A bill introduced in the U.S. House of Representatives, H.R. 3213, Restoring Court Authority Over Litigation Action of 2025 (Fitzgerald, Barr, and Meuser), would harm consumers by removing important protections against abusive litigation conduct by attorneys. This bill would: Congress amended the FDCPA in 1986 to prevent abusive collection practices by attorneys. H.R. 3213 would protect attorneys…
S1310/A4598 will hurt New Jersey consumers by legalizing debt adjustment, also known as debt settlement. Debt adjustment is one of the worst options for people in debt.
In November 2024, a provision in the Economic Development bill (Section 269) created a dangerous loophole for homeowners by granting a blanket waiver of liability for non-profit Shared Appreciation Mortgages (SAMs), stripping away crucial consumer protections and leaving homeowners vulnerable to predatory lending practices. H.3954 / S.731 closes the loophole created by Section 269 and…
Below is a list of common consumer problems coupled with state-based policy solutions and links to more in depth resources.
Read More about What States Can Do To Help Struggling Consumers
Credit reports and scores, tenant and employment screening reports, and other background checks all impact fundamental necessities in a consumer’s life: the ability to rent an apartment or buy a home, obtain insurance, find a job, open or keep a bank account, and obtain fairly priced credit. Yet each one of these categories of “consumer…
Read More about 2024 Credit & Consumer Reporting Priorities to Promote Economic Stability
