Legislation

We fight to approve the laws that protect low-income consumers. Visit Congress.gov for the status of a federal bill or to contact a member by phone or email (or call the Capitol Switchboard at (202) 224-3121). You can find out who your U.S. representative is here, and Members’ Twitter handles are here.

Note: For more materials on a particular subject area, visit Our Work page.

Federal Legislation

118th Congress (2023-2024)

Access to Justice

• H.R.2953 (Rep. Johnson)/S. 1376 (Sen. Blumenthal), Forced Arbitration Injustice Repeal (FAIR) Act. Support (letter); Press release 
• S.1408 (Sen. Booker)/H.R. 3038 (Rep. Allred), Ending Forced Arbitration of Race Discrimination Act of 2023. Support.
• S.3459 (Sen. Wyden), End Double Taxation of Successful Consumer Claims Act. Support (letter).

Banking, Payments & Remittances

• H.R.4763 (Rep. Thompson), Financial Innovation and Technology for the 21st Century Act. Oppose.
• S.1984 (Sen. Menendez)/H.R. 4128 (Rep. Payne), Payment Choice Act of 2023. Support.
• S.2669 (Sen. Warren), Digital Asset Anti-Money Laundering Act. Support.
• S.3538 (Sen. Brown), Close the Shadow Banking Loophole Act. Support (letter).

Consumer Protection Regulation

• H.R.1059 – SECURE Notarization Act of 2023. Oppose (letter).
• H.R.7440 (McHenry), Financial Services Innovation Act of 2023. Oppose (letter).
• H.B.4507 (Rep. Meyers-Martin), Credit Repair Organizations. Support (letter).
• S.3803 (Sen. Warren), Price Gouging Prevention Act of 2024. Support.
• H.R.6789 (Rep. Barr), Rectifying UDAAP Act. Oppose.
• H.R.6398 (Rep. Barr), Financial Institution Regulatory Tailoring Enhancement Act. Oppose.

Credit Reporting & Data Fairness

• S.3502 (Sen. Reed), Protecting Consumers from Abusive Mortgage Leads Act. Support.
• H.R.2656 (Rep. Torres), Trigger Leads Abatement Act of 2023. Support.
• H.R.4983 (Rep. Cohen), Equal Employment for All Act. Support.
• H.R.4560 (Rep. Pressley), Housing FIRST Act. Support.
• H.R.4907 (Rep. Frost, Maxwell), End Junk Fees for Renters Act. Support.
• H.R.6003 (Rep. Porter) / S.3103 (Sen. Merkley), Medical Debt Relief Act of 2023. Support.
• H.R.4198 (Rep. Rose), Protecting Consumers from Abusive Mortgage Leads Act. Support.
• H.R.802 (Rep. Loudermilk), Respecting State Housing Laws Act. Oppose.
• H.R.4311 (Rep. Trahan), the DELETE Act. Support.
• H.R.9991 (Rep. Nickel), To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, and for other purposes. Support.

Criminal Justice

• S.4435 (Sen. Booker), Families Over Fees Act. Support.
• S.2313 (Sen. Coons), Driving for Opportunity Act. Support.

Disaster Relief

• H.R.3219 (Rep. Cherfilus-McCormick), Federal Disaster Housing Stability Act. Support.
• H.R.8117 (Rep. Fletcher), Heirs Empowerment and Inheritance Rights Act of 2024 (HEIR Act of 2024). Support.

Energy Efficiency

• S.94 (Sen. Shaheen), Investing in State Energy Act. (Weatherization) Support.

Energy, Utilities & Telecommunications

• S.2827 (Sen. Hickenlooper)/H.R. 2827 (Rep. Peters), BIG WIRES Act. Support.
• Amendment #1237 (Sen. Rubio) to H.R. 4366 (minibus), Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, 2024. Oppose (letter).
• S.3024 (Sen. Durbin), Promoting Access to Broadband. Support.
• H.R.6929 (Rep. Clarke) / S.3565 (Sen. Welch) Affordable Connectivity Program Extension Act of 2024. Support.

Equity & Racial Justice

• H.R.7510 (Rep. Velázquez), Survivor Financial Safety and Inclusion Working Group Act. Support.
• H.R.8127 (Rep. Williams), Heirs’ Estate Inheritance Resolution and Succession Act of 2024 (HEIRS Act of 2024). Support.

High-Cost Credit

• H.R.7428 (Rep. Steil), Earned Wage Access Consumer Protection Act. Oppose (letter).
• S.2730 (Sen. Durbin), Protecting Consumers from Unreasonable Credit Rates Act of 2023. Support.
• H.R.1059 (Rep. Armstrong), Remote Notarization Act of 2023. Oppose (letter).
• D.C.B25-0609, Protecting Affordable Loans Amendment Act of 2023. Support (testimony).
• H.J. Res. 122 (Rep. Barr). Oppose.
• H.J. Res. 121 (Rep. Ogles)/H.J. Res. 122 (Rep. Barr)/S. J. Res. 70 (Sen. Scott), Resolution Disapproving CFPB’s Credit Card Late Fee Rule. Oppose (letter).
• H.R.8338 (Rep. Kim), Clarity in Lending Act. Oppose (letter).
• S.3549 (Sen. Reed), Predatory Lending Elimination Act. Support.
• H.R.9679 (Rep. Bonamici), Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. Support.

Homeownership & Foreclosure

• H.R.8198 (Rep. Bishop (GA), Rep. Davis (NC)), the Heirs Education and Investment to Resolve Succession (HEIRS) of Property Act.
• S. 3673 (Sen. Reed) Affordable Housing and Homeownership Protection Act. Support.
• S.2204 (Sen. Shaheen, Blumenthal, Fetterman), Manufactured Housing Tenant’s Bill of Rights Act of 2023. Support.
• S.2295 (Sen. Warner), LIFT Homebuyers Act of 2023. Support.
• S.2224 (Sen. Brown), Stop Predatory Investing Act. Support.
• S.3402 (Sen. Merkley)/H.R.6608 (Rep. Smith), End Hedge Fund Control of American Homes Act. Support.
• S.3784 (Sen. Reed), Preserving Homes and Communities Act of 2024. Support.
• S.3728 (Sen. Tester), Veterans Housing Stability Act of 2024. Support.
• S.4824 (Sen. Warren), American Housing and Economic Mobility Act. Support.

Language Access and Immigrant Rights

• H.R.2834 (Rep. Garcia), The Community Finance Language Inclusion Act. Support. Press Release.
• H.R.2835 (Rep. Garcia), The Multilingual Financial Literacy Act. Support. Press Release.

Payments & Payment Fraud

• S.1323 (Sen. Merkley), SAFE Banking Act. Neutral.
• S.3298 (Sen. Van Hollen), Consumer Online Payment Transparency and Integrity Act. Support.

Student Loans

• H.R.2498 (Rep. Huffman), Private Loan Disability Discharge Act. Support.
• S.1963 (Sen. Sanders)/H.R.4117 (Rep. Jayapal), College For All Act. Support.
• H.R.5894 (Rep. Lawler, Espaillat, Davis, Pappas), House FY24 Labor, Health and Human Services, Education, and Related Agencies Appropriations Act. Oppose (letter).
• S.3404 (Sen. Durbin), Student Loan Borrowers Bill of Rights Act. Support.
• H.R.6951 (Rep. Foxx), College Cost Reduction Act. Support (letter).
• H.J.Res.88 (Rep. McClain). Oppose (letter).
• S.3107 (Sen. Durbin), Court Legal Access and Student Support (CLASS) Act of 2023. Support.
• S.3727 (Sen. Durbin), Proprietary Education Oversight Task Force Act. Support.

Legislative Archive

What States Can Do

State Model Laws