Credit Discrimination
  • Petitioned Raj Date

This petition was delivered to:

Special Advisor to the Secretary of the Treasury for the Consumer Financial Protection Bureau
Raj Date
United States Congress
President of the United States
U.S. Senate
U.S. House of Representatives
Virginia
Sen. Mark Warner
Virginia
Sen. Tim Kaine
Virginia-08
Rep. Jim Moran
New York-14
Rep. Joseph Crowley

Credit Discrimination

    1. Holly McCall
    2. Petition by

      Holly McCall

      Vienna, United States

According to changes to Reg Z via the CARD Act, credit issuers must consider only an individual's personal income and may not consider household income. This change causes discrimination against stay at home mothers by making it impossible for them to obtain credit independently, despite having sufficent ability to pay. Credit issuers should be able to consider household income for married individuals.

Recent signatures

    News

    1. MomsRising launches a campaign to change the CARD Act!

      Holly McCall
      Petition Organizer

      Please go to their action page and sign a letter to the Consumer Financial Protection Bureau. Joining their campaign is a great way to further tell the CFPB that changes are needed!

    2. Raj Date and Congresswoman Maloney added as Petition Targets

      Holly McCall
      Petition Organizer

      Raj Date is managing the Consumer Financial Protection Bureau operations, pending confirmation of the nominated Director, Richard Cordray. The CFPB has authority to issue new rules regarding implementation of the CARD Act. Congresswoman Maloney has already been active on this issue.

    3. Moms Rising is onboard!

      Holly McCall
      Petition Organizer

      I'm really happy to share that Moms Rising is also concerned about this issue and is planning to issue a national alert on this topic! Please check them out at momsrising.org. If you'd like to help more, please ask your friends and family to sign this petition. And, if you experience a decline for income, please file your complaint with the Consumer Financial Protection Bureau.

    4. Reached 100 signatures

    Supporters

    Reasons for signing

    • Julie Streeter FRISCO, TX
      • almost 3 years ago

      I am also a stay at home mom, and it's not fair to tell us that we don't count. I wasn't able to get on our auto loan because I didn't have an income. I won't be able to be on our mortgage, if I don't have an income. My credit isn't even considered when it comes to loans or bills. We work just as hard inside the home, as our spouses do outside the home. And, now we're being told it doesn't matter. This new law is retarded!

      REPORT THIS COMMENT:
    • Mara Hicks VIENNA, VA
      • almost 3 years ago

      I am a stay at home mom who has had her own credit history for 17 years and should not be penalized becasue her job is to stay home and raise her children. My household income should suffice since I am married and my husband is employed and also has a good credit history.

      REPORT THIS COMMENT:
    • Cynthia Clark MCLEAN, VA
      • almost 3 years ago

      This act discriminates against women

      REPORT THIS COMMENT:
    • Kery Nunez VIENNA, VA
      • almost 3 years ago

      I am signing because the act discriminates against well educated, professional women who leave the workforce for an extened period of time because their children need them.

      REPORT THIS COMMENT:
    • Kelly Tong DEFIANCE, OH
      • almost 3 years ago

      I am a stay at home mom who is intelligent and responsible. I am of age and make financial decisions for my family. My husband's salary is NOT his own...it is shared between both of us because ALL of the WORK mothers do – whether paid or unpaid – has social and economic value. Care-giving work is REAL WORK with REAL SOCIAL AND ECONOMIC VALUE.

      REPORT THIS COMMENT:

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