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.
Signup for Emails
Quickly sign-up for emails. Want more control use 'Action Menu' option?
Make Your Voice Heard
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…
Sponsor: Mike Kelly [R-PA] on 2018-02-06
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.
Sponsor: Alex Mooney [R-WV] on 2018-02-23
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.
Sponsor: Scott Tipton [R-CO] on 2017-02-16
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.
Sponsor: Lacy Clay Jr. [D-MO] on 2017-06-27
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.
Sponsor: Trey Hollingsworth [R-IN] on 2018-01-19
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.
Sponsor: Bill Posey [R-FL] on 2017-05-19
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).
Sponsor: Claudia Tenney [R-NY] on 2017-10-05
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.)
Sponsor: Dennis Ross [R-FL] on 2017-12-01
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.
Sponsor: Dave Trott [R-MI] on 2017-05-04
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.
Sponsor: Sean Duffy [R-WI] on 2017-09-12
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.
Sponsor: Garland “Andy” Barr [R-KY] on 2017-03-23
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.
Sponsor: Steve Stivers [R-OH] on 2017-11-07
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.
Sponsor: Sean Duffy [R-WI] on 2017-10-11
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.
Sponsor: David Kustoff [R-TN] on 2017-07-13
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.
Sponsor: Bill Huizenga [R-MI] on 2017-02-17
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.