to justice for thousands of individuals and families each year throughout Northern and Central California.

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Community Legal Services in East Palo Alto

Founded in 1969, Community Legal Services of East Palo Alto (CLSEPA) provides legal assistance to low-income individuals and families in East Palo Alto and the surrounding communities of San Mateo and Santa Clara counties. Practice areas include housing, immigration, and economic advancement. CLSEPA provide legal assistance and advice to over 6,000 community members per year. Volunteer attorneys, paralegals, law students, and community volunteers work with staff members to provide life-changing legal services to residents in need.

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Contra Costa Senior Legal Services

For over 40 years, Contra Costa Senior Legal Services (CCSLS) has been dedicated to protecting the rights of older residents aged 60 and older in Contra Costa County. CCSLS provides free legal services that improve the quality of life for clients, assisting in such areas as preservation of housing, prevention of abuse, and planning for incapacity.

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Elder Law & Advocacy

Elder Law & Advocacy is a caring group of experienced elder-law staff and trained volunteers who serve over 8,000 seniors annually in both San Diego and Imperial Counties. We provide free and low-cost civil legal services, Medicare and Medicare related counseling and advocacy, referrals to community senior service providers, and community education. The majority of services are offered at no-cost to qualifying seniors.

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La Raza Centro Legal

La Raza Centro Legal, San Francisco Advocacy is a multicultural community social justice center based in the Mission District of San Francisco. Born out of the civil rights and Chicano movements of the 1960’s and 1970’s, Centro Legal was founded in 1973 by Latino law students to fill a gap in the availability of economically and culturally accessible legal services for the Bay Area’s Latino population. Since our founding, we have established a reputation of credibility in the community: as a source of trustworthy legal advice and referrals, as a place where clients will be treated with dignity and respect and where they will find advocates willing to fight for them and with them.

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Legal Aid of Marin

Legal Aid of Marin's mission is to provide access to the civil justice system to low-income, vulnerable and otherwise underserved residents of Marin County. We strive for practical solutions to client problems through quality legal service. Areas of focus include: elder law; debt law; employment law; and housing law.

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Legal Assistance for Seniors of Oakland

Legal Assistance for Seniors works to ensure the independence and dignity of seniors by protecting their legal rights through education, counseling, and advocacy.

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Legal Assistance to the Elderly - San Francisco

Legal Assistance to the Elderly's mission is to protect and advance the right of San Francisco’s seniors and adults with disabilities to be housed, healthy, financially stable, and safe. When eviction, elder abuse, problems with benefits or creditors threaten, LAE is the lifeline.

MHAS (Mental Health Advocacy Services)

MHAS is a private, non-profit organization established in 1977 to provide free legal services to people with mental health disabilities. MHAS assists both children and adults, with an emphasis on obtaining government benefits and services, protecting rights, and fighting discrimination. MHAS also serves as a resource to the community by providing training and technical assistance to attorneys, mental health professionals, consumer and family member groups, and other advocates. In addition, MHAS participates in impact litigation in an effort to improve the lives of people with mental health disabilities.

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Open Door Legal

Open Door Legal is pioneering the country’s first system of universal access to civil legal representation. Our goal is to show that when everyone has access to the law, poverty will be dramatically reduced.

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Public Counsel

Public Counsel is the largest pro bono law firm in the nation. Founded in 1970 in Los Angeles, its 71 attorneys and 50 support staff—along with over 5,000 volunteer lawyers, law students, and legal professionals—assist more than 30,000 individuals, families, and community organizations every year. Our projects focus on the needs of those living at or near the poverty level in such areas as Education, Children’s Rights, Immigration, Veterans, Community Development, and Homelessness. The Consumer Law Project is one of Public Counsel’s original projects. From its inception it has assisted thousands of low-income homeowners, students, and consumers in resolving claims of unfair business practices, fraud, misrepresentations, and a wide range of issues involving fairness in the marketplace.

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Public Law Center

The Public Law Center, a 501(c)(3) nonprofit, provides free legal services to low-income residents of Orange County. Annually, over 8,000 of the most vulnerable residents of Orange County, including immigrants, minorities, veterans, seniors, and children, receive services from PLC's staff and volunteers. Our work includes counseling, individual representation, community education and strategic policy advocacy and impact litigation to challenge societal injustices, and we practice in the areas of domestic violence, human trafficking, guardianship, housing, health, bankruptcy, asylum, family law, consumer fraud, immigration, and discrimination. PLC's Consumer Law Unit works on a variety of issues, including debt collection defense, identity theft, bankruptcy, student loans, auto fraud and predatory lending.

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Riverside Legal Aid

Riverside Legal Aid, a dba of the Public Services Law Corporation of the Riverside County Bar Association, provides pro se litigants with legal services, education and counselling. Services are limited to low income residents of Riverside County and are provided at offices in the cities of Riverside and Indio as well as in-court services in both cities and at the courthouse in Temecula. Areas of practice include, but are not limited to Family Law, Probate, Guardianships, Conservatorships, Unlawful Detainers, Bankruptcy and civil litigation in State and Federal courts.

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Santa Clara Law

The Katharine & George Alexander Community Law Center at Santa Clara School of Law provides free legal services to low-income individuals who have been victimized as consumers and debtors by unfair business practices and fraud. The Community Law Center offers advice clinics twice-a-month regarding consumer-related issues. It also offers a monthly clinic regarding debtors’ rights. The advice provided during the clinics is free of charge. The Consumer Practice Area's major types of cases include: Fraud while purchasing a new or a used car; Car repossession or towing issues; Debt collection harassment; Notario or paralegal fraud; Telemarketing or door-to-door sales fraud; Identity fraud; Credit card fraud; Bankruptcy Credit reporting problems; and other miscellaneous consumer cases.

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Watsonville Law Center

The Watsonville Law Center (WLC) provides free legal services to low-income individuals on California’s Central Coast. We believe that everyone benefits when the most vulnerable among us thrive, and that a holistic collaborative approach is most effective. We focus on legal problems with long-term impacts and solutions, such as workers’ rights, consumer rights, and access to employment.

Policy Advocates

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Kaiser Advocacy

Kaiser Advocacy is a Sacramento-based firm that successfully advocates for policies that raise the standard of living for all Californians.  We deliver innovative strategies that position our clients at the forefront of the key issues facing the Golden State and beyond. Founder Dani Kando-Kaiser has managed national organizational expansions, procured over $700 million in funding for education and public interest programs, and led clients and coalitions to victory in front of the legislature. 

OUR WORK

OUR WORK

2026 Legislative Priorities

Preventing Financial Scams

The scourge of financial scams, especially those targeting older Americans, continues unabated. Losses are estimated as high as $80 billion every year. For three years, CLICC has fought for California to take the lead in putting a stop to this epidemic. As the problem has grown, so has statewide and national attention to the issue. CLICC’s resolve to do all we can to protect California’s families from losing their life savings remains unwavering.  

Past Sponsored Bills

AB 747

2025

Kalra

The SPARE Act

AB 747 will help to stem the tide of nonexistent or fraudulent notice. The new law requires that each attempt at service of process be recorded with a photograph bearing a date and time stamp and GPS coordinates.

Signed by the Governor. Effective date: January 1, 2027.

SB 766

2025

Allen

The CARS Act

SB 766 increases consumer protections for car buyers by codifying the Federal Trade Commission’s CARS rule which prohibits exploitative junk fees, and requires car dealers to disclose the full price of a car upon request. SB 766 also gives California used car buyers and lessors a first-in-the-nation 3-day “cooling off” period to return used cars.

Signed by the Governor. Effective date: October 2026.

AB 2837

2024

Bauer-Kahan

The Post-Judgment Fairness Act

AB 2837 strengthens the notification process, provides more time to request exemption, and offers express remedies to over-garnished/over-levied Californians. Too many low-income Californians do not know that there is a debt collection case against them until money is seized from their wages or bank account. And there is no clear recourse for people who do not receive the required notice, whose wages are over-garnished, or whose bank accounts are over-levied.

Signed by the Governor.

SB 278

2024

Dodd

Preventing Elder Financial Scams

SB 278 would have clarified that turning a blind eye to elder abuse is not a way to avoid responsibility. California law holds accountable anyone who assists in or commits elder financial abuse. But some federal courts have let businesses off the hook for failing to act on obvious cases of abuse.

Bipartisan support by the legislature. Vetoed by the Governor.

AB 1414

2023

Kalra

Ending Archaic and Unfair “Common Counts” in Debt Collection Cases

AB1414 prohibits common counts, which allow creditors and debt buyers to circumvent the usual rules of evidence and civil procedure, from being used in debt collection cases.

Signed by Governor

AB 199

2022

Budget

Expanding Automatic Waivers of Court Filing Fees

AB 199, previously SB 355, incorporates provisions expanding eligibility for automatic court filing-fee waivers into the Budget Act of 2022.

Added to Budget Bill

AB 774

2025

Bauer-Kahan

The Post-Post-Judgment Fairness Act

AB 774 protects low-income consumers who are subject to a debt collection judgment by preserving retirement savings, ensuring due process and accuracy in wage garnishments and bank levies, and providing that amounts wrongfully seized are returned in full.

Signed by the Governor. Effective date January 1, 2026.

SB 825

2025

Limón

The DFPI Act of 2025

SB 825 amends the CCFPL to clarify and underscore the full authority of the DFPI to enforce consumer financial protection laws against all deceptive and predatory practices.

Signed by the Governor. Effective date: January 1, 2026.

SB 1061

2024

Limón

Removing Medical Debt from Credit Reports

SB 1061, the product of a mighty coalition of consumer and worker advocates, prohibits the inclusion of that medical debt on credit reports. When someone incurs medical expenses they cannot afford, those unpaid bills often turn into medical debt that is included on their credit report. This practice damages their credit score and may affect their ability to get an affordable car loan or a mortgage, to rent an apartment, and even to get certain jobs.

Signed by the Governor

AB 1119

2023

Wicks

Removing the Last Vestiges of Debtors’ Prison

AB 1119 rebalances the power dynamic between debt collectors and families with consumer debt. First, AB 1119 reduces the need for court appearances as people who get a notice to appear in court, but whose income and property are under the threshold protected by existing California law, will now be able to file a financial affidavit rather than taking up court time. Second, AB 1119 makes clear that there is no jail time for failure to pay debts in “limited civil” cases in superior court.

Signed by Governor

SB 478

2023

Dodd/Skinner

Fighting Junk Fees by Requiring That the Advertised Price Include All Mandatory Charges

SB 478 adds a provision to the California Legal Remedies Act that prohibits businesses from advertising a price that does not include all required fees (excluding taxes).

Signed by Governor

SB 1200

2022

Skinner

Reducing the Interest Rate and the Term of Post-Judgment Debt

SB 1200 provides relief to debt-burdened Californians subject to debt-collection lawsuits. SB 1200 reduces the interest rate on most personal and medical debt judgments from 10% to 5% per year, and limits renewals of those judgments to a single five-year period.

Signed by Governor

CLICC to protect low income consumers!

At CLICC, we have one goal: to improve the lives of those in need. With your support, we can create laws that are more just and a marketplace that is more fair.
 

Every day, we see the impact of our advocacy on individuals and families. In 2020, we co-led the successful fight for a watchdog agency in California that would protect all of us. In 2025, we wrote a bill to help fix the urgent problem that up to 90% of Californians who are sued for debt don't hear about the lawsuit against them until it's over. We are very happy to say that Governor Newsom signed the bill in October.
 

Your donation will make a real difference. It will help those who need the law's protections the most but feel those protections the least. 

Together, we can make the world a little better, for all of us.  Thank you!

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All donations are made to Social Good Fund, a 501c3, on behalf of its fiscally sponsored project, CLICC. 

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