Action Center


Welcome to Consumer Action's Take Action Center. Consumer Action offers e-advocacy tools to help you make your voice and opinions heard. The free service allows you to play active role in the political process by finding contact information for your federal and state elected officials, writing to Congress, sending letters to the editor, responding to key legislation and more. If you like our Take Action Center, consider supporting our work.

Actions by Category


Credit & Finance

Everything from banking, bankruptcy, credit, credit cards, financial literacy, stocks, and securities; this category broadly covers financial information, specifically consumer credit, consumer wealth, and the policies and legislation built to promote and / or stabilize it.

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National Action

Don’t destroy my Consumer Financial Protection Bureau!

Date: Tue, July 18, 2017

Take Action

This week marks the sixth birthday of the Consumer Financial Protection Bureau. Yet, some in Congress have marked the agency for dead. Let your Senators know that an attack on the CFPB is an attack on the people who put them in office.

Oppose

California Legislation

AB 380: Electronic transactions: motor vehicle finance

Sponsor: Assemblymember Matt Dababneh on 02/09/2017
http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB380

Learn More

Currently, under California's Uniform Electronic Transactions Act, auto dealers are not permitted to enter into electronic conditional sales contracts for the purchase or lease of new or used motor vehicles. This bill would allow such practices.

Oppose

National Legislation

HR 10: Financial CHOICE Act of 2017

Sponsor: Jeb Hensarling [R-TX5] on 2017-04-26
https://www.govtrack.us/congress/bills/115/hr10

Take Action

This bill amends the Dodd-Frank Wall Street Reform and Consumer Protection Act, among other Acts, and would eviscerate these safeguards, putting the U.S. economy and taxpayers in the same perilous position as prior to the 2008 financial crisis.

Watching

National Legislation

HR 898: Credit Score Competition Act of 2017

Sponsor: Edward Royce [R-CA39] on 2017-02-07
https://www.govtrack.us/congress/bills/115/hr898

Learn More

This bill would require Fannie Mae and Freddie Mac to establish procedures for considering expanded credit scoring models (models that may use rent, utility, and telecom payments) and and certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes.

Watching

National Legislation

HR 435: The Credit Access and Inclusion Act of 2017

Sponsor: Keith Ellison [D-MN5] on 2017-01-11
https://www.govtrack.us/congress/bills/115/hr435

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This bill aims amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information, including rent, utility and telecom payments, to consumer reporting agencies.

Support

National Legislation

S 1262: The Fairness for Struggling Students Act

Sponsor: Richard Durbin [D-ILnull] on 2017-05-25
https://www.govtrack.us/congress/bills/115/s1262

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This bill will help address the student debt crisis by once again permitting privately issued student loans to be discharged in bankruptcy, the same as nearly all other forms of private unsecured debt.

Oppose

National Action

Stop another financial crisis from happening

Date: Mon, May 01, 2017

Write Congress

Congress is holding a series of hearings to consider a horrible piece of legislation called the Financial CHOICE Act. We prefer to call it the Wrong CHOICE Act, since it will gut critical consumer protections created after the 2008 financial crisis—regulations put in place to protect consumers and help prevent another Great Recession. Stop Congress from making the wrong CHOICE!

Oppose

National Legislation

HR 522: Stop Settlement Slush Funds Act of 2017

Sponsor: Bob Goodlatte [R-VA6] on 2017-01-13
https://www.govtrack.us/congress/bills/115/hr522

Learn More

This bill would be a gift to lawbreakers at the expense of families and communities suffering from injuries that cannot be addressed by direct restitution. It cuts off any payments to third parties other than individualized restitution, limiting federal enforcement officials of their ability to negotiate appropriate relief for victims.

Oppose

National Legislation

S 626: A bill to create a dedicated inspector general for the CFPB

Sponsor: Rob Portman [R-OH] on 2017-03-14
https://www.govtrack.us/congress/bills/115/s626

Learn More

This bill would create unecessary bureaucratic hoops for the Consumer Financial Protection Bureau (CFPB), thwarting its attemps to do its job and protect consumers. Specifically, the bill would create a dedicated, Senate-confirmed inspector general to oversee the Bureau.

Support

National Legislation

HR 585 : Investor Choice Act of 2017

Sponsor: Keith Ellison [D-MN5] on 2017-01-17
https://www.govtrack.us/congress/bills/115/hr585

Learn More

The Investor Choice Act of 2017 aims to eliminate forced arbitration for consumers in investor contracts with brokerage firms and investment advisers.

Oppose

National Legislation

HR 238: Commodity End User Relief Act

Sponsor: K. Conaway [R-TX11] on 2017-01-04
https://www.govtrack.us/congress/bills/115/hr238

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This bill would reauthorize the Commodity Futures Trading Commission and alter the way the commission is able to make rules, or limit its power to impose rules on cross-border swap transactions. Freezing its budget at $250 million, and the new requirements, would bring commission action to a halt.

Oppose

National Legislation

HR 78: SEC Regulatory Accountability Act

Sponsor: Ann Wagner [R-MO2] on 2017-01-03
https://www.govtrack.us/congress/bills/115/hr78

Learn More

This bill mandates that the SEC identify every “available alternative” to a proposed regulation or action and measure the costs and benefits of each alternative prior to taking action. This requirement would create unnecessary burden on the agency and is an attempt to weaken its oversight.

Support

National Legislation

S 552: Justice for Victims of Fraud Act of 2017

Sponsor: Sherrod Brown [D-OHnull] on 2017-03-07
https://www.govtrack.us/congress/bills/115/s552

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The Justice for Victims of Fraud Act would close the “Wells Fargo loophole” by clarifying that forced arbitration clauses do not apply to checking and credit card accounts fraudulently opened without a customer’s consent.

Support

National Legislation

S 647: A bill to amend title 9, United States Code, with respect to arbitration

Sponsor: Richard Blumenthal [D-CTnull] on 2017-03-15
https://www.govtrack.us/congress/bills/115/s647

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"The Mandatory Arbitration Transparency Act" would invalidate and prohibit mandatory pre-dispute arbitration agreements that require the parties to the arbitration to keep matters surrounding the arbitration process confidential, forcing plaintiffs into secret proceedings hidden from other potential victims and from the public.

Support

National Legislation

S 553: Court Legal Access and Student Support (CLASS) Act of 2017

Sponsor: Richard Durbin [D-ILnull] on 2017-03-07
https://www.govtrack.us/congress/bills/115/s553

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The CLASS Act would prohibit an institution of higher education from receiving Title IV federal student aid funding if the school’s enrollment agreement requires mandatory arbitration or otherwise restricts students’ ability to pursue claims against the school in court.

Support

National Legislation

S 550: Restoring Statutory Rights and Interests of the States Act of 2017

Sponsor: Patrick Leahy [D-VTnull] on 2017-03-07
https://www.govtrack.us/congress/bills/115/s550

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The Restoring Statutory Rights and Interests of the States Act would ensure that mandatory arbitration clauses cannot be interpreted to preempt civil rights claims or other statutory causes of actions.

Support

National Legislation

S 537: Arbitration Fairness Act of 2017

Sponsor: Alan Franken [D-MNnull] on 2017-01-20
https://www.govtrack.us/congress/bills/115/s537

Learn More

Arbitration Fairness Act of 2017 would prohibit the use of mandatory, pre-dispute arbitration agreements in consumer, employment, civil rights, and antitrust cases.

Support

National Legislation

S 405: Stop Taxing Death and Disability Act

Sponsor: Chris Coons [D-DEnull] on 2017-02-16
https://www.govtrack.us/congress/bills/115/s405

Learn More

The Stop Taxing Death and Disability Act has gained bipartisan support and would exempt from income tax federal and private student loans that are canceled due to the death of the student or the total and permanent disability of the borrower.

Oppose

National Action

Fight attacks on consumer protection!

Date: Mon, February 06, 2017

Write Congress

The new administration has announced plans to damage the Dodd-Frank financial protection law and cripple the Consumer Financial Protection Bureau (CFPB). Your dissent is crucial.

Support

National Action

Help! Congress has ramped up its war on consumers!

Date: Thu, January 19, 2017

Write Congress

Without your help, the new Congress and administration are set to literally destroy the only federal financial agency created to stave off another recession and protect your rights in the marketplace: the Consumer Financial Protection Bureau.

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