It is shown that the existence of neutral interstellar clouds constrains the interaction of any particulate dark-matter candidate with atomic hydrogen to be quite small. Even for a halo particle of mass 1 PeV (10 to the 6 GeV), it is shown that the cross section with hydrogen must be smaller than the typical atomic cross section that is expected for a positively charged particle bound to an electron. The argument presented is that if the clouds are in equilibrium, then the rate at which energy is deposited by collisions with dark-matter particles must be smaller than the rate at which the cloud can cool. This argument is used to constrain the interaction cross section of dark matter with hydrogen. Remarks are made on the general viability of charged dark matter. Comments are also made on a bound which derives from the dynamical stability of the halo.