National Consumer Law Center

nonprofit consumer-law advocacy organization

National Consumer Law Center

Industry Legal

A nonprofit legal advocacy organization focused on consumer law, debt, credit, utilities, student loans, and low-income consumer protection. National Consumer Law Center scores well because the model leaves more value with stakeholders and the institution is less hostile to people with weak bargaining power, and no current penalty outweighs that structure.

Why this matters: NCLC is a strong legal-help institution because it pushes legal expertise toward ordinary consumers instead of toward extractive creditors and platforms.

Letter grade A Good Medium confidence (AI) Rubric gcd-rubric-v1

Final Score 55* A - Good

* Tentative scaffolding score. Not human-checked or final.

Base Material55
Bonus+0
Cap66No structure cap
After Cap55
Penalties0
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Evaluation Overview

A - Good

The score turns mainly on Extraction; no penalty currently dominates the evaluation.

Strengths

  • Extraction8/10
  • Ownership7/10
  • Solidarity with the Unemployed7/7

Penalties

  • No penalties applied in this version.

Evidence state

  • ConfidenceMedium confidence (AI)
  • ThoroughnessDeveloped (AI)
  • Linked claims3
  • Direct axis claims3
  • Coverage3/9

Scoring Axes

Axis Score Why this score
Ownership
?
Control rights: shareholder-dominated at 0, worker cooperative control at 10.
7 / 10

NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Linked evidence
  • NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms. [1]
Governance
?
Binding decision authority: centralized control at 0, democratic stakeholder control at 10.
6 / 10

NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Linked evidence
  • context NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms. [1]
  • context NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs. [2]
  • context NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment. [3]
Extraction
?
Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.
8 / 10

NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Linked evidence
  • context NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms. [1]
  • context NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs. [2]
  • context NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment. [3]
Labor Sovereignty
?
Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.
5 / 7

NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Linked evidence
  • context NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms. [1]
  • context NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs. [2]
  • context NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment. [3]
Solidarity with the Unemployed
?
Treatment of exits and nonworkers, including severance, redeployment, and non-competes.
7 / 7

NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Linked evidence
  • context NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms. [1]
  • context NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs. [2]
  • context NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment. [3]
Loss-Bearing Fidelity
?
Willingness to absorb costs to preserve values, workers, users, and public obligations.
7 / 7

NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Linked evidence
  • context NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms. [1]
  • context NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs. [2]
  • context NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment. [3]
Market Conduct
?
Pricing fairness, switching costs, lock-in, and rent extraction.
5 / 5

NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment.

Linked evidence
  • NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment. [3]
Product Integrity
?
Preservation of quality rather than degradation for monetization.
5 / 5

NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs.

Linked evidence
  • NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs. [2]
Scale Integrity
?
Whether growth improves or degrades fairness and accountability.
5 / 5

NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Linked evidence
  • context NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms. [1]
  • context NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs. [2]
  • context NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment. [3]

Penalties

No penalties applied in this version.

Bonus Credits

No bonus credits applied in this version.

Confidence Basis

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 70/100

3 verified linked claims 3 direct axis claims 0 disputed claims 3/9 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 20/20

3 verified linked claims

Source quality 12/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 6/18

3 direct claims across 9 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 3/10

3/9 evidence-bearing components have direct support

Evidence State

Evidence State

Profile stateAI draft / human-pending
VerificationUnverified
ConfidenceMedium confidence (AI)
ThoroughnessDeveloped (AI)
Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.
Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.
1NCLC is a nonprofit consumer-law organization, provides evidence for the relevant scoring judgment compared with commercial legal-service platforms.

Ownership Verified High confidence AI-generated / human-pending

AI scaffold

2NCLC produces consumer-law advocacy and resources on debt, credit, utilities, student loans, and related issues, supporting Product Integrity for ordinary legal needs.

Product Integrity Verified High confidence AI-generated / human-pending

AI scaffold

3NCLC works against abusive consumer-market practices rather than profiting from them, provides evidence for the relevant scoring judgment.

Market Conduct Verified High confidence AI-generated / human-pending

AI scaffold

Alternatives

Competitors

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How This Page Is Maintained

Evidence comes in through contributors, is checked by verifiers, and is synthesized by reviewers. Founder authority remains narrow and visible; scores recalculate when verified claims or the rubric change.

Civic Note

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