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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Consumer Issues

Includes unfair and deceptive practices, scams and frauds, consumer rights, transparency and consumer protection.

Support

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.

Oppose

National Legislation

HR 1699: Preserving Access to Manufactured Housing Act of 2017

Sponsor: Garland “Andy” Barr [R-KY] on 2017-03-23
https://www.govtrack.us/congress/bills/115/hr1699

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HR 1699 would exempt manufactured housing lenders from requirements that protect borrowers against inappropriately high-cost loans, ultimately making homeownership less accessible and more expensive for those who often can least afford it.

Oppose

National Legislation

HR 4267: The Small Business Credit Availability Act

Sponsor: Steve Stivers [R-OH] on 2017-11-07
https://www.govtrack.us/congress/bills/115/hr4267

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This bill increases risks to retirees and other investors by raising a cap on borrowing by Business Development Companies (BCDs), a type of investment company. BDCs are traded on stock exchanges and can take sudden and quick losses in value. The more they borrow, the riskier they become to investors.

Oppose

National Legislation

HR 4015: The Corporate Governance Reform and Transparency Act

Sponsor: Sean Duffy [R-WI] on 2017-10-11
https://www.govtrack.us/congress/bills/115/hr4015

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Proxy advisory firms allow investors to exercise their voting rights as shareholders. This bill would create an untested regulatory framework that would undermine proxy-advisory firms and shareholders that rely on them for unbiased advice.

Oppose

National Legislation

HR 3221: Securing Access to Affordable Mortgage Act

Sponsor: David Kustoff [R-TN] on 2017-07-13
https://www.govtrack.us/congress/bills/115/hr3221

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This bill rewards the worst actors in the housing industry. It would eliminate a requirement that lenders making higher-risk mortgages obtain a written appraisal establishing the value of the property being sold. It would also reduce/eliminate civil penalties levied against mortgage lenders/bankers and others who fail to report appraiser misconduct.

Oppose

National Legislation

HR 1153: Mortgage Choice Act

Sponsor: Bill Huizenga [R-MI] on 2017-02-17
https://www.govtrack.us/congress/bills/115/hr1153

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Post-2008 mortgage crisis, the Dodd-Frank Act created a category of “Qualified Mortgages," those that borrowers would have the ability to repay. HR 1153 would allow risky, high cost mortgage loans with high fees to qualify under this category, effectively rendering it meaningless, harming consumers and potentially creating another housing crisis.

Oppose

National Legislation

HR 725 : Innocent Party Protection Act

Sponsor: Ken Buck [R-CO] on 2017-01-30
https://www.govtrack.us/congress/bills/115/hr725

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This bill would allow corporations to move the lawsuits that consumers file against them from state to federal courts. Corporations tend to prefer federal courts because they often have less diverse jurors, more expensive proceedings and longer wait times for trials (often leading to the corporation winning the case).

Oppose

National Legislation

HR 720: Lawsuit Abuse Reduction Act

Sponsor: Lamar Smith [R-TX] on 2017-01-30
https://www.govtrack.us/congress/bills/115/hr720

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This legislation would change a rule giving judges the authority to penalize attorneys for filing frivolous lawsuits by mandating penalties even if the lawsuits had merit. In doing so, HR 720 would discourage the filing of civil rights, consumer and other cases and have a discriminatory impact on said cases.

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 488 : JOBS and Investor Confidence Act of 2018

Sponsor: Patrick "Pat" Toomey [R-PA] on 2017-03-01
https://www.govtrack.us/congress/bills/115/s488

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Section 201 of this bill would reduce privacy protections for renters by, among other things, allowing landlords to report negative information about their tenants to credit bureaus and other screening agencies, even if the tenants withheld their rent payment for valid reasons (e.g. the landlord’s failure to maintain the property).

Support

National Legislation

S 3149: Do Not Call Act

Sponsor: Catherine Cortez Masto [D-NV] on 2018-6-27
https://www.govtrack.us/congress/bills/115/s3149

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This Act is also called the “Deter Obnoxious, Nefarious and Outrageous Telephone Calls Act of 2018,” which is exactly what it would do by mandating imprisonment and fines for robocallers, scammers and other telephone spammers.