The Congressional Review Act (CRA) lets Congress and the White House strike down regulatory protections using expedited procedures. So far, President Donald Trump and Republicans in Congress have used the CRA to repeal 15 health, safety, consumer and environmental protections as payback to their corporate donors — and we won’t be able to get these safeguards back any time soon. As a result, corporate predators, polluters and profiteers that would have been reined in by these rules are now free to abuse, exploit and discriminate against regular Americans, knowing they won’t be held accountable. Although the CRA no longer can be used to repeal Obama-era rules, it still may be used to strike down safeguards finalized during the current administration.

UPDATE: On Wednesday, the U.S. Senate voted to repeal the U.S. Consumer Financial Protection Bureau’s 2013 indirect auto lending guidance aimed at preventing racial discrimination, setting a dangerous deregulatory precedent.


Payday Lending Rule
Payday Lending Rule

The Payday and Car Title Lending Rule provides consumer protections against predatory practices trapping consumers in high-interest loans. H.J. Res. 122 is sponsored by U.S. Rep. Dennis Ross (R-Fla.). S.J. Res. 56 is sponsored by U.S. Sen. Lindsay Graham (R-S.C.). OVERVIEW Thirty-five states across the country allow companies to offer debt trap payday loans, generally

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