Ten Most Recent Features
Thursday, August 11, 2016
Payday lenders purposefully ensnare people in debt they can’t escape. These legalized loan sharks collect 75 percent of their fees from people stuck in more than 10 loans a year by charging 300 percent APR. It’s a debt trap. Sign our action alert and petition to the Consumer Financial Protection Bureau
Wednesday, July 27, 2016
The U.S. Department of Education is taking public comments on its proposed reform to provide debt relief to students defrauded by unscrupulous colleges, like Corinthian Colleges, and to hold these colleges accountable so that they, not taxpayers, pay for their wrongdoing.
The proposed new rules improve protections for students and taxpayers and will help curb bad behavior by predatory colleges. But the rules need to be strengthened. As written they also roll back eligibility for student loan relief in some cases and make it likely that many defrauded borrowers will get partial or no relief.
TAKE ACTION NOW! Sign our petition to encourage the Department of Education to strengthen the protections for students and taxpayers and to defend the rules from attacks by the for-profit college industry. It is critical that the Department of Education know that there is support for strong rules to protect students and taxpayers.
Sign the petition by August 1st!
Tuesday, June 07, 2016
A new bill to dramatically improve fairness, transparency and accuracy in credit reporting has been introduced in Congress by Representative Maxine Waters (D-CA). More than 20 percent of people have errors on their credit report, according to the Federal Trade Commission. Some are serious enough to keep consumers from landing a dream job, becoming a homeowner or getting a credit card!
Attempting to fix these errors often turns into a bureaucratic, time-consuming back and forth process. The Comprehensive Consumer Credit Reporting Reform Act of 2016 (HR 5282) would:
- Require credit bureaus to independently analyze disputed errors and create a consumer right to appeal the results of a dispute;
- Restrict the use of credit reports in hiring decisions;
- Reduce the amount of time that negative credit information stays on your record, and
- Remove damaging mortgage or student loan information that stems from unfair or deceptive business practices.
On everyone’s list of goals is “retire comfortably.” Consumer Action offers information and tips to help you make wise retirement account choices, avoid retirement planning pitfalls and reach your savings target.
Monday, May 16, 2016
SCAM GRAM is Consumer Action’s new monthly email alerting you to the dirtiest players in the world of tech fraud, credit card scams, ID theft and general con-artistry. Don’t be fooled by liars, cheaters and deceivers—wise up with SCAM GRAM!
Tuesday, May 10, 2016
Consumer Action invites you to sign onto this comment letter in response to a Federal Communications Commission Notice of Proposed Rulemaking (WC Docket No. 16-106) to ensure that consumers have control over how and whether their data is used and shared by their broadband providers. The proposal would apply the privacy requirements of the Communications Act to the most significant communications technology of today: broadband internet access service. When consumers sign up for internet service, they shouldn’t have to sign away their rights to privacy. Deadline May 27.
Tuesday, April 19, 2016
Consumer Action opposes HR 4884, the “Controlling the Unchecked and Reckless Ballooning of the Lifeline Fund” Act (CURB). The name of this bill demonstrates a bias against Lifeline, and the work of the FCC to improve the Lifeline program. 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.
Saturday, April 09, 2016
Consumer Action, a national non-profit organization dedicated to empowering underrepresented consumers nationwide, takes a look at this Faustian bargain and finds that consumers’ consent for how their data is used is vague, misunderstood and often ignored altogether. In a new white paper, Aligning privacy, permissions and profit: Improving consumers’ control over data consent, the organization outlines a series of principles for data privacy, all centered on a single premise: Consumer consent should guide corporate behavior and proper use of customer data.
Monday, March 21, 2016
Online sharing is a hugely popular pastime. This publication presents the potential risks of oversharing on social media and provides specific tips and tools for participating in social networks while also protecting your privacy and staying safe online.
Tuesday, March 15, 2016
In the Spring 2016 issue of Consumer Action News, we examine the impact of streaming video entertainment and its impact on traditional television. Included are a sample cost comparison between pay-TV providers and subscription-based streaming services, a how-to for streaming and a look at the privacy concerns inherent in the new world of Internet-based TV and video.
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