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


Housing

Includes housing, community development , mortgages and home ownership, and housing discrimination.

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 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

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 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

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).

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.)

Petition

California Action

Give California consumers the foreclosure relief they deserve

Date: Wed, August 01, 2018

Take Action

Consumers and advocates are calling on Governor Jerry Brown to immediately restore mortgage crisis recovery funds to help those California homeowners who continue to suffer the disastrous effects of the foreclosure crisis, 10 years later.

Oppose

National Legislation

HR 620: ADA Education and Reform Act of 2017

Sponsor: Ted Poe [R-TX] on 2017-01-24
https://www.govtrack.us/congress/votes/115-2018/h80?utm_campaign=govtrack_feed&utm_source=govtrack/feed&utm_medium=rss

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The ADA Education and Reform Act would make it harder for people with disabilities to hold businesses accountable for inaccessibility. The bill limits the right to sue public businesses (including restaurants, hotels, and movie theaters) that don’t comply with the ADA’s accessibility requirements.

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

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

S 550: Restoring Statutory Rights and Interests of the States Act of 2017

Sponsor: Patrick Leahy [D-VTnull] on 2017-03-07
https://www.govtrack.us/congress/bills/115/s550

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The Restoring Statutory Rights and Interests of the States Act would ensure that mandatory arbitration clauses cannot be interpreted to preempt civil rights claims or other statutory causes of actions.

Support

National Legislation

S 537: Arbitration Fairness Act of 2017

Sponsor: Alan Franken [D-MNnull] on 2017-01-20
https://www.govtrack.us/congress/bills/115/s537

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Arbitration Fairness Act of 2017 would prohibit the use of mandatory, pre-dispute arbitration agreements in consumer, employment, civil rights, and antitrust cases.

Oppose

National Legislation

HR 482: Local Zoning Decisions Protection Act of 2017

Sponsor: Paul Gosar [R-AZ4] on 2017-01-12
https://www.govtrack.us/congress/bills/115/hr412

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This bill aims to repeal the U.S. Department of Housing and Urban Development's Affirmatively Furthering Fair Housing (AFFH) rule, which promotes fair housing choice and creates inclusive communities free from discrimination in areas that receive federal funding for housing. If enacted, the bill would nullify the HUD rule.