Postings

Protect consumers from price gouging during a state of emergency
In a letter to the California state legislature, advocates urged support of Senate Bill 1196, which aims to combat price gouging in the state of California during a declared state of emergency. In the midst of the COVID-19 pandemic, California has seen countless examples of unscrupulous individuals using the crisis as an opportunity to turn a profit on essential goods and services. SB 1196 will tighten California law to assist law enforcement officials in prosecuting instances of price gouging that are committed by new sellers during an emergency.

Federal deregulation attempts increase barriers to affordable housing
All over the country, housing unaffordability has become a crisis. The number of households spending more than half of their income on housing payments has skyrocketed in the past decade. Almost 50% of renters are struggling with unaffordable rents, and the homeless population is rapidly growing in high cost areas. In response to this national crisis, the Department of Housing and Urban Development published a request for information to examine how regulations could be creating barriers to affordable housing. In response, advocates point out that it's not regulatory efforts, but moves to deregulate the housing and financial markets that are eroding and withdrawing crucial commonsense oversights, thereby increasing barriers to affordable housing.

The FCC prepares to regulate providers’ efforts to curb annoying robocalls
The Federal Trade Commission received 3.78 million consumer complaints about robocalls in 2019, compared with 3.79 million in 2018. Congress passed the TRACED Act late last year, which aims to crack down on robocalls by requiring voice service providers to implement caller ID authentication technology, and directs the Federal Communications Commission (FCC) to regulate the providers’ efforts. In preparation for its upcoming report on robocalls, advocates call on the FCC to take further action to hold voice service providers accountable in their efforts to stop annoying scam calls.

Congress steps in to overturn DeVos borrower defense rule
In September, the Department of Education released a new version of the "Borrower Defense to Repayment" rule that would make it virtually impossible for students cheated by their college to cancel their student loans. Senator Dick Durbin and Representative Susie Lee have introduced a Congressional Review Act challenge to repeal this rule and restore stronger student protections put in place in a 2016 Borrower Defense rule.

The sale of .org a big concern for non-profit organizations
A private equity firm will soon run the internet’s top domain name extension for non-profits after purchasing the non-profit organization that runs it. Millions of non-profits around the world rely on .org domain. Yet, the Internet Society, the American nonprofit organization founded in 1992 to provide leadership in internet-related standards, decided to sell it, causing concern that fees to renew domain names will drastically increase in order for the firm to recoup its billion-dollar investment. Proponents of the deal reasoned that competition will keep renewal prices in check, but non-profit associations with established web addresses are wary to risk changing their web address and losing their online identity—in doing so, organizations may not be found by clients and donors under a new web address.

Advocates applaud the Fed’s faster payments system, but urge fraud protection
Consumer and privacy advocates applauded the announcement by the Federal Reserve Board (the Fed) that it will develop a real-time payment system, while urging the Fed to ensure protection against scammers and criminals who use faster payment systems to receive and move money.

A new bill aimed at helping students lacks robust borrower protections
Consumer Action joined over 40 organizations in a letter to Senator Lamar Alexander to express concerns regarding his recently introduced bill, the Student Aid Improvement Act. Unfortunately, the bill fails to include any provisions that hold low-quality and sometimes predatory colleges accountable, and better protect students and taxpayers. Any reauthorization of the Higher Education Act (HEA) must include robust consumer protections.

New proposed rule empowers debt collects and their attorneys
In an effort to update the rule that governs debt collectors, the Consumer Financial Protection Bureau released a proposed rule that would make debt collector harassment worse for consumers.

The never-ending scourge of unwanted calls continues to plague Americans
As consumers continue to be overwhelmed with unwanted robocalls, advocates urge the Federal Communications Commission to go beyond its initial proposal and require phone companies to implement caller-ID authentication technology, opt-out tools for scam calls, and opt-in call-blocking tools for other unwanted calls.

Equifax data breach demonstrates the need for stronger cybersecurity regulation
As the Federal Trade Commission proposes amendments to its Safeguards Rule, consumer and privacy advocates urge for stronger data privacy regulations regarding nationwide consumer reporting agencies, including Equifax, Experian and TransUnion, and other high-risk sectors, including tax preparers and financial technology firms.

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