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.

 

Postings

Prioritizing health equity to overcome the coronavirus pandemic
The COVID-19 pandemic has exposed stunning gaps in the U.S. public health and health care systems and highlighted the negative effects of hundreds of years of structural inequities and systemic racism on our communities. The U.S. COVID-19 response has been marked by politicization of public health, skepticism of science, and a lack of a national plan. For people with disabilities, low-income families, communities of color, and those living in congregate settings, COVID-19 has exacerbated inequities with fatal consequences. Advocates joined together in making recommendations to the Biden administration: from community mitigation to testing and tracing to safe quarantine, working and sharing lessons with nations around the world. An equitable and fair COVID-19 response ensures the safety and healthcare needs of our most vulnerable communities.

Protect limited-English speakers from harmful debt collection practices
A coalition of consumer, civil and human rights, labor, community and legal services organizations wrote to the Consumer Financial Protection Bureau (CFPB) to voice concerns with the Bureau’s approach to consumers with Limited English Proficiency (LEP) in the recently finalized Debt Collection Practices (Regulation F) rule. There are many misconceptions about debt collection laws that are heightened by language barriers, leaving LEP consumers vulnerable to harassment and exploitation. Providing enhanced language access is essential to protect LEP consumers and provides the CFPB with the ability to enforce critical consumer rights.

Advocates urge the Biden administration to reject Big Tech appointments to his cabinet
In a letter to President-elect Biden, consumer and privacy advocates urged the President-elect to avoid appointing representatives from tech giants like Amazon, Apple, Facebook and Google to his cabinet. These companies represent serious threats to privacy, democracy, innovation and to Americans’ economic well-being. Advocates warned that representatives from these companies should not hold positions of power within our government. Instead, advocates urged Biden to assemble a team of advocates that will represent working Americans and not the Big Tech companies that work to exploit them.

Allies urge CFPB Director not to weaken its enforcement arm
A coalition of more than 80 consumer and civil rights groups urged the Consumer Financial Protection Bureau’s (CFPB) Director Kathy Kraninger to "abandon" her "October Surprise" proposed reorganization. Instead of strengthening the arm of the CFPB that holds predatory financial institutions accountable, the proposal would drastically weaken its authority, independence, and ultimately, effectiveness, leaving consumers vulnerable and defenseless during an already financially stressful time.

The next COVID-19 relief package should include these critical consumer protections
Millions of people and small businesses in the United States are experiencing tremendous financial distress because of the COVID-19 pandemic. Unemployment is skyrocketing and families are struggling to put food on the table. Congress and the administration need to enact broad-based, efficient, and effective relief that goes far beyond the CARES Act to protect people’s homes, cars, bank accounts, income, and benefits so that they can weather this crisis. Consumer Action joined nearly 100 consumer, civil rights, community and other public interest groups weigh in on recommendations for Congress' next stimulus package.

Advocates call foul as CFPB hides consumer complaint narratives from public view
Consumer Action joined nearly three dozen consumer, civil rights, community, housing, and privacy groups in urging the Consumer Financial Protection Bureau (CFPB) to reconsider its decision to bury the narratives of consumer complaints, making it much harder for non-experts to find this essential material in its consumer complaint database. Access to the complaint narratives helps to educate and empower consumers to make wise financial decisions and meets the Bureau’s mandate to inform and protect consumers. Public access to this critical information also helps to hold companies accountable for their behavior in the financial marketplace.

Proposed Senate bill fails to Protect Student Borrowers during pandemic
Consumer Action joined 55 other organizations in submitting a letter to Senate leadership in opposition to the Safely Back to School and Back to Work Act. This proposed legislation falls far short of what young Americans need and should expect from their elected leaders. Rather than extend vital support during a dual public health and economic crisis, this bill would leave millions of student loan borrowers without protections while failing to extend and expand a repayment suspension put in place by the CARES Act. Doing so would only make the burden of student debt heavier, leaving many young Americans financially insecure.

Millions of struggling families need housing counseling now
In the economic fallout of the current pandemic, more than 20 million Americans are out of work. Black and Latino workers are experiencing disproportionate economic challenges, including an unemployment rate of 16.8 percent and 17.6 percent, respectively. American households are expected to face a wave of evictions and foreclosures even worse than they experienced in the last financial crisis. Coalition advocates wrote to Congress in support of the Coronavirus Housing Counseling Improvement Act, which expands access to housing counseling so that these individuals and families can get help in finding affordable ways to stay in their homes.

HUD must do more to protect older reverse mortgage borrowers
Advocates sent a letter to the U.S. Department of Housing and Urban Development (HUD) seeking stronger protections for reverse mortgage borrowers in response to the COVID-19 pandemic. The agency announced a 60-day halt on foreclosures of all FHA-insured mortgages, but this timeframe falls short in light of projections of the long-term impact of this crisis.

Congress: Pass a clean budget for FY2021
Advocates called on Congress to pass an upcoming federal budget that funds the things that Americans care about, not undo essential consumer and environmental safeguards through policy riders. Policy riders are attached to legislation and rarely have anything to do with the bill. In fact, most riders are handouts to big corporations and special favors for interest groups that could not become law on their own merits. As Congress prepares the federal budget for fiscal year 2021, no appropriations titles, package of bills, or continuing resolutions should pass if they contain poison pill policy riders that go against the public interest, including policies that ensure safe and healthy food, restrain Wall Street abuses, provide access to justice and fair housing, and guarantee access to safe healthcare.

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