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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National Legislation

HR 435: Credit Access and Inclusion Act

Sponsor: Keith Ellison [D-MN] on 2017-01-11
https://www.govtrack.us/congress/bills/115/hr435

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This legislation would reduce consumers’ control over their own data by preempting state and federal privacy protections, damage the credit scores of millions of consumers with a disproportionate impact on African Americans, and conflict with long-standing state utility regulatory consumer protections.

 

Oppose

National Legislation

HR 2936: Resilient Federal Forests Act of 2017

Sponsor: Bruce Westerman [R-AR] on 2017-06-20
https://www.govtrack.us/congress/bills/115/hr2936#

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The poorly named bill fails to improve the quality of public forests by promoting harmful and destructive logging projects and tramples on access to justice principles by stifling citizens’ ability to seek redress through our courts. The bill severely compromises the “overriding objective of the Forest Service's forest management program.

Support

National Legislation

HR 1659: Stop Taxing Death and Disability Act

Sponsor: Peter Roskam [R-IL] on 2017-03-21
https://www.govtrack.us/congress/bills/115/hr1659

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Student loan forgiveness after a student’s death or disability – a policy intended to relieve a financial burden – should not lead to a huge tax bill. This bill would rid the tax burden on forgiven loans for disabled veterans, borrowers with disabilities and bereaved families and has received bipartisan…

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National Legislation

HR 3857: PASS Act of 2017

Sponsor: Ann Wagner [R-MO] on 2017-09-27
https://www.govtrack.us/congress/bills/115/hr3857

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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.

Oppose

National Legislation

HR 3299: Protecting Consumers’ Access to Credit Act of 2017

Sponsor: Patrick McHenry (R-NC) on July 19, 2017
https://www.govtrack.us/congress/bills/115/hr3299

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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%!

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HR 2359: FCRA Liability Harmonization Act

Sponsor: Barry Loudermilk (R-GA) on May 4, 2017
https://www.govtrack.us/congress/bills/115/hr2359

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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.

Oppose

National Legislation

HR 2133: The CLEARR Act of 2017

Sponsor: Blaine Luetkemeyer (R-MI) on April 25, 2017
https://www.govtrack.us/congress/bills/115/hr2133

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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.

Oppose

National Legislation

HR 2954: Home Mortgage Disclosure Adjustment Act

Sponsor: Tom Emmer (R-MN) on June 20, 2017
https://www.govtrack.us/congress/bills/115/hr2954#

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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).

Support

National Legislation

HR 484: DRAIN the SWAMP Act

Sponsor: Peter DeFazio (D-OR) on January 12, 2017
https://www.govtrack.us/congress/bills/115/hr484

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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.

Support

National Legislation

S 1819: The Equal Employment for All Act

Sponsor: Elizabeth Warren [D-MA] on September 14, 2017
https://www.govtrack.us/congress/bills/115/s1819

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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.

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