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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.


Best practices for identity theft services
Consumer Federation of America (CFA) released Best Practices for Identity Theft Services Version 2.0, updating the guidance that it originally issued in 2011 to encourage for-profit identity theft service providers to follow responsible practices. The revised copy addresses new trends and issues that have arisen in the identity theft service marketplace and strengthens some of the original provisions. With security breaches and identity theft cases so much in the news, it’s important for purchasers of these services to understand what they’re getting and for consumers to be treated fairly.

Lawmakers open the door for discrimination when buying a car
Consumer Action joined consumer advocates in opposing the Reforming CFPB Indirect Auto Financing Guidance Act (H.R. 1737) which allows racially discriminatory car lending practices. If the bill passes, it could restore a system that routinely charges black and Latino borrowers hundreds of dollars more for car loans than similarly-qualified white borrowers.

Expanding debt collection protections to those who need it most
Consumer Action joined coalition advocates in supporting Senator Cory Booker’s (D-NJ) efforts to protect consumers by introducing the Stop Debt Collection Abuse Act of 2015 (S.2255). Booker’s bill is an important step on the road to limiting abusive debt collection of debts owed the federal government. Current state and local government debt collection practices (including taxes, fines and legal penalties) disproportionally burdens low-income communities and minority families. This bill seeks to protect consumers from these unfair practices.

The highway bill turned into a dangerous road for consumers
A $325m transportation funding bill has been saddled with 260 amendments as legislators attempt to sneak their preferred provisions into law. The proposed Highway Trust Fund bill contains 181 amendments that are transportation related, while 88 of the amendments are non-transportation related and hazardous to consumers. Consumer advocates oppose several of the bill’s amendments that include efforts to weaken the Consumer Financial Protection Bureau, deregulate large regional banks and outsource IRS debt collection to private collectors. All of these measures are substantive and deserve individual debate instead of being grouped in with unrelated legislation.

Payment processors can play a key role in mitigating fraud
With the increasing role of electronic commerce and the alarming escalation of data breaches, stronger efforts to deter, detect and remedy fraud are needed. Third-Party Senders (also called payment processors) play a critical role in many fraudulent schemes by enabling scammers to take unauthorized and fraudulent charges from consumers’ accounts. However, registration requirements and enforcement tools will help NACHA protect consumers by preventing fraud.

Protect victims of Experian breach
In the wake of a massive data breach affecting Experian’s computers holding 15 million files of T-Mobile customers and applicants, consumer and privacy advocates are urging Experian and T-Mobile to pay to place credit, or security, freezes on all three of each victim’s credit reports. Only the security or credit freeze, available in any state, stops new account identity theft. Potential victims should freeze all of their “Big 3” credit reports from Experian, Equifax and TransUnion.

Financial professionals should act in their clients’ best interest
Consumer Action joined coalition advocates in urging Congress to vote NO on the misnamed “Retail Investor Protection Act” (H.R. 1090) when the bill comes up for a vote in the Financial Services Committee. H.R. 1090 is a clear attempt to cripple and delay the Department of Labor’s ability to implement protections for retirement savers while providing fair and flexible terms for well-meaning financial firms.

Don’t restrict the CFPB’s oversight of auto financing issues
In the latest effort to restrict the Consumer Financial Protection Bureau’s (CFPB) jurisdiction, legislators target the agency’s regulatory power over the auto financing industry. The “Reforming CFPB Indirect Auto Financing Guidance Act” (H.R. 1737) places unnecessary restrictions on the agency and is designed to hamper the agency’s attempts to bring fairness and transparency to the auto lending market.

Policy riders threaten vital public safeguards, hijack budget process
A coalition of 178 groups is urging President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains inappropriate and ideological policy riders. These riders would jeopardize policies that restrain Wall Street abuses; guarantee clean air, food and water; ensure safe consumer products and continued access to vital health care services; keep homes and workplaces safe; prevent consumer rip-offs; and hold big corporations accountable for wrongdoing.

“Full file” reports undermine existing protections and harm consumers credit
Consumer advocates wrote Congress in opposition of H.R. 3035, the Credit Access and Inclusion Act of 2015. This legislation, if enacted, would preempt state utility regulatory and legislative authority, risk damaging the credit scores of millions of low-income consumers and conflict with long-standing state utility regulatory consumer protections.

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