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.
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National Action
Free access to credit scores
Date: Thu, April 25, 2013
Legislation introduced in the U.S. House and Senate would give consumers free credit scores along with their free annual credit reports.
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California Legislation
SB 515: Amendment to California Deferred Deposit Transaction Law
Sponsor: Senator Hannah Beth Jackson (D-Santa Barbara) on Feb 21, 2013 and amended on April 5, 2013
http://www.leginfo.ca.gov/cgi-bin/postquery?bill_number=sb_515&sess=CUR&house=B&author=jackson
This legislation targets "payday loans" that trap mostly low-income borrowers in a repeated cycle of debt. It would require lenders to give borrowers at least 30 days to repay loans and prevent people from taking out more than six payday loans in a year.
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National Legislation
S 418: Do-Not-Track Online Act of 2013
Sponsor: John Rockefeller [D-WV] on 2013-02-28
http://www.govtrack.us/congress/bills/113/s418
Senator Jay Rockefeller, Chairman of the Senate Commerce, Science and Transportation Committee, has introduced S. 418, a bill that would give consumers the ability to control their personal information and allow them to prevent online companies from collecting and using the personal details for profit.
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California Legislation
AB 1291: California Right to Know Act
Sponsor: Assembly Member Bonnie Lowenthal (D) on Feb 22, 2013
http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB1291
The Right to Know Act (AB 1291) would give consumers the right to ask for a report of any personal information about them collected by online companies as well as any marketers with whom the information was shared.
Petition
National Action
Save Wireless Lifeline!
Date: Thu, April 11, 2013
Let your elected representatives know that you strongly oppose any cuts to Lifeline. Sign our petition to protect low-income Lifeline telephone subsidies. A recent Washington Post article highlighted growing criticism of the low-income phone subsidy program known as Lifeline, which was founded under President Ronald Reagan's administration and expanded to include cellphone service during the presidency of George W. Bush.
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National Legislation
S 114: Fairness for Struggling Students Act of 2013
Sponsor: Sen. Richard Durbin [D-IL] on 2013-01-23
http://www.govtrack.us/congress/bills/113/s114
Fairness for Struggling Students Act of 2013 - Revises federal bankruptcy law with respect to the exemption from the exception to discharge in bankruptcy for certain educational loans if excepting such debt from discharge would impose an undue hardship on the debtor and debtor's dependents.
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National Legislation
S 525: Constitutional Amendment to Restore Citizen’s Rights
Sponsor: Sen. Bernard “Bernie” Sanders [I-VT] on 2013-03-12
http://www.govtrack.us/congress/bills/113/s525
A bill proposing an amendment to the Constitution of the United States to restore the rights of the American people that were taken away by the Supreme Court's decision in the Citizens United case and related decisions, in order to protect the integrity of our elections from corporate influence.
Watching
National Legislation
S 150: Assault Weapons Ban of 2013
Sponsor: Sen. Dianne Feinstein [D-CA] on 2013-01-24
http://www.govtrack.us/congress/bills/113/s150
Would amend the federal criminal code to ban the import, sale, manufacture, transfer or possession of semiautomatic assault weapons.
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National Legislation
S 471: Fair Access to Credit Scores Act of 2013
Sponsor: Sen. Bernard “Bernie” Sanders [I-VT] on Mar 06, 2013
http://www.govtrack.us/congress/bills/113/s471
A bill to amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes. Consumer Action believes that consumers should receive a credit score along with their free annual credit reports.
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National Legislation
S 113: Know Before You Owe Private Student Loan Act of 2013
Sponsor: Sen. Richard Durbin [D-IL] on Jan 23, 2013
http://www.govtrack.us/congress/bills/113/s113
A bill to amend the Truth in Lending Act and the Higher Education Act of 1965 to require schools to counsel students before they sign on to expensive, even unnecessary, private student loan debt and inform them if they have any untapped federal loan eligibility.