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 an 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. For more about our work, visit our Issues and Positions page.



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The Action Center features tools to help you advocate for yourself and others. Learn more about the key features and advantages of the Take Action Center and how you can communicate effectively with your elected officials and build grassroots momentum. Learn More…


Legislative Positions

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Support

AB 2811: Online Subscription Cancellation

Sponsor: California Assemblymember Marc Berman on
https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200AB2811

More Info

AB 2811 ensures that if California consumers can subscribe to a subscription service online, they should be able to cancel their subscriptions online, and that they can do so without delay or having to jump through hoops.

Support

AB 2559: Consumer Restitution and Protection Act

Sponsor: California Assemblymember Rebecca Bauer-Kahan on
http://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200AB2559

Read Details

The bill seeks to grant the Department of Business and Oversight (DBO) the authority to collect restitution for consumers harmed by non-bank lenders, including those companies that operate in the mortgage, payday and credit card industries.

Oppose

AB 154: Public postsecondary education: income share agreement (pilot program)

Sponsor: Assembly Member Voepel on
https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200AB154

Read Details

This bill would allow students at the University of California and California State Universities to enter into income share agreements (ISA) instead of taking out loans. ISAs are unregulated by the government, repayments are uncapped, and they don't offer the same advantages as federal student loans (forbearance, hardship deferments, etc.).

Support

HR 6201: Families First Coronavirus Act

Sponsor: Rep. Nita Lowey (D-NY) on 2020-3-11
https://www.govtrack.us/congress/bills/116/hr6201

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The bipartisan Families First Coronavirus Act would give millions of workers up to two weeks of paid sick leave and three months of paid family medical leave to handle personal health/family caregiving responsibilities related to the coronavirus. The legislation would also reimburse companies (via tax credits) for providing the leave.

Support

AB 539: Fair Access to Credit 2019

Sponsor: Assembly Member Monique Limón on
https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB539

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This consumer protection bill stops predatory lending tactics, protects consumers and focuses on fair credit. It caps loan interest rates at 36% plus the fed fund rate (2.5% today). This bill is a compromise between consumer advocates and lenders that are currently offering loans at approximately 36%.

Support

S 2833: Veterans and Consumers Fair Credit Act

Sponsor: Senator Merkley (D-OR) on 2019-11-12
https://www.votervoice.net/ConsumerAction/Campaigns/69689/Respond

Write Congress

This legislation would extend financial protections that currently apply only to active duty servicemembers (through the Military Lending Act, which caps interest rates on loans at 36%) to all consumers.

Oppose

S 1116: Balancing the Rights of Web Surfers Equally and Responsibly (BROWSER) Act

Sponsor: Marsha Blackburn (R-TN) on 2019-04-10
https://www.govtrack.us/congress/bills/116/s1116

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The BOWSER Act is an insufficient consumer privacy bill that places the burden of protecting their online data on consumers (rather than the corporations collecting it). It offers no protections for civil rights violations, nor does it enable states or individuals to take private action to enforce any data privacy…

Support

S 2968: Consumer Online Privacy Rights Act (COPRA)

Sponsor: Maria Cantwell (D-WA) on 2019-12-03
https://www.govtrack.us/congress/bills/116/s2968

Learn More

This bill would provide consumers with basic online data privacy rights, create the mechanisms by which government would ensure that corporations use consumer data appropriately, and allow the enforcement of any new rules.  

Support

S 2220: Open and Responsive Government Act

Sponsor: Chuck Grassley (R-IA) on 2019-07-23
https://www.govtrack.us/congress/bills/116/s2220

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If passed, this bill would ensure that watchdog organizations, the media and the public retain access to vital information of public interest that they’ve historically been able to obtain through the Freedom of Information Act (FOIA).

Oppose

S 2685: Consumer Credit Control Act of 2019

Sponsor: Jack Reed (D-RI) on 2019-10-23
https://www.govtrack.us/congress/bills/116/s2685

Learn More

This bill would amend the Fair Credit Reporting Act to give consumers control over when and how their consumer reports are shared by credit bureaus.

Oppose

S 1895: Lower Health Care Costs Act (Section 205)

Sponsor: Lamar Alexander (R-TN) on 2019-06-19
https://www.govtrack.us/congress/bills/116/s1895

Learn More

While this legislation would encourage production of less expensive generic medications, as well as transparency in the prescription supply chain, we oppose section 205 of the bill because it would restrict access to air medical services (which is particularly concerning for patients in rural areas during medical emergencies).

Support

S 1002: Affordable Loans for Any Student Act

Sponsor: Ed Merkely (D-OR) on 2019-04-03
https://www.govtrack.us/congress/bills/116/s1002

Learn More

This comprehensive legislation would ensure affordable and simple income-based repayment plans for federal student loan borrowers.

Support

S 1414: The Student Borrower Bankruptcy Relief Act of 2019

Sponsor: Richard Durbin (D-IL) on 2019-05-09
https://www.govtrack.us/congress/bills/116/s1414

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Unlike gambling, credit card and mortgage debt, student loan debt cannot be discharged by filing for bankruptcy. This legislation would eliminate the section of the bankruptcy code that makes private and federal student loans nondischargeable.

Support

S 608: Court Legal Access and Student Support (CLASS) Act

Sponsor: Richard Durbin (D-IL) on 2019-02-28
https://www.govtrack.us/congress/bills/116/s608

Learn More

The CLASS Act would protect students’ rights to hold for-profit colleges accountable in court for defrauding them, by prohibiting any school that receives government (Title IV) student aid funding from forcing students into arbitration (or taking away their right to pursue a class action lawsuit).

Support

HR 5066: Tax Excessive CEO Pay Act of 2019

Sponsor: Barbara Lee (D-CA) on 2019-11-13
https://www.govtrack.us/congress/bills/116/hr5066

Learn More

Tax Excessive CEO Pay Act of 2019 This bill requires an increase in the corporate income tax rate based upon the ratio of compensation paid to the corporation's highest paid employee to median worker compensation. The pay ratios range from greater than 50 to 1 (0.5% increase) to greater than…