Arbitration Rule

The CFPB’s arbitration rule restores consumers’ ability to join together in court to hold banks and lenders accountable when they break the law.

H.J. Res. 111 is sponsored by U.S. Rep. Keith Rothfus (R-Penn.).
S.J. Res. 47 is sponsored by U.S. Sen. Mike Crapo (R-Idaho).

View the latest news and resources.

OVERVIEW

Banks and lenders bury terms in the fine print to block consumers from challenging fraud or hidden fees in court. Instead, these “rip-off clauses” force harmed consumers to challenge large corporations one by one in arbitration – a secretive system designed to favor banks and lenders.

Known as forced arbitration, this practice deprives consumers of their constitutional right to an impartial judge or jury. Instead, banks choose a private arbitration firm to decide the dispute, and consumers have little opportunity to present evidence or appeal a bad decision.

Many rip-off clauses also bar consumers from talking about what happened to them, keeping corporate scams and fraud out of the public eye. Indeed, reports show Wells Fargo customers tried to sue the bank over fake accounts as far back as 2013. But customers were kicked out of court and unable to share their stories because of these fine-print provisions – while Wells Fargo knowingly profited from fraud for another three years.

Acting at the direction of Congress, the U.S. Consumer Financial Protection Bureau (CFPB) spent over three years conducting the most comprehensive study on arbitration ever done. The data revealed that just 25 consumers pursue arbitration claims of less than $1,000 each year, as the vast majority of Americans simply give up when forced into arbitration. The study also suggested that consumers lose in arbitration, even when they win. Only nine percent of consumers succeed in arbitration, and even those who win recover just 12 cents of every dollar claimed. In contrast, companies win 93 percent of the time, recovering 98 cents per dollar.

Following the study, the CFPB finalized a rule to restore customers’ ability to join together in court to hold banks and lenders accountable when they break the law and return transparency to arbitration by creating a public record of claims and outcomes.

TAKE ACTION

IMPACTS

Credit Cards: Tracy Kilgore, New Mexico

In July 2011, Tracy Kilgore was volunteering as a treasurer for a non-profit organization, the Daughters of the American Revolution. She went to a local Wells Fargo branch to change a signature card on behalf of the organization. Tracy did not personally bank with Wells Fargo or have any accounts with them. While there, the bank teller asked her for her name and ID and began typing away her computer. Tracy left once the change was processed.

Two weeks later, Tracy received a letter from Wells Fargo saying her credit card application had been rejected. But she had never applied for one. When Tracy saw the application had been filed in her name the day after she had visited the Wells Fargo branch, it became clear the bank stole her personal information and tried to open a fraudulent credit card in her name.

Soon after, Tracy found the rejected credit application was listed on her credit report, hurting her score and ability to get credit in the future. She called and wrote to Wells Fargo for months to try to get them to correct her report, but they kept delaying – saying it would take another 7-10 days, then another 2-3 weeks, to no avail. In the end, Tracy never even got an apology.

Now, she has joined with other defrauded customers in a class action lawsuit against the bank, but Wells Fargo is trying to force each consumer to fight them one-by-one in a biased and secretive arbitration system. Even though Tracy is not a Wells Fargo customer, the bank is trying to block her from suing them in court by pointing to a ripoff clause she never signed.

Auto Financing: Sergeant Charles Beard, California

Sergeant Charles Beard was about to be deployed to Iraq and asked for some help making his car payments. His lender, Santander Consumer USA, Inc., offered him a forbearance for a few months, but in exchange, had Sergeant Beard sign a modified lease agreement. Little did he know, a forced arbitration provision was buried in the fine print.

While serving his country in Iraq, Sergeant Beard fell behind in his payments.  Men came to his home and repossessed the car – breaking federal law, which protects active duty soldiers by requiring lenders to obtain court orders before seizing their cars. Sergeant Beard brought a class action against the lender with other soldiers to enforce their protections under federal law, but their claims were thrown out due to a class action ban in the arbitration clause.

Debt Relief: Bernardita Duran, New York

Bernardita Duran was 53 years old with only $700 in Social Security income when she paid an Arizona debt relief company to settle her credit card debts. Four thousand dollars later, Ms. Duran realized she had been scammed. She sued the company in New York federal court to get her money back, but the company pointed to a clause in their contract which stated her claims must be decided a private arbitrator – located in Arizona.

Ms. Duran protested that she could not afford to travel to Arizona, as it would cost more than a month’s worth of her income and prevent her from making rent. But the appeals court ruled that only the arbitrator in Arizona could decide if Ms. Duran could bring her claim in New York – meaning she would have to first travel across the country to Arizona to argue to the arbitrator that it’s unfair and unconscionable to force her to arbitrate her case there.

OPPONENTS

The U.S. Chamber of Commerce – on behalf of big banks and predatory lenders – has been working since 2010 to throw every possible roadblock in the way of the CFPB fulfilling its charge. For an organization that works to restrict our access to the courts, the Chamber is a prolific litigator. A recent Public Citizen report found that their Litigation Center files a suit or amicus brief every other day of the work week.

In fact, the Chamber advocates for restricting consumer and small business access to the courts with forced arbitration and class-action bans more often than any other issue. In just three years, their Litigation Center tried to kick consumers and small business out of court and into forced arbitration 112 times – by filing briefs in court supporting big corporations’ use of forced arbitration and class-action bans.

While claiming to represent American small business, the Chamber filed a brief in support of foreign multinationals nearly twice as often as it filed to support domestic small business. Similarly, nearly 60 percent of Chamber briefs support at least one Fortune 500 company, but just seven percent supported even one small business.

In addition, the financial industry has given more than $100 million in campaign contributions to Republicans in the U.S. Senate who are cosponsoring the CRA resolution to overturn the arbitration rule.

TABLE: Political Spending by Opponents of the Arbitration Rule

Industry/Group Lobbying Political Spending % Political Spending to Republicans
 U.S. Chamber  $79,205,000 (2016)  $29,420,085 (2016)  99%
 Commercial Banks  $64,072,735 (2015)  $40,807,098 (2016)  69%
 Finance/Credit Companies  $33,847,594 (2015)  $11,578,173 (2016)  62%
CONTACTS

Amanda Werner, Americans for Financial Reform & Public Citizen, awerner@ourfinancialsecurity.org, (202) 973-8004

Christine Hines, National Association of Consumer Advocates, Christine@consumeradvocates.org, (202) 452-1989 x109

Lauren Saunders, National Consumer Law Center, lsaunders@nclc.org, (202) 595-7845

David Rosen, Public Citizen, drosen@citizen.org, (202) 588-7742

FACT SHEETS

Faces of Forced Arbitration

Primer on the CFPB Arbitration Rule

Forced Arbitration and Payday Lending

The CFPB Arbitration Rule Benefits Small Business

Debunking Industry Myths About the CFPB Arbitration Rule

How Consumer Financial Class Actions Help and Protect Americans

Civil Rights Organizations Strongly Support the CFPB Arbitration Rule

Protecting Our Service Members and Veterans: The CFPB Arbitration Rule

50 State & D.C. Fact Sheets: How the CFPB’s Arbitration Rule Protects Victims of Wells Fargo Bank Fraud

NEWS AND RESOURCES

Rep. Gianforte Working to Protect Fraudulent Banks
The Bozeman Daily Chronicle: August 17, 2017

Sen. Warren Questions Bank CEOs on CFPB’s Plan to Eliminate Arbitration Clause
Financial Regulation News: August 15, 2017

Wells Fargo Scandal Helps Consumer Advocates in CFPB Rule Fight
Bloomberg Law: August 14, 2017

Louisiana Senator Emerges as Possible Roadblock to Overturning Consumer-Protection Rule
Legal News Line: August 14, 2017

Whose Freedom Wins?
Arkansas Business: August 14, 2017

Kinzinger Likes Arbitration
MyWebTimes: August 14, 2017

Closing the Courthouse Door
The New York Times: August 10, 2017

Warren Asks Where Bank CEOs Stand on Customers’ Ability to Join Class Action Suits
The Hill: August 10, 2017

Serve South Carolinians, Not Big Banks
The State: August 10, 2017

U.S. Sen. Elizabeth Warren Asks CEOs to Weigh in on CFPB’s Forced Arbitration Rule
MassLive: August 10, 2017

Warren Calls Out CEOs Behind Lobbyists on Consumer-Protection Rule
The Street: August 10, 2017

The U.S. Is for Sale Again; Lance Loves Financial Institutions
NJ.com: August 10, 2017

Congress Seeks to Enable Forced Arbitration
The St. Louis American: August 10, 2017

Unethical Clauses
TribLive: August 10, 2017

Crapo Should Try to Help Idahoans, Not Predatory Lenders and Banks
The Idaho Statesman: August 9, 2017

Banks’ Overdraft Fees Shouldn’t Put the Squeeze on You
The Palm Beach Post: August 9, 2017

CFPB Rule Won’t Hurt You
The Billings Gazette: August 8, 2017

Consumers Need Protection in D.C.
The Columbian: August 6, 2017

GOP Effort to Overturn Arbitration Rule at Risk From Republican Defectors
The Wall Street Journal: August 6, 2017

Forced Arbitration Benefits Wall Street Giants, Not Consumers
The Pittsburgh Post-Gazette: August 4, 2017

The House Recently Sided With Big Banks Over Consumers
The Hill: August 4, 2017

On People’s Right to Sue, Trump’s Hypocrisy Matches That of Businesses
The Los Angeles Times: August 4, 2017

If Congress Won’t Protect Us From Wells Fargo, Then at Least Get Out of the Way
The Daily Caller: August 4, 2017

Class-Action Lawsuits Critical to Shedding Light on Bank Fraud
The Hill: August 3, 2017

Congress Should Stand on the Side of Everyday Consumers — Not Big Banks
The Shriver Brief: August 3, 2017

Congress Should Jump at Chance to Side With Consumers
The Chicago Sun-Times: August 3, 2017

3 Big Lies Bank Lobbyists Peddle to Protect Corporate Scoundrels
The Hill: August 2, 2017

Banks’ Overdraft Fees Shouldn’t Put the Squeeze on You Just Because You’re Broke
The Miami Herald: August 1, 2017

State Officials Join Fight to Preserve Consumers’ Right to Sue
Consumer Affairs: August 1, 2017

Correcting the Record: Consumers Fare Better Under Class Actions Than Arbitration
Economic Policy Institute: August 1, 2017

Dems Use Wells Scandals to Call for Hearings, Defend CFPB Arbitration Rule
American Banker: August 1, 2017

Prospects Dim for Senate Vote on CFPB Arbitration Rule This Month
Morning Consult: August 1, 2017

Franken Fighting for Consumer Justice, Health Care
NJ Today: August 1, 2017

The Arbitration Rule Saves Consumers From Big Banks
The Wall Street Journal: July 31, 2017

Republicans Beware: Your Voters Like Tough Rules on Wall Street
The Washington Examiner: July 31, 2017

Marine Corps Vet Based in Arkansas Disagrees With Sen. Tom Cotton Decision
The Northwest Arkansas Democrat-Gazette: July 31, 2017

Alaskans Harmed by Financial Misconduct Deserve Remedies
The Daily News-Miner: July 31, 2017

Jones Stood Up for Consumers
Reflector.com: July 31, 2017

Protecting Ohioans From Wall Street Scams
U.S. Sen. Sherrod Brown: July 30, 2017

Will Congress Help Companies Use Forced Arbitration to Undercut Consumers?
Chicago Tribune: July 28, 2017

Consumers Looks for Satisfaction with Updated Financial Rule
BlackPressUSA: July 28, 2017

Republicans Vote Against Financial Protections
Falls Church News-Press: July 27, 2017

Protecting Ohioans From Wall Street Scams
The Advertiser-Tribune: July 27, 2017

Congress Could Undo Rule That Makes It Easier for Financial Fraud Victims to Sue Banks
Bangor Daily News: July 27, 2017

GOP Denying You Day in Court
My San Antonio: July 26, 2017

Congress Should Not Interfere With Americans’ Day in Court
The Washington Examiner: July 26, 2017

House Sides With Predatory Banks Against Main Street Americans
Public Citizen: July 25, 2017

House Vote on CFPB Forced Arbitration Rule a Victory for Big Banks and Predatory Lenders
Americans for Financial Reform: July 25, 2017

House Lawmakers Voting to Roll Back CFPB Forced Arbitration Rule Defy Public Sentiment
Americans for Financial Reform: July 25, 2017

House Vote to Strip Consumers’ Legal Rights is Unpopular
Center for Responsible Lending: July 25, 2017

CFA Condemns House Vote to Roll Back Rule on Forced Arbitration
Consumer Federation of America: July 25, 2017

House Attack on Dodd-Frank Shows Allegiance to Wall Street
Alliance for Justice: July 25, 2017

LDF Opposes House Vote Against Vulnerable Consumers
NAACP Legal Defense and Educational Fund: July 25, 2017

Consumers Notched a Big Win Against Fine Print 2 Weeks Ago. The House Just Voted to Roll It Back
Time: July 25, 2017

House Votes to Strip Bank & Credit Card Customers of Constitutional Right to a Day in Court
Consumerist: July 25, 2017

Waters: ‘Dodd-Frank Is the Best Thing That Ever Happened to Consumers’
The Washington Free Beacon: July 25, 2017

Congress Threatens Consumer Protection
The Intelligencer: July 25, 2017

House May Vote  Today on Forced-Arbitration Regulation
The Brownsville Herald: July 24, 2017

Don’t Strip Consumers of Their Right to a Day in Court, Say Advocates, Senators
Consumerist: July 24, 2017

Even If You Win in Arbitration, You Still Lose
The Baltimore Sun: July 24, 2017

Shield Consumers
The Times-Tribune: July 24, 2017

The GOP Wants to Deny You Your Day in Court
The Winona News: July 24, 2017

New CFPB Rule – a Poster Child for Regulation
American Constitution Society: July 24, 2017

Democratic Staff Report Documents Successes of Consumer Financial Protection Bureau, Importance of Rulemaking on Forced Arbitration
U.S. Rep. Maxine Waters (D-Calif.): July 24, 2017

Let Consumers Sue Banks
USA Today: July 23, 2017

Forced Arbitration Is Unjust
Idaho Politics Weekly: July 23, 2017

Consumer Bureau’s New Rule Will Better Protect Consumers From the Abusive Financial Companies
The Las Vegas Review Journal: July 22, 2017

Sen. Al Franken on Consumer Protection Rule
The Herald Review: July 22, 2017

The CFPB Turns Six (and Ten)
Americans for Financial Reform: July 21, 2017

Cubans Envy Our Day in Court But Forced Arbitration Takes It Away
The Hill: July 21, 2017

CFPB: Six Years of Putting Consumers First
National Consumer Law Center: July 21, 2017

As CFPB Turns 6 Years Old, PIRG Calls on Senate to Block Wall Street Attacks
U.S. PIRG: July 21, 2017

Some Good News Out of Washington: The CFPB Cracks Down on “Ripoff Clauses”
Alliance for Justice: July 21, 2017

On the CFPB’s Birthday, Stand Against Sharks
Our Future: July 21, 2017

Happy 6th Birthday CFPB!
Consumer Federation of America: July 21, 2017

The GOP’s Foolish Decision
U.S. News and World Report: July 21, 2017

Elizabeth Warren Defends Consumer Financial Protection Bureau as Agency Marks 6 Years in Operation
MassLive: July 21, 2017

Why CFPB’s Arbitration Rule Is Essential (Two Words: Wells Fargo)
American Banker: July 21, 2017

VIDEO: The Little Agency That Could
U.S. Sen. Elizabeth Warren (D-Mass.): July 21, 2017

Vote No on the Congressional Review Act Resolution That Repeals CFPB Arbitration Rule
Fair Arbitration Now: July 20, 2017

Congress Moves to Take Away Consumers’ Right to Day in Court
National Consumer Law Center: July 20, 2017

Arbitration Rule Repeal Is Payback to Big Banks
Public Citizen: July 20, 2017

Oppose Effort to Roll Back CFPB Rule Banning Forced Arbitration
Americans for Financial Reform: July 20, 2017

It Makes No Sense to Eliminate Successful CFPB, Weaken Wall Street Reforms
U.S. PIRG: July 20, 2017

Congress Set to Crush Consumers’ Legal Rights with Bill Moving Quickly to a Vote
Center for Responsible Lending: July 20, 2017

Congress Should Put Consumer Choice Over Profits for Bad Actor Banks
Consumer Federation of America: July 20, 2017

NACA Condemns Efforts in Congress to Repeal Arbitration Rule
National Association of Consumer Advocates: July 20, 2017

Main Street Americans Should Be Able to Hold Financial Institutions Accountable for Wrongdoing
Public Citizen: July 20, 2017

Brown Vows ‘Hell of a Fight’ Against Efforts to Protect Wall Street Banks That Cheat Customers
U.S. Sen. Sherrod Brown (D-Ohio): July 20, 2017

Waters Blasts Republican Effort to Use Congressional Review Act to Repeal Forced Arbitration Rule
U.S. Rep. Maxine Waters (D-Calif.): July 20, 2017

Republicans Are Working to Keep You From Your Day in Court
The Washington Post: July 20, 2017

Wall Street’s Washington Friends Aim to Kill New Consumer Protection
The Huffington Post: July 20, 2017

Blocking the Courts: The Trump Triple Threat
The Huffington Post: July 20, 2017

The Head of the Consumer Financial Protection Bureau Isn’t Going Down Without a Fight
Bloomberg Businessweek: July 20, 2017

More Trump Populism: Hiring a Bank Lawyer to Attack CFPB Bank Rules
The Intercept: July 20, 2017

Lawmakers Who Want To Hand ‘Get Out of Jail Free’ Card to Banks Made Millions From Financial Sector Last Year
Consumerist: July 20, 2017

GOP Efforts to Repeal CFPB Arbitration Rule Off to Rocky Start
American Banker: July 20, 2017

Brown Promises “Hell of a Fight” in Senate Over CFPB Arbitration Rule
Housingwire: July 20, 2017

Media Alert: A Savage Attack on American Consumers
Public Citizen: July 19, 2017

Don’t Read the Fine Print? As a Consumer, You Might Lose
The Orlando Sentinel: July 19, 2017

CFPB Final Arbitration Rule to be Published in Federal Register on July 19
Consumer Finance Monitor: July 18, 2017

Federal Regulator Moves to Mostly Ban Arbitration Clauses
The Philadelphia Tribune: July 18, 2017

CFPB Arbitration Rule to Be Published, as Cordray Denounces OCC Threats
Credit Union Times: July 18, 2017

Fighting to Make Sure That the Little Guy Gets Crushed
The St. Louis Dispatch: July 17, 2017

Wells Fargo Is Trying to Bury Another Massive Scandal
Vice: July 17, 2017

The Little Guy Needs Financial Protection
The Miami Herald: July 17, 2017

True Populist Economics: Save This Consumer Protection Rule
The New York Daily News: July 16, 2017

Forcing Banks to Fight Fair
The New York Times: July 15, 2017

The CFPB Rule on Class-Action Suits Is a Win for All — Even If It Doesn’t Seem Like It
The Washington Post: July 14, 2017

Wells Fargo CEO on CFPB Arbitration Rule: We’ll See ‘Action Against It’
Yahoo Finance: July 14, 2017

A Little-Known Clause Was Keeping Consumers From Suing Companies. Not Anymore.
Tulsa World: July 14, 2017

Goodbye and Good Riddance to Mandatory Arbitration
AARP: July 13, 2017

CFPB’s New Consumer Protection: Restrict Forced Arbitration
National Council of La Raza: July 13, 2017

GOP Eager to Repeal Rule that Allows Consumers to Sue Conniving Banks
The American Prospect: July 13, 2017

How This New Rule Prevents Your Bank From Ripping You Off
Fortune: July 13, 2017

Consumer Bureau Moves to Prevent the Next Wells Fargo-Style Scandal
The Hill: July 13, 2017

Financial Goliaths and Consumer Davids
The New York Times: July 13, 2017

310 Groups Support the CFPB’s Arbitration Rule
Fair Arbitration Now: July 12, 2017

If the Consumer Financial Protection Bureau Is Dying, at Least It’s Going Out With a Bang
The Los Angeles Times: July 12, 2017

Cordray Takes on Wall Street with Consumer Protection Rule
The San Francisco Chronicle: July 12, 2017

National Consumers League Celebrates CFPB’s Final Rule to Guarantee Consumer Their Day in Court
National Consumers League: July 11, 2017

Class Action Waivers Rob Workers of the Freedom to Negotiate With Their Employer
Economic Policy Institute: July 11, 2017

With ‘Rip-Off Clause’ Quashed, Consumers Can Now Sue Banks in Class-Action
USA Today: July 11, 2017

CFPB Just Issued a New Rule That Would Protect Consumers From Predatory Fine Print
Time: July 11, 2017

U.S. Agency Moves to Allow Class-Action Lawsuits Against Financial Firms
The New York Times: July 11, 2017

Wall Street Will Soon Test Its Clout With Senate Republicans
The Washington Post: July 11, 2017

Banks and Credit Card Companies Can’t Try to Stop You From Joining a Class Action Lawsuit — For Now
The Los Angeles Times: July 11, 2017

CFPB’s Long-Awaited Arbitration Rule May Be a Short-Lived Victory for Consumers
The Los Angeles Times: July 11, 2017

Cordray Takes on Wall Street With Consumer Protection Rule
The San Francisco Chronicle: July 11, 2017

GOP Senator Targets Consumer Bureau Arbitration Rule for Repeal
The Hill: July 11, 2017

Consumer Bureau Cracks Down on Arbitration Clauses
The Hill: July 11, 2017

New Rule Bans Restrictive Arbitration Clauses in Bank Customer Contracts
KOMO News: July 11, 2017

A New Rule Says You Can Now Sue Your Credit Card Company
ATTN: July 11, 2017

FAN Coalition Celebrates New Rule to Restore Consumers’ Right to Join Together in Challenging Financial Fraud and Scams
Fair Arbitration Now: July 10, 2017

CFPB Action on Arbitration Clauses Will Restore Consumers’ Rights, Provide Accountability in the Financial Marketplace
Center for American Progress: July 10, 2017

LDF Welcomes New Rule to Protect Consumers from Predatory Financial Products
NAACP Legal Defense and Education Fund: July 10, 2017

Welcome News: CFPB Restores Consumers’ Ability to Hold Banks Accountable in Class-Action Lawsuits
Public Citizen: July 10, 2017

AFR Lauds New CFPB Rule to Restore Consumers’ Right to Hold Banks Accountable in Court
Americans for Financial Reform: July 10, 2017

Consumers Union Statement on CFPB’s New Rule Limiting Forced Arbitration by Banks, Credit Card Companies and Other Financial Firms
Consumers Union: July 10, 2017

AFJ Welcomes Step Toward Easing ‘Ripoff Clause’ for Financial Consumers
Alliance for Justice: July 10, 2017

Statement on CFPB’s Rule Restoring Rights to Take Wrongdoers to Court
U.S. PIRG: July 10, 2017

Watchdog Agency Restores Choice for Consumers Cheated by Financial Companies
Consumer Federation of America: July 10, 2017

Consumer Action Applauds New Arbitration Rule
Consumer Action: July 10, 2017

Civil and Human Rights Coalition Welcomes New Protection for Consumers
The Leadership Conference on Civil and Human Rights: July 10, 2017

CFPB Releases Final Rule to Limit Forced Arbitration in Financial Contracts
National Association of Consumer Advocates: July 10, 2017

NELP Applauds Consumer Financial Protection Bureau’s New Rule Against Forced Arbitration Clauses
National Employment Law Project: July 10, 2017

CFPB Rule Restores Consumers’ Day in Court Over Financial Misconduct
National Consumer Law Center: July 10, 2017

CFPB Arbitration Rule Brings Transparency, Accountability to Enforce Consumer Protection in Court
Center for Responsible Lending: July 10, 2017

California Reinvestment Coalition Applauds CFPB for New Rule Protecting Consumers From Forced Arbitration
California Reinvestment Coalition: July 10, 2017

Florida Alliance for Consumer Protection Celebrates New Rule to Restore Consumers’ Ability to Enforce Rights and Protection in Court
Florida Alliance for Consumer Protection: July 10, 2017

Impact Fund Applauds New Rule to Restore Consumers’ Ability to Enforce Rights and Protections in Court
Impact Fund: July 10, 2017

U.S. Agency Moves to Allow Class-Action Lawsuits Against Financial Firms
The New York Times: July 10, 2017

In Major Setback for Businesses, CFPB Opens Door to Consumer Class Actions
Politico: July 10, 2017

Financial Consumers May Be Able to Sue Banks Again
CBS Moneywatch: July 10, 2017

CFPB Arbitration Rulemaking — and Potential FSOC Veto
Credit Slips: July 10, 2017

Regulator Moves Against Mandatory Arbitration Agreements
The Star Tribube: July 10, 2017

We’ve Issued a New Rule on Arbitration to Help Groups of People Take Companies to Court
U.S. Consumer Financial Protection Bureau: July 10, 2017

Courts, Regulators Must Stop Wells Fargo’s Rigged Arbitration System
The Morning Consult: July 7, 2017

Letter of Support for the CFPB
29 Military Servicemember and Veteran Groups: May 3, 2017

Stop Forced Arbitration from Denying Fraud Victims Justice
Consumer Federation of America: April 21, 2017

Wells Fargo’s Use of Forced Arbitration to Deny Consumers Justice
Fair Arbitration Now: October 3, 2016

The Military Coalition Supports the CFPB’s Proposed Rule on Arbitration Agreements
The Military Coalition: August 18, 2016

In Arbitration, a ‘Privatization of the Justice System’
The New York Times: November 1, 2015

Beware the Fine Print
The New York Times: October 31, 2015

Arbitration Study: Report to Congress
Consumer Financial Protection Bureau: March 1, 2015