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.

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National Legislation

HR 4952: Improving Seniors Access to Quality Benefits Act

Sponsor: Mike Kelly [R-PA] on 2018-02-06
https://www.govtrack.us/congress/bills/115/hr4952

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This bill would help remedy a problem known as the “Benchmark Cap,” which penalizes 5.8 million Medicare Advantage enrollees by denying them access to enhanced healthcare benefits based on where they live. Medicare Advantage is an important source of health coverage for over 20 million seniors and individuals with disabilities.

Oppose

National Legislation

HR 5082: Practice of Law Technical Clarification Act of 2018

Sponsor: Alex Mooney [R-WV] on 2018-02-23
https://www.govtrack.us/congress/bills/115/hr5082

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This bill would exempt attorneys and law firms engaged in litigation from the Fair Debt Collection Practices Act. It would also eliminate the Consumer Financial Protection Bureau’s authority over them, undermining critical consumer protections from lawyers engaging in deceptive and unfair activities when attempting to collect debts.

Oppose

National Legislation

HR 1116: TAILOR Act of 2017

Sponsor: Scott Tipton [R-CO] on 2017-02-16
https://www.govtrack.us/congress/bills/115/hr1116

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This terrible legislation would force consumer and financial regulators to prioritize costs to Wall Street over benefits to the public before taking any action to control financial abuses. It would also empower financial institutions to overturn current and future consumer protections in court.

Oppose

National Legislation

HR 3072: Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017

Sponsor: Lacy Clay Jr. [D-MO] on 2017-06-27
https://www.govtrack.us/congress/bills/115/hr3072

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This bill would end the CFPB’s supervision and enforcement authority over banks and credit unions with $10-50 billion in assets (representing two-thirds of the large banks it oversees). With bank earnings at record levels, there’s no excuse for deregulatory efforts like HR 3072, which put our very economy at risk.

Oppose

National Legislation

HR 4861 : Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018

Sponsor: Trey Hollingsworth [R-IN] on 2018-01-19
https://www.govtrack.us/congress/bills/115/hr4861

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HR 4861 exempts payday lenders from the CFPB’s rule to rein in payday loans and nullifies the FDIC’s requirement that banks consider the borrower’s ability to repay before issuing a loan. It would pave the way for banks to issue significantly more abusive loans that trap consumers in debt.

Oppose

National Legislation

HR 2570 : Mortgage Fairness Act of 2017

Sponsor: Bill Posey [R-FL] on 2017-05-19
https://www.govtrack.us/congress/bills/115/hr2570

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This inappropriately-named piece of legislation would make it easier for banks and lenders to issue risky home mortgages to consumers by allowing lenders to evade existing rules surrounding high-cost mortgage loans and steer homeowners into abusive deals on certain mortgages (especially home equity lines of credit and construction loans).

Oppose

National Legislation

HR 3971 : Community Institution Mortgage Relief Act of 2017

Sponsor: Claudia Tenney [R-NY] on 2017-10-05
https://www.govtrack.us/congress/bills/115/hr3971

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This bill would make it easier for banks and lenders to issue risky home mortgages to consumers by allowing larger lenders to make high-priced mortgages without requiring mortgagees to deposit funds in escrow to guarantee payment of taxes and homeowners insurance. (Escrow accounts help homeowners reduce their mortgage default risk.)

Oppose

National Legislation

HJ Res 122: A resolution to roll back the CFPB’s payday rule

Sponsor: Dennis Ross [R-FL] on 2017-12-01
https://www.govtrack.us/congress/bills/115/hjres122

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This house resolution would roll back a critical rule that the Consumer Financial Protection Bureau announced in 2017 to rein in the payday and high-cost loan industry, giving payday lenders a free pass to continue exploiting financially vulnerable Americans.

Oppose

National Legislation

HR 2396: Privacy Notification Technical Clarification Act

Sponsor: Dave Trott [R-MI] on 2017-05-04
https://www.govtrack.us/congress/bills/115/hr2396

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This bill would minimize or remove requirements that banks disclose to consumers annually that they can prevent the sharing of their non-public personal information with “nonaffiliated third parties that aren’t selling financial products” (i.e. marketers). If passed, consumers would likely suffer from more intrusive marketing, price discrimination and identity theft.

Oppose

National Legislation

HR 3746 : Business of Insurance Regulatory Reform Act of 2017

Sponsor: Sean Duffy [R-WI] on 2017-09-12
https://www.govtrack.us/congress/bills/115/hr3746

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This legislation would allow companies offering credit-related insurance products to avoid Consumer Financial Protection Bureau oversight. If passed, companies could engage in deceptive and fraudulent practices involving the sale of forced mortgage and auto insurance, credit insurance add-ons and private mortgage insurance.