Action Center


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Legislative Positions

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Oppose

HR 4884: Controlling the Unchecked and Reckless Ballooning of the Lifeline Fund (CURB) Act

Sponsor: Rep. Austin Scott (R-GA) on
https://www.govtrack.us/congress/bills/114/hr4884

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We strongly oppose the CURB Act’s attempt to impose a cap on the Lifeline fund and to phase out wireless voice services in two years. The CURB Act would undercut both the goals of the Lifeline program and the principles for Lifeline modernization.

Oppose

HR 2666: No Rate Regulation of Broadband Internet Access Act

Sponsor: Rep. Adam Kinzinger (R-IL) on
https://www.govtrack.us/congress/bills/114/hr2666

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This legislation would undermine the Federal Communications Commission’s ability to protect consumers from an emerging online “privacy divide” that leaves low-income Americans with fewer privacy options than are available to the wealthy.

Support

HR 3673: Paper returns for those who filed using paper last year

Sponsor: Rep. Dan Benishek, Dan (R-MI) on Oct 1, 2015
https://www.govtrack.us/congress/bills/114/hr3673

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This bill amends the Internal Revenue Code to require the Internal Revenue Service to mail paper income tax forms (and related instructions) to taxpayers who file paper returns not later than 31 days after the close of such taxpayer's next taxable year.

Oppose

HR 3624: Fraudulent Joinder Prevention Act of 2015

Sponsor: Ken Buck (R-CO) on 2015-09-28
https://www.govtrack.us/congress/bills/114/hr3624

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This bill would make it difficult for consumers to enforce their rights in state courts by forcing state cases into federal courts (where they don’t belong). The bill allows corporations, which have profited from doing business in certain states, to “shop around” for a federal court forum at great…

Oppose

HR 2055: Data Security Act of 2015

Sponsor: Randy Neugebauer (R-TX) on 2015-05-01
https://www.govtrack.us/congress/bills/114/hr2205

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This bill would weaken consumer protections in the event of a data breach or other data security threat by eliminating stronger existing state protections and preventing states from adopting innovative laws in response to emerging technological advances.

Oppose

HR 4018: Consumer Protection and Choice Act

Sponsor: Dennis Ross (R-FL) on 2015-11-16
https://www.govtrack.us/congress/bills/114/hr4018

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Would delay important consumer protections for payday loan borrowers for two years. Would allow the payday industry to avoid federal regulation by pushing industry-backed state bills based on a Florida law that has proven ineffective at reining in payday lending abuses.

Support

S. 2044: Consumer Review Freedom Act of 2015

Sponsor: John Thune (R-SD) on 2015-09-16
https://www.govtrack.us/congress/bills/114/s2044

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This bill would invalidate any consumer contract provision that prohibits or restricts the buyer or subscriber from posting public reviews about the products or services. Provisions that impose penalties on buyers or subsubsribers for posting reviews also would be invalid.

Support

S 2235 : HANGUP (Help Americans Never Get Unwanted Phone Calls) Act

Sponsor: Senator Edward J. Markey (D-MA) on 11-04-2015
https://www.govtrack.us/congress/bills/114/s2235

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The HANGUP Act would protect student loan and mortgage borrowers, veterans, farmers, taxpayers, and others from unwanted robocalls and texts. The bill would strike Section 301 of the 2015 Budget Act, passed last week by Congress, which exempts private collectors working on behalf of the federal government from provisions…

Oppose

HR 3192: Homebuyers Assistance Act

Sponsor: French Hill [R-AR2] on 2015-07-23
https://www.govtrack.us/congress/bills/114/hr3192

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HR 3192 would remove key incentives for lenders to comply with new mortgage disclosure rules—rules that dictate consumers must be supplied with certain truthful information on the key features, costs and risks of the mortgage loan for which they are applying. HR 3192 would also leave homeowners who have…

Oppose

HR 3189: Fed Oversight Reform and Modernization Act of 2015

Sponsor: Bill Huizenga [R-MI2] on 2015-07-23
https://www.govtrack.us/congress/bills/114/hr3189

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HR 3189 would impose severe restrictions on the ability of the Federal Reserve to do its job and regulate large Wall Street banks. The bill would do so by creating cumbersome procedural requirements that would neuter the agency’s ability to monitor banks while opening it up to consuming and…

Oppose

HR 2577: Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2016

Sponsor: Mario Diaz-Balart [R-FL25] on 2015-05-27
https://www.govtrack.us/congress/bills/114/hr2577

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This legislation would syphon money allocated to helping people avoid foreclosure into the Highway Trust Fund. Funding for roads and highways should not come at the expense of vulnerable homeowners. More than 1.3 million families are delinquent on their mortgage payments, and over a half a million are in…

Oppose

HR 1941: Financial Institutions Examination Fairness and Reform Act

Sponsor: Lynn Westmoreland [R-GA] on 2015-04-22
https://www.govtrack.us/congress/bills/114/hr1941

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HR 1941 would impose a cumbersome review and appeals process on the bank examiners who are tasked with supervising banks to ensure that they are operating in a safe and sound manner. The fallout from HR 1941 would be felt across the financial system as banks became free to…

Oppose

HR 1317 (amendment): Commodity Exchange Act and the Securities Exchange Act of 1934

Sponsor: Gwen Moore [D-WI4] on 2015-03-04
https://www.govtrack.us/congress/bills/114/hr1317

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Mandatory clearing of derivatives is one of the most important protections in the Dodd-Frank Act, mitigating stock market risks and improving transparency.  An amendment to HR 1317 could permit large financial institutions to evade the mandatory clearing requirement, putting the entire financial system in jeopardy.

Support

S 1773: Consumer Reporting Fairness Act of 2015

Sponsor: on
https://www.govtrack.us/congress/bills/114/s1773

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When someone declares bankruptcy, their debt is discharged and their credit report should reflect a zero balance. Oftentimes, however, their credit report is not up to date. S 1773 will give consumers who have experienced bankruptcy a fresh start by preventing banks and other creditors from continuing to list…

Oppose

S 1607: Independent Agency Regulatory Analysis Act of 2015

Sponsor: Robert Portman [R-OH] on 2015-06-18
https://www.govtrack.us/congress/bills/114/s1607

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Independent regulatory agencies are critical in protecting consumer interests and keeping businesses honest. S 1607 would severely hamper the capacity of these agencies to protect the environment, the financial system, public health and safety, and more by making them susceptible to outside political interference and control.

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