Coalition Efforts

Consumer Action is working on these important issues along with other organizations. If you would like to know more about these issues, please see “More Information” at the end of each article.



FTC urged to strengthen protections for consumers who buy, finance or lease motor vehicles through dealers
The Federal Trade Commission has proposed a rule to ban junk fees and bait-and-switch advertising tactics that can plague consumers throughout the car-buying experience. More than 100 advocacy organizations signed on to a letter to the agency applauding its efforts and urging it to strengthen the rule to incentivize fairness, encourage competition, address additional unfair and deceptive dealer practices, and give consumers meaningful relief when they have been defrauded.

CFPB should use its authority to curb job training programs that leave employees indebted to employers
Consumer Action joined allies in urging the Consumer Financial Protection Bureau to use its existing authority to protect workers and working families from predatory loans in the form of Training Repayment Agreement Provisions (TRAPs)—employment contract provisions that require an employee to repay the cost (plus interest and fees) of on-the-job training (often of dubious quality or necessity) if they try to leave their job.

Congress members and advocacy groups urge Department of Education to extend Public Service Loan Forgiveness waiver
Members of Congress and consumer advocates joined in urging the Department of Education to extend the Public Service Loan Forgiveness waiver deadline until at least July 2, 2023, in order to allow more teacher, military service members and other public servants to benefit from the program despite sloppy loan servicing that had denied many borrowers the debt relief they had earned.

Groups urge clearer guidance from the California Privacy Protection Agency (CPPA)
Consumer Action joined allies in comments commending the California Privacy Protection Agency (CPPA) for its work to establish data privacy protections for Californians and urged the agency to provide consumers and businesses clearer guidance with respect to their rights and obligations.

SEC should end greenwashing by investment funds and require greater transparency
Nearly a hundred advocacy organizations signed on to a letter calling on the SEC to end greenwashing and increase transparency for funds classified as environmental, social and governance (ESG).

Telemarketing Sales Rule should be strengthened even further to protect consumers from misconduct
Consumer Action joined a dozen partner organizations in submitting comments to the Federal Trade Commission (FTC) regarding two proposed sets of changes to the Telemarketing Sales Rule (TSR), which protects consumers from telemarketing fraud. The signers encouraged additional changes that would, among other things, require advance notice to consumers when a free trial converts to a paid sale.

Groups push for reforms that make Community Reinvestment Act race- and climate-conscious
In a letter to the Comptroller of the Currency, the Federal Reserve System board of governors and the FDIC assistant executive secretary, Consumer Action and 25 other organizations urged key changes to the Community Reinvestment Act (CRA) under a proposed update. Among other things, the organizations want the CRA to adopt a race-conscious approach, strengthen CRA exams, increase community engagement, and address climate change and housing displacement.

Addressing abusive overdraft fees would greatly benefit the most vulnerable consumers
Nearly a hundred state and local organizations, in a letter to the House Financial Services Committee, voiced their support for the Overdraft Protection Act of 2021 (HR 4277). The legislation would address the most abusive provisions of typical overdraft coverage—bank practices that have a particularly devastating effect on lower-income consumers and communities of color.

Congress urged to include airline passenger reforms in 2023 FAA Reauthorization
Nine consumer and travelers advocacy groups sent a joint letter to the House Committee on Transportation and Infrastructure and to the Senate Committee on Commerce, Science, and Transportation urging action on travelers’ urgent needs and priorities that have been exacerbated by the pandemic.

The system is still broken: It’s time for income-driven repayment reform
Today, a group of 116 diverse advocacy organizations sent a letter to the Biden administration calling on U.S. Secretary of Education Miguel Cardona to reform dysfunctional income-driven repayment (IDR) programs and fulfil the promise of IDR. While student loan cancellation under IDR has been possible since 2016, just 32 borrowers have ever successfully had their loans cancelled. At the same time, over 4.4 million borrowers have been in repayment for 20 years or longer, despite theoretically being able to access forgiveness via IDR after 20 years.

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