Coalition Efforts

Consumer Action is working on these important issues along with other organizations. If you would like to know more about these issues, please see "More Information" at the end of each article.
 
 

Postings

The FBI doesn’t need a warrant to read your email – it should
Although originally enacted in 1986 to protect consumers, the Electronic Communications Privacy Act (ECPA) no longer reflects the nations’ reasonable expectations of privacy. The ECPA reform bill prevents the collection digital data without a warrant and has growing support from privacy advocate groups, including Consumer Action, and giant tech leaders alike.

Attempts to roll back the CFPB’s authority to protect consumers
Here we go again—those who have opposed increasing consumer protections and the creation of the Consumer Financial Protection Bureau (CFPB), are at it once more.

Consumers shouldn’t have to sacrifice privacy for safety
In comments to the Federal Communications Commission (FCC), Consumer Action and other privacy advocates urged the Commission to to ensure that any data collected to respond to “E911” calls carries strong privacy protections.

Many companies leave limited-English-speaking consumers in the dark
Families with limited-English-proficiency (LEP) are continually targeted for business, but abandoned when they run into trouble. Whether or not consumers speak English should not strip them of their consumer rights.

Concerns raised about sale of Corinthian Colleges
A coalition of 46 student, consumer, veterans and civil rights groups wrote to the Obama Administration and U.S. Department of Education to oppose the proposed sale of 56 Corinthian Colleges' campuses to ECMC, a nonprofit student loan guarantee agency.

Topps trading cards company violates child protection laws
Consumer Action joined coalition advocates in urging the Federal Trade Commission (FTC) to investigate Topps candy and trading card company for violating the Children's Online Privacy Protection Act (COPPA) Rule. Through its websites that are marketed to children, Topps collected personal information, including photos and online contact information, from users that were under 13 years old without providing notice to parents or obtaining verifiable parental consent.

In favor of expanding the CFPB’s reach in the auto industry
In light of its recent supervision report detailing auto-lending discrimination uncovered at banks, the Consumer Financial Protection Bureau (CFPB) is proposing to oversee larger nonbank auto finance companies for the first time at the federal level.

Keep cool on COOL
Advocates from over 200 farm, faith, environmental, labor, rural and consumer organizations delivered a letter to the Senate urging the legislators to reject any effort to repeal, rescind or weaken Country of Origin Labeling (COOL) in any federal spending legislation. Advocates argue COOL has been embraced by consumers who want to know where their food comes from and by family farmers who are proud to provide that information.

In favor of improving mortgage data to prevent housing discrimination
The Consumer Financial Protection Bureau’s (CFPB) is proposing to improve the quality and type of Home Mortgage Disclosure Act (HMDA) data collected, as required by the Dodd-Frank Act. HMDA data is used to evaluate mortgage lending activity, particularly to understand the dynamics of the mortgage market for underserved borrowers and communities of color. Consumer Action joins coalition advocates in supporting the CFPB's efforts to improve HDMA data collection and urges the Bureau to expand on its collection fields and take further steps to improve the quality of the data collected.

Consumer protections weakened after repealing Reg. AA
Banking regulatory agencies repealed Regulation AA in August. Reg. AA bans banks from unfair and deceptive acts as described in the FTC Credit Practices Rule (like pyramiding late fees, taking security interests in household goods, etc.). In its stead, the agencies jointly issued the Interagency Guidance regarding Unfair or Deceptive Credit Practices (the Guidance), which clarifies to banks and financial service providers that the credit practices described in these former regulations are still not permissible. Consumer Action joined coalition advocates in seeking a stronger rule that mirrors and improves upon the protections originally included in Regulation AA.

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