White House UpSkill Summit

04/24/2015

At today’s White House Upskill Summit, the Administration announced new steps to help realize the full potential of America’s workforce by empowering workers with the education and training they need to develop new skills and earn higher wages. Over 100 leading employers, who employ more than 5 million workers made concrete commitments to empower front-line workers across their businesses, in partnership with 30 national labor unions, and accelerated by new innovative data and tools. During his State of the Union address earlier this year, the President launched a new Upskill Initiative, calling on businesses to help workers of all ages earn a shot at better, higher-paying jobs, even if they do not have a higher education. The commitments announced today already represent significant action and progress since the President’s January call to action.

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What They’re Saying: Businesses are Ready to Join the President to UpSkill America

Lindsay Holst January 26, 2015  01:24 PM EDT

In his State of the Union address and again at Boise State days later, the President called on more employers to adopt or expand measures to help workers gain the skills and credentials to advance into better paying jobs – including by expanding registered apprenticeships, increasing uptake of tuition benefit programs that pay for a worker to complete their college education, offering on-the-job training for career progression, and increasing access to technology-enabled learning tools.

Tonight, I’m also asking more businesses to follow the lead of companies like CVS and UPS, and offer more educational benefits and paid apprenticeships — opportunities that give workers the chance to earn higher-paying jobs even if they don’t have a higher education.

– President Obama, State of the Union Address, January 20, 2015

This initiative to Upskill America includes important steps by employeers, educators, and others in the private sector. That’s why more than 30 employers are already answering the President’s call to grow apprenticeships, support thousands of workers to earn a college degree for free while they are working, and providing a clear path upward for employeers who develope and demonstrate critical skills in the field. It’s also why President Obama is calling on Congress to invest over $2 billion to expand registered apprenticeships and spread high-quality training programs.

For more: https://www.whitehouse.gov/blog/2015/01/26/what-theyre-saying-businesses-are-ready-join-president-upskill-america

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Leading Employers Commit to Boost Worker Education, Job Training to Expand Economic Opportunity for 24 Million American Frontline Workers

April 24, 2015 upskillamerica.org

Washington, DC, April 24, 2015 – A White House Summit will convene today to address the critical need expand economic opportunity for low-wage workers and develop a more skilled workforce. At the same time, top U.S. business and workforce leadership in the UpSkill America partnership will announce new commitments to bolster their investment in frontline employee education and training.

Launched in January, UpSkill America is a coalition of business, labor, education, workforce training, and human resource organizations leading a national movement to provide the 24 million American workers stuck in low-skill jobs the opportunity to gain the education and training they need to move into higher-skill roles. The UpSkill America network’s collective membership includes hundreds of employers and labor partnerships representing millions of workers across the country.

UpSkill America partners played an integral role in bringing together the diverse group of 150 employers, labor leaders, non-profits, educators and technology innovators at the White House Upskilling Summit today. Together, these organizations are leading the way in providing more workers with stepping stones to advance on a career path and into the middle class.

New upskilling efforts unveiled at the summit include one hundred employers expanding access to apprenticeships and on-the-job training, as well as thirty national and local labor unions and non-profit groups working with employers to expand access to best practice training strategies. The focus of these efforts will center on industries like retail and hospitality and in small businesses that employ millions of low-wage workers. New data and tools for workers and employers were also released, among them:

“Businesses have a vital role to play in expanding the talent pipeline in our country,” said John Colborn, director of the Aspen Institute’s Skills for America’s Future, which is facilitating the work of UpSkill America. “UpSkill America is committed to sharing best practices, providing resources like new data and tools for employers to help enhance their workforce development practices and move the needle on addressing the national workforce skill shortage.”

For more: http://www.upskillamerica.org/press-release-leading-employers-commit-to-boost-worker-education-job-training-to-expand-economic-opportunity-for-24-million-american-frontline-workers/

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Paycheck Fairness Act – Isn’t It About Time?

04/13/2015

Equal Pay - Women Breadwinners

The Paycheck Fairness Act is proposed legislation that would add procedural protections to the Equal Pay Act of 1963 and the Fair Labor Standards Act as part of an effort to address male–female income disparity in the United States. A Census Bureau report published in 2008 stated that women’s median annual earnings were 77.5% of men’s earnings, newer studies suggest, when the data is controlled for certain variables, the residual gap is around 7%, the same study concludes that the residual is due to the fact that “hours of work in many occupations are worth more when given at particular moments and when the hours are more continuous. That is, in many occupations earnings have a nonlinear relationship with respect to hours.”

The House of Represen­tatives approved the bill in January 2009. The United States Senate failed to move the bill forward in November 2010. President Barack Obama said in March 2011 that he will continue to fight for the goals in the Paycheck Fairness Act. The bill was reintroduced in both houses of Congress in April 2011.

The 2010 bill had no Republican Party co-sponsors, though a group of four Republican senators had supported an earlier bill to address gender-based wage discrimination, including Susan CollinsKay Bailey HutchisonLisa Murkowski and Olympia Snowe. On June 5th, 2012 the bill fell short of the 60 votes necessary to override a filibuster and did not make it to the Senate floor for debate. The vote went along party lines, excluding a vote against by Democrat Harry Reid. (A vote which left Democrats the option to introduce the bill again at a later time.) On April 9, 2014, in another straight-party-line vote, the Paycheck Fairness Act (S. 2199; 113th Congress) was again blocked by a Republican filibuster in the U.S. Senate. Once again, Senator Reid changed his vote from support to oppose, as a tactical maneuver to keep the bill alive.

The 2010 Senate version of the bill had the support of the Obama administration and that of Democrats in the Senate. The American Civil Liberties Union supported S.182, citing the 2008 data from the United States Census Bureau that women’s median annual earnings were 77.5% of the male median, African-American women’s median annual earnings were 64% of the white male median, and Hispanic women’s median annual earnings were 54% of the white male median. The American Association of University Women also supported the bill, citing the organization’s 2007 research report, Behind the Pay Gap, which showed that women earn less than their male colleagues just one year out of college. The pay gap has widened 10 years after graduation.

Source: http://en.wikipedia.org/wiki/Paycheck_Fairness_Act

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Presidential Proclamation — National Equal Pay Day, 2015

NATIONAL EQUAL PAY DAY, 2015

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BY THE PRESIDENT OF THE UNITED STATES OF AMERICA

A PROCLAMATION

In the United States, the promise of opportunity is built on the idea that everyone who works hard should have the chance to get ahead.  This creed is at the core of our democracy, and it is central to our belief that America does best when all people are able to share in our Nation’s prosperity and contribute to our success.  Yet every day, countless women perform the same work as their male colleagues only to earn less than their fair share.  On National Equal Pay Day, we mark how far into the new year women would have to work just to earn the same as men did in the previous year, and we renew our efforts to end this injustice.

On average, full-time working women earn 78 cents for every dollar earned by men, and women of color face an even greater disparity.  This wage gap puts women at a career-long disadvantage, and it harms families, communities, and our entire economy.  Today, in more than half of all households, women are breadwinners — 49 million children depend on women’s salaries.  But our economy and our policies have not caught up to this reality.  When women experience pay discrimination it limits their future, and it also hurts the people they provide for.  It means less for their families’ everyday needs, for investments in their children’s futures, and for their own retirements.  These effects reduce our shared prosperity and restrict our Nation’s economic growth.  Wage inequality affects us all, and we each must do more to make certain that women are full and equal participants in our economy.

When we take action to help women succeed, we help America succeed, and my Administration is committed to ensuring women have every opportunity to reach their fullest potential.  The first bill I signed as President was the Lilly Ledbetter Fair Pay Act, and the following year — to crack down on violations of equal pay laws — I created the National Equal Pay Task Force, which to date has helped women recover millions of dollars in lost wages.  If workers do not know they are underpaid, they cannot challenge the inequality; that is why we are going to require Federal contractors to submit data on employee compensation, including data by sex and race, and why last year I signed an Executive Order prohibiting Federal contractors from retaliating against employees who choose to discuss their pay.  And I continue to call on the Congress to pass the Paycheck Fairness Act to protect all people’s fundamental right to a fair wage.

For more: https://www.whitehouse.gov/the-press-office/2015/04/13/presidential-proclamation-national-equal-pay-day-2015

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Did You Know That Women Are Still Paid Less Than Men?

On average, full-time working women earn just 77 cents for every dollar a man earns. This substantial gap is more than a statistic — it has real life consequences. When women, who make up nearly half the workforce, bring home less money each day, it means they have less for the everyday needs of their families, and over a lifetime of work, far less savings for retirement.

President Obama supports passage of the Paycheck Fairness Act, a comprehensive and commonsense bill that updates and strengthens the Equal Pay Act of 1963, which made it illegal for employers to pay unequal wages to men and women who perform substantially equal work.

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GET THE FACTS

GOP Blocks Equal Pay

Senate Republicans again kill Paycheck Fairness Act

4/09/14 01:06 PM – Steven Benen – maddowblog

The third time was not the charm. Democratic efforts to pass the Paycheck Fairness Act failed to overcome Republican opposition in the 111th Congress and the 112th Congress, and as of this morning, it failed once again at the hands of a GOP filibuster.

Senate Republicans filibustered a debate on a Democratic pay equity bill backed by President Barack Obama Wednesday.

Sixty votes were needed to allow the bill to be debated on the Senate floor, but Republicans refused to allow the bill to come up for debate after complaining Democrats weren’t allowing votes on their amendments.

The roll call from the vote is online here. Note that the final tally was 54 to 43 – six votes shy of the supermajority needed to end Republican obstructionism – but Senate Majority Leader Harry Reid (D-Nev.) switched his vote for procedural reasons, leaving it at 53 to 44.

The legislation received exactly zero Republican votes, as was the case with previous efforts to pass the bill.I

In case anyone needs a refresher, the Paycheck Fairness Act is a perfectly credidble piece of legislation that would “enhance the remedies available for victims of gender-based discrimination and require employers to show that wage differences are job-related, not sex-based, and driven by business necessity. The measure would also protect employees from retaliation for sharing salary information, which is important for deterring and challenging discriminatory compensation.”

As we’ve discussed, the Lilly Ledbetter Fair Pay Act was an important step forward when it comes to combating discrimination, but it was also narrowly focused to address a specific problem: giving victims of discrimination access to the courts for legal redress. The Paycheck Fairness Act is a broader measure.

Republicans have responded that they endorse the idea of equal pay for equal work, but in recent years, much of the party remains opposed to policymakers’ efforts to do something about it. (This morning, some GOP senators also raised procedural objections about amendments.)

As for the electoral considerations, aren’t GOP lawmakers worried about rejecting measures like these in an election year?

Apparently not.

Senate Republicans aren’t sweating a ramped-up push by Democrats and President Barack Obama for new pay equity legislation – pushing forward women Republicans to rebut charges they have a woman problem and doubting the issue will resonate with voters. […]

Republicans argue that the Democrats’ bill – along with their so-called “Fair Shot” agenda for the year – is a political ploy that will not fool voters.

I’m not sure who’s trying to fool whom in this model. Dems put together a bill; the bill is popular; and they’ve pushed it repeatedly for six years. That sounds less like a p.r. stunt and more like an effort to address a problem.

As for the midterms, Republicans have struggled of late with the gender gap. At a minimum, today’s vote won’t help.

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#EqualPayNow

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Good Jobs, Green Jobs 2015

04/12/2015

Good Jobs Green Jobs 2014Good Jobs, Green Jobs 2015 - Speaker Elizabeth WarrenGood Jobs, Green Jobs 2015

Good Jobs, Green Jobs 2015 takes place April 13 in Washington, D.C. at the Washington Hilton Hotel. Good Jobs, Green Jobs is the nation’s leading forum for strategizing and implementing environmental solutions that create and maintain quality, family-sustaining jobs and ensure the health and safety of our workplaces and communities.

This year’s Conference is focused on Energizing America. Our energy infrastructure is critical to determining how we address the threat of climate change, how we create family-sustaining jobs and increase global competitiveness, and how we protect the environment and secure the economy for generations to come. Accelerating the deployment of renewable energy, scaling up energy efficiency in our built environment, and upgrading and repairing our energy distribution systems are all critical components of achieving that goal.

The 2015 Conference will build upon the success of previous Conferences that brought together thousands of business, labor, environmental and non-profit leaders to turn ideas into action.

For more: http://www.greenjobsconference.org/about

Good Jobs, Green Jobs 2015 FaceBook: https://www.facebook.com/goodjobsgreenjobs

Good Jobs, Green Jobs 2015 Twitter: https://twitter.com/gjgjconference

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Monday, April 13, 2015
Vice President Biden delivers remarks
Good Jobs, Green Jobs 2015
Washington Hilton Hotel, Washington, D.C.

#GJGJ2015

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Nationwide Day of Action for Workers’ Rights 2015

04/03/2015

MLK Good Samaritan Speech - AFSCME Sanitation Worker's Strike

On April 4, 1968, Dr. Martin Luther King Jr. was assassinated in Memphis, where he had gone to stand with sanitation workers demanding their dream: The right to bargain collectively for a voice at work and a better life. The workers were trying to form a union with AFSCME.

Beginning with worship services over the April 3 weekend, and continuing through the week of April 6, unions, people of faith, civil and human rights activists, students and other progressive allies will host a range of community- and workplace-focused actions.

Join in solidarity with working people in Wisconsin, Ohio, Indiana and dozens of other states where well-funded, right-wing corporate politicians are trying to take away the rights Dr. King gave his life for: the freedom to bargain, to vote, to afford a college education and justice for all workers, immigrant and native-born. It’s a day to show movement. Teach-ins. Vigils. Faith events.

Stand up against the attack on the middle class and workers’ rights and to honor the life of Dr. Martin Luther King Jr., who died on April 4 defending workers in Memphis.

#RightToWork

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Saturday, April 4th, The King Center is calling for a moratorium on all forms of violence, with ‘No Shots Fired.’ “On that day,” said Ms. King, “we are asking that people abstain from shots fired by: 1. Tongue — speech; 2. Fists and physical violence; and 3. Guns – gun violence and media glorification of gun violence.

For more: http://www.thekingcenter.org/news/2015-03-king-center-commemorates-mlk-assassination-call-moratorium-violence

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Reining In Payday Loan Lenders

03/25/2015

Payday Loans

What is a payday loan?

11/6/2013 cfpb.gov

A payday loan – which might also be called a “cash advance” or “check loan” – is a short-term loan, generally for $500 or less, that is typically due on your next payday.

Payday loans generally have three features:

  • The loans are for small amounts.
  • The loans typically come due your next payday.
  • You must give lenders access to your checking account or write a check for the full balance in advance that the lender has an option of depositing when the loan comes due.

Other loan features can vary. For example, payday loans are often structured to be paid off in one lump-sum payment, but interest-only payments – “renewals” or “rollovers” – are not unusual. In some cases, payday loans may be structured so that they are repayable in installments over a longer period of time.

Some ways that lenders might give you the loan funds include: providing cash or a check, loading the funds onto a prepaid debit card, or electronically depositing the money into your checking account.

The cost of the loan (finance charge) may range from $10 to $30 for every $100 borrowed. A typical two-week payday loan with a $15 per $100 fee equates to an annual percentage rate (APR) of almost 400%. By comparison, APRs on credit cards can range from about 12 percent to 30 percent.

State laws and other factors can influence how much you can borrow and the fees you are charged. Some states do not have payday lending storefronts because these loans are not permitted by the state’s law, or because lenders may choose not to do business in a state rather than abide by the states’ regulations.

There are special protections through the Military Lending Act for active duty servicemembers and their dependents who use certain payday loans and other small dollar credit products.

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By the Numbers: 400 Percent

Nearly 20 million Americans use payday loans, which offer short-term funds at very high interest rates. Studies have found that the average interest charged on a two-week, $100 loan is about $16—a 400 percent interest rate.

Many people who rely on payday loans are often in desperate need of cash, making them more likely to agree to astronomical interest rates and hefty fees for late payments. But, more often than not, payday loan terms are not clearly explained upfront, if at all. Payday loans end up putting more strain on those who are already struggling financially, including people who have already depleted their resources due to extended unemployment, illness, or emergency, as well as members of the military and their families, who are often targeted by short-term lenders.

Today, the Consumer Financial Protection Bureau, or CFPB, launched the nation’s first program for supervising “non-bank” financial services, an extension of their bank supervision program that began last July. (A non-bank is a company that provides consumer financial services, but doesn’t take deposits or have a bank, thrift, or credit union charter.)

Under this new program, non-banks like payday lenders, as well as private mortgage companies and private education lenders, will be regulated and subject to federal oversight to ensure they play by the rules and don’t take advantage of consumers. CFPB will be able to establish regulations that require payday lenders to disclose borrowers’ obligations and responsibilities in clear, easy to understand terms, so that people know what they are agreeing to when taking out a payday loan.

“This is an important step forward for protecting consumers,” said Richard Cordray, Director of the CFPB. “Holding both banks and nonbanks accountable to consumer financial laws will help create a fairer, more transparent market for consumers. It will create a better environment for the honest businesses that serve them. And it will help the overall economic stability of our country.”

LEARN MORE ABOUT PAYDAY LOANS

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3/26/15 FACT SHEET: Progress Toward Building a Safer, Stronger Financial System and Protecting Consumers from Unfair and Abusive Practices

3/26/15 FACTSHEET: THE CFPB CONSIDERS PROPOSAL TO END PAYDAY DEBT TRAPS


President Obama hosts a roundtable on the economy
Lawson State Community College, Birmingham, Alabama

March 26, 2015
President Obama delivers remarks on
 loan rates and the economy
Lawson State Community College, Birmingham, Alabama

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U.S. Treasury’s Hardest Hit Mortgage Assistance Fund – 6th Anniversary

03/20/2015

MakingHomesAffordable-5-Year poster

Making Home Affordable Five Years Later

3/11/2014 By: Mark McArdle, Chief of the Homeownership Preservation Office

Since the launch of Making Home Affordable (MHA) in 2009, Treasury has worked diligently to help homeowners at risk of foreclosure, and stabilize the nation’s housing market.

So far, nearly two million mortgage assistance actions have been provided under MHA to offer relief to struggling homeowners. Treasury’s programs have also changed the way the industry interacts with its struggling borrowers. Many private sector modifications now look a lot like HAMP modifications, with over four million homeowners in private sector modifications benefiting from the framework of the HAMP program.

To date, there have been more than 1.3 million permanent mortgage modifications obtained by homeowners through MHA’s Home Affordable Modification Program (HAMP). Homeowners in HAMP save a median of approximately $544 on their mortgage payments each month, reducing their monthly payments by about a third. This meaningful payment reduction makes HAMP a more affordable and sustainable solution than many other programs in the marketplace today.

Over the last five years, MHA programs have continued to evolve, in response to changing conditions and the needs of the nation’s struggling homeowners. The Home Affordable Unemployment Program (UP) provides temporary relief to unemployed homeowners while they look for another job. Those needing to transition to more affordable housing can access short sales or deeds in-lieu-of foreclosure through our Home Affordable Foreclosure Alternatives (HAFA) program. And, underwater homeowners have received more than $13 billion in principal reduction through HAMP’s Principal Reduction Alternative (PRA) program.

Program changes and enhancements –from the assignment of a Single Point of Contact to the application of a standard modification protocol – have all helped and protected struggling homeowners.  Most recently, Treasury required the largest servicers in HAMP to offer financial counseling to homeowners who have received modifications under HAMP to help them stay current on their mortgage payments.

From launching three national Public Service Advertising campaigns to hosting more than 90 “Help for Homeowners” events, we have looked for ways to raise awareness of MHA and provide homeowners with the information and guidance they need to get in — and stay in — the program. The Homeowner’s HOPETM Hotline (888-995-HOPE), where homeowners can learn if they are eligible for MHA and receive free advice from HUD-approved housing counselors, is always just a phone call away. Not only is this MHA resource available 24 hours a day, but homeowners can get assistance in more than 170 different languages.

While the economy is showing signs of recovery, there are still many families in need of mortgage assistance. Given the continuing need to help these homeowners, MHA has been extended until December 2015.

For more: http://www.treasury.gov/connect/blog/Pages/Making-Home-Affordable-Five-Years-Later.aspx

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5/30/2013 Obama Administration Extends Application Deadline for the Making Home Affordable Program 

4/05/2013 Obama Administration Releases March Housing Scorecard

11/18/2010 Written Testimony of Chief of Homeownership Preservation Office Phyllis Caldwell Before the House Financial Services Subcommittee on Housing and Community Opportunity

8/11/2010 Obama Administration Announces Additional Support for Targeted Foreclosure-Prevention Programs to Help Homeowners Struggling with Unemployment 

8/04/2010 Obama Administration Approves State Plans For $600 Million of ‘Hardest Hit Fund’ Foreclosure Prevention Assistance

6/23/2010 Obama Administration Approves State Plans for Use of $1.5 Billion in ‘Hardest Hit Fund’ Foreclosure-Prevention Funding 

3/29/2010 Obama Administration Announces Second Round of Assistance for Hardest-Hit Housing Markets

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2006-2014 homevalues

 “I want to just tell you a quick story. Lorraine Cona, from Sun City, next door, she did everything right. She had a good job as a librarian. She bought a home she could afford. She wanted to retire in that home. She made her payments on time. Then, five years ago, through no fault of her own, she was laid off, and she started falling behind in her payments. She knew foreclosure was coming. She said, “I’d look out the window and I’d see somebody taking pictures of my house.

But when things seemed darkest, Lorraine learned about something called the Hardest Hit fund –- it’s a program that we created to help folks in states like Arizona that had been especially hard hit by the real estate crash. And they helped her make her late payments — because she had a great track record until she had lost her job. They set her up with financial counseling so she could stay on track. It wasn’t easy, but Lorraine repaired her credit. She refinanced her mortgage. And today, after a lifetime of hard work, Lorraine is retired, she’s back to making her payments every single month. She’s in her home. She was able to accomplish that. Even though it was scary at times, she got it done. Lorraine came back, just like Phoenix has come back. (Applause.) Just like Arizona has come back. Just like America has come back.

1/8/15 President Obama on the subject of Housing – Central High School, Phoenix, Arizona

 

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  The Homeowner’s HOPETM Hotline (888-995-HOPE)
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Consumer Bill of Rights

03/12/2015

jfk 1962 consumer bill of rights speech

On March 15, 1962, President John F. Kennedy (D) presented a speech to the United States Congress in which he extolled four basic consumer rights, later called the Consumer Bill of Rights. The United Nations through the United Nations Guidelines for Consumer Protection expanded these into eight rights, and thereafter Consumers International adopted these rights as a charter and started recognizing March 15 as World Consumer Rights Day.

Background
Before the mid-twentieth century, consumers had limited rights with regard to their interaction with products and commercial producers. Consumers had limited ground on which to defend themselves against faulty or defective products, or against misleading or deceptive advertising methods.

The consumer movement began to gather a following, pushing for increased rights and legal protection against malicious business practices. By the end of the 1950s, legal product liability had been established in which an aggrieved party need only prove injury by use of a product, rather than bearing the burden of proof of corporate negligence.

Helen Ewing Nelson was a drafter of the Consumer Bill of Rights and sought an outlet for distributing it. During Kennedy’s election campaign he made a promise to support consumers. After his election, Fred Dutton, a colleague of Nelson’s and a government officer who advised the president, asked for Nelson’s suggestions on how the president could support consumers, and she sent him the Consumer Bill of Rights. Kennedy presented those rights in a speech to Congress on March 15, 1962. In that speech he named four basic rights of consumers.

Four basic rights

The right to safety

The assertion of this right is aimed at the defense of consumers against injuries caused by products other than automobile vehicles, and implies that products should cause no harm to their users if such use is executed as prescribed. The right was further formalized in 1972 by the US federal government through the Consumer Product Safety Commission (CPSC). This organization has jurisdiction over thousands of commercial products, and powers that allow it to establish performance standards and require product testing and warning labels.

The right to be informed

This right states that businesses should always provide consumers with enough appropriate information to make intelligent and informed product choices. Product information provided by a business should always be complete and truthful. Aiming to achieve protection against misleading information in the areas of financing, advertising, labeling, and packaging, the right to be informed is protected by several pieces of legislation passed between 1960 and 1980.

Some of the legislation which was made because of the assertion of this right include the following:

The right to choose

The right to free choice among product offerings states that consumers should have a variety of options provided by different companies from which to choose. The federal government has taken many steps to ensure the availability of a healthy environment open to competition through legislation including limits on concept ownership through patent law, prevention of monopolistic business practices through anti-trust legislation, and the outlaw of price cutting and gouging.

The right to be heard

This right has the ability of consumers to voice complaints and concerns about a product in order to have the issue handled efficiently and responsively. While no federal agency is tasked with the specific duty of providing a forum for this interaction between consumer and producer, certain outlets exist to aid consumers if difficulty occurs in communication with an aggrieving party. State and federal attorney generals are equipped to aid their constituents in dealing with parties who have provided a product or service in a manner unsatisfactory to the consumer in violation of an applicable law. Also, the Better Business Bureau is a national non-governmental organization whose sole agenda is to provide political lobbies and action on behalf of aggrieved consumers.

For more: http://en.wikipedia.org/wiki/Consumer_Bill_of_Rights

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President Obama’s Consumer Rights Actions

May 22, 2009 Credit Card Bill of Rights
President Obama signs the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009, marking a turning point for American consumers and ending the days of unfair rate hikes and hidden fees.

Mar 23, 2010 Patient’s Bill of Rights aka ObamaCare
President Obama signed  The Affordable Care Act into law. Six months later, critical consumer protections – a “Patient’s Bill of Rights” – take effect. The Patient’s Bill of Rights puts an end to some of the worst insurance abuses and puts consumers, not insurance companies, in control of their health care.

July 21, 2011 The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector is established. Its jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors, other financial companies operating in the United States.

Feb 23, 2012 Consumer Privacy Bill of Rights
President Obama presented a framework for protecting privacy and promoting innovation in the glogal digital economy

Mar 10, 2015 Presidential Memorandum — Student Aid Bill of Rights: Taking Action to Ensure Strong Consumer Protections for Student Loan Borrowers
President Obama proposed a new Student Aid Bill of Rights that outlines a series of new actions that direct the Department of Education, Department of Treasury, Office of Management and Budget, Office of Science and Technology Policy and Domestic Policy Council, working with the Consumer Financial Protection Bureau and the Social Security Administration, to make paying for higher education an easier and fairer experience for millions of Americans.

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