Postings

Groups request consumer protections for energy-related home improvement loans tied to utility bills
Consumer advocates urged the CFPB and the FTC to issue guidance on TOB loans—financing extended to consumers for energy-related projects. The payments for these loans are placed on consumers’ utility bills without the protections required for installment debt. Nonpayment can result in the loss of essential utility service.

Utility pole access is barrier to widespread broadband deployment
Groups supportive of increased broadband deployment in underserved areas call on Congress to ensure a fast, fair process for privately owned utility pole access. Because poles are owned by private carriers, disputes often arise over their use by third parties and more equitable rights for access and dispute resolution could help deploy broadband more widely by using existing pole networks.

The pandemic’s impact on the digital divide: Low-income Americans need help now
The pandemic didn't create the digital divide, but it has certainly exacerbated it. Consumer Action and National Consumers League wrote to the Federal Communications Commission to applaud its efforts to bring broadband internet connection to low-income households during the COVID-19 pandemic through the Emergency Broadband Benefit Program, and its efforts to expand the Lifeline program to reach more low-income households. Today, Lifeline recipients can use a modest $9.25 monthly subsidy to connect to phone and/or internet services, yet only 1-in-4 eligible households enrolls in the program. As Americans continue to work, attend school, and conduct healthcare appointments online during the pandemic, it is critical that everyone has access to broadband internet.

California legislators urged to make significant investments in public broadband
Consumer Action joined advocates in urging California legislators to support the state bill "Broadband for All" (SB 4), which enables local governments to make a massive billion-dollar investment in public infrastructure by unlocking the bond market for local communities. The pandemic has highlighted the dire need to move quickly on providing broadband access, especially to underserved and underinvested communities. With one in eight families in California disconnected, and nearly one million school-aged children with no internet connection, the lack of access is creating additional hardships during a time when connectivity is more essential than ever.

Robocall madness: It’s time to stop the scams and abuse
In a letter to the ranking members of the Subcommittee on Communications and Technology and Committee on Energy and Commerce, advocates announced their support of the bipartisan Stopping Bad Robocalls Act (H.R. 3375). They urged legislators to support the bill without amendments in order to stop the abuse all Americans endure through robocall violations.

Bill would damage credit scores of million of consumers
Consumer Action joined the National Consumer Law Center and other organizations in opposition to HR 435—legislation that 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.

Unnecessary FCC rule continues to threaten consumers’ privacy
Consumer Action joined coalition advocates in urging the Federal Communications Commission to repeal a rule that requires phone companies to retain the detailed call records of their customers, saying it’s unnecessary and threatens consumer privacy. The rule, known as the data retention mandate, is unduly burdensome and ineffectual and poses a threat to American consumers’ privacy and security.

Monitoring availability and affordability of auto insurance requires key data
Consumer advocates have long argued that low-income drivers are price-gouged when it comes to car insurance quotes. In response, the Federal Insurance Office (FIO) set a standard that recognizes auto insurance as “unaffordable” when the average premium in a community exceeds two percent of the community's median household income. The FIO is also preparing to publish its first report on auto insurance affordability with help from the insurance industry. Advocates are urging the FIO to require mandatory participation from some of the biggest insurance companies, instead of relying on the companies’ voluntary submission of data. The group also asks the office to evaluate premiums at the zip code level to ensure the affordability analysis accurately represents the cost of insurance around the nation.

Proposed bill would damage credit scores of millions
Consumer Action joined consumer and civil rights advocacy groups in expressing their opposition to The Credit Access and Inclusion Act of 2016 (H.R. 4172). Proponents of the bill argue it helps those with little or no credit build their credit scores by allowing utility and telecom companies to repot their customers’ on-time payments to credit-reporting agencies. However, this proposed legislation will preempt existing state and local privacy protections that prevent companies from sharing a customer’s financial information without their consent. It would also create a negative credit score for “thin file” or “no file” consumers–consumers who are disproportionately from low-income and moderate-income African American communities. For areas like employment and insurance–where a negative credit report or low score could harm job prospects or increase rates–it is often better to have no credit history.

A strong FCC preserves net neutrality
Consumer Action joined other consumer rights and privacy advocates in sending a letter to House of Representatives leadership expressing opposition to H.R. 2666, the “No Rate Regulation of Broadband Internet Access Act.” This bill would strip the Federal Communications Commission (FCC) of authority to review certain practices of broadband providers related to their customers’ privacy. Despite its name, the bill has much less to do with preventing the FCC from setting rates for broadband service than with preventing the FCC from investigating practices that may undermine the open Internet rules.

Quick Menu

Facebook FTwitter T