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.



Republican tax bill will cost low-to-moderate income taxpayers
Consumer Action and a number of other public interest groups have been active in opposing the Republican tax bill due to its negative impact on low-to-moderate income consumers, particularly homeowners, those looking to become homeowners and those seeking affordable rental housing. The tax bill also undermines community and economic development.

Using homebuyer data to keep lenders honest, stop housing discrimination
Housing and public interest groups are urging the Consumer Financial Protection Bureau to collect and release data that will help policymakers and other invested groups determine if lenders are serving the housing needs of their communities. The data is also invaluable in helping to combat discriminatory home lending practices.

Bill would create weaker protections, costlier loans for many homeowners
Consumer groups sent a letter to Congress opposing a bill that would harm the buyers of manufactured housing (commonly known as mobile homes) by allowing manufactured housing lenders to issue high-cost, dangerous loans.

Legislation lets lenders saddle consumers with predatory home mortgages
Consumer and housing advocates are pushing back against two bad bills in the U.S. House that would undermine existing homebuyer safeguards and allow lenders to issue predatory mortgage loans.

Federal government should not be financing gentrification of low-income neighborhoods
Consumer Action joined legal service offices, housing and consumer credit counseling agencies, base organizing groups and civil rights organizations in expressing strong concerns over the Federal Housing Finance Agency's oversight of Government Sponsored Entities (GSEs) and the Federal Home Loan Bank System enabling the displacement of low-income people and people of color.

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.

Do not exempt mortgage lenders from reporting on underserved communities
Groups oppose legislation that would exempt certain lenders from reporting on closed-end mortgage loans if the depository institution originated fewer than 1,000 such loans in each of the two preceding years.

FHFA affordable housing goals laudable, but more can be done for low-income communities
Advocates submit comments to the Federal Housing Finance Agency regarding its efforts to improve strategies that ensure those from low-income communities have better access to affordable housing and homeownership.

Elderly in homes might be deprived the right to sue for abuse and neglect
Dozens of groups in the Fair Arbitration Now Coalition submitted public comments to the Centers for Medicaid and Medicare Services (CMS) opposing its proposal to eliminate protections for seniors who are harmed by mistreatment and legal violations in nursing homes.

The FHFA should make mortgages more accessible to people with LEP
In 2014, approximately 25.3 million individuals, roughly 9 percent of the U.S. population, were considered limited English proficient (LEP). Despite this sizable need and opportunity, the language needs of many current and potential homeowners are left unmet in the mortgage marketplace.

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