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.

Actions by Category


Credit & Finance

Everything from banking, bankruptcy, credit, credit cards, financial literacy, stocks, and securities; this category broadly covers financial information, specifically consumer credit, consumer wealth, and the policies and legislation built to promote and / or stabilize it.

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

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 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.

Oppose

National Legislation

HR 4439: Modernizing Credit Opportunities Act

Sponsor: Trey Hollingsworth [R-IN] on 2017-11-16
https://www.govtrack.us/congress/bills/115/hr4439

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This bill would allow predatory payday lenders to use sham rent-a-bank arrangements (in which they partner with banks in order to get around state interest rate caps, which the banks can ignore) to make loans at 400+% APR in states where these high rates are currently illegal.

Oppose

National Legislation

S 2702 : Business of Insurance Regulatory Reform Act of 2018

Sponsor: Tim Scott [R-SC] on 2018-04-18
https://www.govtrack.us/congress/bills/115/s2702

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This bill would infringe on the Consumer Financial Protection Bureau (CFPB’s) authority to address problems with consumer financial products and services (particularly credit-related insurance products but also predatory payday and auto loans, mortgages, etc.)

Support

National Legislation

S 2362 : Control Your Personal Credit Information Act of 2018

Sponsor: John "Jack" Reed [D-RI] on 2018-01-30
https://www.govtrack.us/congress/bills/115/s2362

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This legislation would give consumers—not credit bureaus or banks—the ultimate decision-making power over our credit reports by requiring credit bureaus to get permission to release the reports to third parties. This would help prevent the type of identity theft that has occurred since the Equifax data breach.

Oppose

National Legislation

HR 2359: Fair Credit Reporting Act (FCRA) Liability Harmonization Act

Sponsor: Barry Loudermilk (R-GA) on 05/04/2017
https://www.govtrack.us/congress/bills/115/hr2359

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Would dramatically reduce consumer remedies for the worst credit reporting violations (would eliminate punitive damages in individual cases and reduce statutory damages in class actions).

Oppose

California Legislation

AB 380: Electronic transactions: motor vehicle finance

Sponsor: Assemblymember Matt Dababneh on 02/09/2017
http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB380

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Currently, under California's Uniform Electronic Transactions Act, auto dealers are not permitted to enter into electronic conditional sales contracts for the purchase or lease of new or used motor vehicles. This bill would allow such practices.

Support

National Legislation

S 1389: Military Consumer Enforcement Act

Sponsor: John Reed [D-RInull] on 2017-06-21
https://www.govtrack.us/congress/bills/115/s1389

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The bill provides the Consumer Financial Protection Bureau with the ability to enforce a range of civil and financial protections to eligible servicemembers, including capping interest rates, protecting against foreclosure and eviction without a court order, and requiring certain steps to obtain a default judgment against a protected servicemember.

Oppose

National Legislation

HR 10: Financial CHOICE Act of 2017

Sponsor: Jeb Hensarling [R-TX5] on 2017-04-26
https://www.govtrack.us/congress/bills/115/hr10

Take Action

This bill amends the Dodd-Frank Wall Street Reform and Consumer Protection Act, among other Acts, and would eviscerate these safeguards, putting the U.S. economy and taxpayers in the same perilous position as prior to the 2008 financial crisis.

Watching

National Legislation

HR 898: Credit Score Competition Act of 2017

Sponsor: Edward Royce [R-CA39] on 2017-02-07
https://www.govtrack.us/congress/bills/115/hr898

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This bill would require Fannie Mae and Freddie Mac to establish procedures for considering expanded credit scoring models (models that may use rent, utility, and telecom payments) and and certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes.

Watching

National Legislation

HR 435: The Credit Access and Inclusion Act of 2017

Sponsor: Keith Ellison [D-MN5] on 2017-01-11
https://www.govtrack.us/congress/bills/115/hr435

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This bill aims to amend the Fair Credit Reporting Act to clarify federal law with respect to reporting certain positive consumer credit information, including rent, utility and telecom payments, to consumer reporting agencies.

Support

National Legislation

S 1262: The Fairness for Struggling Students Act

Sponsor: Richard Durbin [D-ILnull] on 2017-05-25
https://www.govtrack.us/congress/bills/115/s1262

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This bill will help address the student debt crisis by once again permitting privately issued student loans to be discharged in bankruptcy, the same as nearly all other forms of private unsecured debt.

Oppose

National Action

Stop another financial crisis from happening

Date: Mon, May 01, 2017

Write Congress

Congress is holding a series of hearings to consider a horrible piece of legislation called the Financial CHOICE Act. We prefer to call it the Wrong CHOICE Act, since it will gut critical consumer protections created after the 2008 financial crisis—regulations put in place to protect consumers and help prevent another Great Recession. Stop Congress from making the wrong CHOICE!

Oppose

National Legislation

HR 522: Stop Settlement Slush Funds Act of 2017

Sponsor: Bob Goodlatte [R-VA6] on 2017-01-13
https://www.govtrack.us/congress/bills/115/hr522

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This bill would be a gift to lawbreakers at the expense of families and communities suffering from injuries that cannot be addressed by direct restitution. It cuts off any payments to third parties other than individualized restitution, limiting federal enforcement officials of their ability to negotiate appropriate relief for victims.

Oppose

National Legislation

S 626: A bill to create a dedicated inspector general for the CFPB

Sponsor: Rob Portman [R-OH] on 2017-03-14
https://www.govtrack.us/congress/bills/115/s626

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This bill would create unecessary bureaucratic hoops for the Consumer Financial Protection Bureau (CFPB), thwarting its attemps to do its job and protect consumers. Specifically, the bill would create a dedicated, Senate-confirmed inspector general to oversee the Bureau.

Support

National Legislation

HR 585 : Investor Choice Act of 2017

Sponsor: Keith Ellison [D-MN5] on 2017-01-17
https://www.govtrack.us/congress/bills/115/hr585

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The Investor Choice Act of 2017 aims to eliminate forced arbitration for consumers in investor contracts with brokerage firms and investment advisers.