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.



FCC should prioritize protecting consumers from widescale nuisance and fraud facilitated through unwanted and illegal text messages
Advocates filed comments with the FCC urging the agency to take steps to protect consumers from unwanted and illegal text messages, including illegal telemarketing texts; fundraising, political, survey and similar types of messages; scam robotexts; and non-SMS text messaging.

Agencies should ensure that hurricane victims are protected from negative credit reporting in aftermath of disaster
In a letter to CFPB, OCC, FHFA, FHA, FDIC, NCUA and FRB, Consumer Action and 25 other advocacy organizations urged agencies to help protect the credit reports and scores of consumers impacted by Hurricane Fiona and Hurricane Ian.

Effort to ensure safe airplane seat size continues in comments to the FAA
Consumer Action was one of a half dozen groups that submitted a comment to the Federal Aviation Administration (FAA) urging the agency to place an immediate moratorium on reducing airline seat size, update its emergency evacuation testing standards—upon which safe seat size determination depends—and establish, on a provisional basis, a minimum seat size of 32 inches in pitch (roughly, legroom) and 20 inches in width.

Coalition supports CFPB plan to expand data gathered as part of complaint process
Consumer Action led allies in a comment to the Office of Management and Budget supporting the CFPB’s plan to expand the data gathered from consumers who file a complaint with the agency in an effort to better monitor, analyze and report on access to fair and affordable credit for underserved communities.

Coalition asks CFPB to issue a rule that would prohibit medical debts from appearing on credit reports if the debts arose from medically necessary services
Consumer Action was one of 91 consumer, civil rights, healthcare and advocacy organizations signed on to a letter urging the Consumer Financial Protection Bureau to begin the process of issuing a rule that would prohibit medical debts from appearing on credit reports if the debts arose from medically necessary services.

FTC and DOJ must rein in fraudulent review brokers to protect consumers and honest businesses
Consumer Action and allies asked the Federal Trade Commission and the Department of Justice to use their authority to crack down on reviews brokers, which sell fake reviews of products and services. The fraud results in significant economic harm to consumers and honest businesses and a deterioration of trust in online reviews.

Advocates ask CFPB to take action against mortgage lenders, servicers and debt collectors for their handling of “zombie” second mortgages
Nearly three dozen advocacy organizations voiced their concerns to the CFPB about “zombie” second mortgages—risky subprime loans that have seen no activity for many years—that are coming back to life and threatening to strip (mostly lower-income, BIPOC and older borrowers) of their homes and equity.

Effort to get forced arbitration clauses out of consumer contracts continues
Consumer Action and more than a hundred other advocacy groups called on the CFPB to use the agency’s authority to limit forced arbitration clauses in consumer financial contracts.

FTC urged to strengthen protections for consumers who buy, finance or lease motor vehicles through dealers
The Federal Trade Commission has proposed a rule to ban junk fees and bait-and-switch advertising tactics that can plague consumers throughout the car-buying experience. More than 100 advocacy organizations signed on to a letter to the agency applauding its efforts and urging it to strengthen the rule to incentivize fairness, encourage competition, address additional unfair and deceptive dealer practices, and give consumers meaningful relief when they have been defrauded.

CFPB should use its authority to curb job training programs that leave employees indebted to employers
Consumer Action joined allies in urging the Consumer Financial Protection Bureau to use its existing authority to protect workers and working families from predatory loans in the form of Training Repayment Agreement Provisions (TRAPs)—employment contract provisions that require an employee to repay the cost (plus interest and fees) of on-the-job training (often of dubious quality or necessity) if they try to leave their job.

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