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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Sponsor: Ann Wagner [R-MO] on 2017-09-27
The bill would repeal the Department of Labor (DOL) conflict of interest (or “fiduciary) rule, reopening loopholes that make it easy for sales-based retirement “advisers” to avoid their fiduciary obligations that put consumers' interests over profits.
Sponsor: Patrick McHenry (R-NC) on July 19, 2017
H.B. 3299 encourages payday lenders to engage in predatory lending by allowing nonbank lenders to avoid abiding by state interest rate caps through bank partnerships. Through these partnerships, predatory lenders are able to bypass state interest rate limits and charge consumers exorbitant APRs, often greater than 300%!
Sponsor: Barry Loudermilk (R-GA) on May 4, 2017
This bill dramatically reduces consumer remedies for the worst credit reporting violations (and would eliminate punitive damages in individual cases and reduce statutory damages in class actions). The credit bureaus and background check companies are up to no good here and already elicit the most omplaints at the CFPB.
Sponsor: Blaine Luetkemeyer (R-MI) on April 25, 2017
The bill includes a number of provisions that would, under the innocent-sounding guise of “regulatory relief,” drastically undermine our nation’s most important civil rights and consumer protection laws – most notably the Fair Housing Act of 1968.
Sponsor: Tom Emmer (R-MN) on June 20, 2017
The substitute amendment would undermine efforts to ensure that the nation’s mortgage lenders are serving all segments of the market fairly by exempting the vast majority of lenders from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank).
Sponsor: Peter DeFazio (D-OR) on January 12, 2017
This bill institutes a five-year ban on lobbying for executive branch members after they leave government. It also institutes a lifetime ban on executive branch members from serving as “foreign agents” or lobbyists on behalf of other governments, a heightened concern given ties from Trump officials to the Russian government.
Sponsor: Elizabeth Warren [D-MA] on September 14, 2017
Senator Elizabeth Warren reintroduced legislation that fills a key part of the regulatory gap: her Equal Employment for All Act will ban the use of personal credit information for employment decisions. By eliminating employment credit checks, the bill would remove an unfair and discriminatory barrier to economic mobility and security.
Sponsor: Elizabeth Warren [D-MAnull] on 2017-09-14
In light of the massive Equifax data breech that impacted the data privacy of 143 million Americans, the FREE Act would force credit-reporting firms to stop charging consumers to freeze their credit.
Sponsor: Ron Wyden [D-ORnull] on 2017-08-02
The SIMPLE Act eliminates unnecessary paperwork requirements for borrowers enrolled in income driven repayment plans and automatically connects struggling borrowers to the relief that is already available to them under the law. The result will be fewer people weighed down by unaffordable student loan payments and fewer people defaulting.
Sponsor: Barry Loudermilk (R-GA) on 05/04/2017
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).
Sponsor: Doug Collins (R-GA) on 2017-01-12
The "Sunshine Act" is a direct attack on access to the courts and the regulatory system and undermines citizen enforcement of our laws. It impedes the resolution of consumer protection, anti-discrimination, environmental protection, and other important cases before our federal courts.
Sponsor: Assemblymember Ed Chau on 02/09/2017
Limits what broadband providers (internet service providers, or ISPs) can do with customer data. The bill was crafted in response to the repeal of the Federal Communications Commission's 2016 internet privacy regulations by the Trump administration.
Sponsor: Assemblymembers Jim Wood and Brian Dahle on 02/06/2017
Requires disclosure of drug acquisition costs, rebates received from pharmaceutical manufacturers and rates negotiated with pharmacies by pharmacy benefit managers (PBMs), entities that have played a major role in artificially raising drug prices for consumers, and which currently operate with virtually no oversight.
Sponsor: Senator Bill Dodd on 12/05/2016
Would prohibit the use of forced arbitration clauses in contracts that were created fraudulently and allow victimized consumers to have their day in court to recover damages.
Sponsor: Assemblymember Matt Dababneh on 02/09/2017
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.