Petitioning House Member, Utah REP Mia Love (House Member, Utah) (House Member, Utah) and 72 others

The Consumer Credit Bill of Rights

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The Consumer credit bill of Rights

We the people of the United States are guaranteed by our Constitution a number of Rights. The right to pursued happiness is chief among them. Our nation has allowed the bank and credit industries to intervene into our daily lives.  As a society, we are required to adhere to unwritten rules and make symbolic affirmations. We are the most prosperous nation on earth yet we are limited by an oppressive system of the financial burden that is distinctly unjust.

The following principle truths should be adopted into law and revise existing regulation.

The people’s names are the individual property of each and should be adopted and defined within the commerce clause as such. Identity theft has grown to epic proportions. Our courts have failed to protect the right of the individual over that of corporate interest.  As a result, each of us has become vulnerable to the outside threats that neither garner nor guarantee a solution.  A year’s worth of credit monitoring service is not a satisfactory payment for a lifetime worry. Some third parties have created thriving businesses out of the unfairness set upon us from the courts, and the failure to act from our Congress.

We should have the right to review and challenge assumptions made of our character within the credit, insurance, and banking systems.  Credit reports fail to disclose completely what was used in determining a credit score.  The credit system invented collecting and sifting through information from dubious means. It then sold the information in various reports and mailing lists. It should be the right of the individual to not be bothered by spam, junk mail, and telemarking calls.

Regulation put forth by our government often creates unintended consequences.  As a result, our nation lives under an oppressive system of fiduciary uncertainty.  Credit scores have unwritten formulas that cause the general society to adhere to speculation and the adoption of principles that burdens the general happiness and well-being of the public at large. All communication between the owner of the data, the individual and any system should be a no cost. Why should we be burdened with the additional cost? It is our information.

 We should have the right to inspect our credit score as often as we wish without detriment.  Because of excessive regulation, third parties have created systems that circumvent existing regulation and cause additional exposure of personal information.  There is no reason today with internet access that credit reports should be withheld from the owner of the information.

We should have the right to review and deny access to our score or any other information collected to any third party within the credit and banking systems.  Criminals and others without an individual’s knowledge often make inquiries unbeknownst to an individual. It is called our credit and should be under our control to whom and when it is disclosed. There is no reason that in a society that is filled with cell phones, text messaging and contestant internet access that timely notice and permission cannot be given.  The industry has released cell phone apps already.   We should control who sees our information, not third parties who violate our trust.

 

We should not be penalized for disbanding agreements. It is a common practice of the industry to force the use of credit instruments. There should be no obligation for consumers to contractually use credit or cards they do not want or need.

Minors’ credit eligibility should be made by the parent or guardian without exception. Juvenile identity theft is a growing phonon within society.  Under current business practices states have enacted fee-based systems of credit suppression. This burden should be lifted from the public at large. There should never be a fee for not wanting or needing a service.

We should have the right to review and dispute claims about our character and the ability to pay interest on loans. The current credit systems have dubious practices and multiple scoring methods and full disclosure of how and what is used in a determination should be known to the individual.

Credit should be an option not an obligation within society. It should be deemed unlawful to sell immediate non-contractual objects or services based on credit scoring. Companies that operate within the regulated credit system should not use the information in any other way. Transversely companies that operate outside of the regulated system should not be involved in offering alternative credit products or services.

Credit card transaction processing should be regulated under the rules of the banking industry. Many of these are selling the details of transactions unbeknown to the card holder.  Forcing the public to use a financial instrument to track and judge what they purchase violates many levels of privacy and security.

This petition will be delivered to:
  • House Member, Utah
    REP Mia Love (House Member, Utah) (House Member, Utah)
  • House Member, Arkansas
    REP French Hill (House Member, Arkansas) (House Member, Arkansas)
  • House Member, Wisconsin
    REP Gwen Moore (House Member, Wisconsin)
  • House Member, Arizona
    REP Kyrsten Sinema (House Member, Arizona)
  • House Member, Texas
    REP Roger Williams (House Member, Texas) (House Member, Texas)
  • House Member, Georgia
    REP David Scott (House Member, Georgia)
  • House Member, Illinois
    REP Randy Hultgren (House Member, Illinois)
  • House Member, Florida
    REP Bill Posey (House Member, Florida)
  • House Member, Ohio
    REP Steve Stivers (House Member, Ohio)
  • House Member, Maine
    REP Bruce Poliquin (House Member, Maine)
  • House Member, New York
    REP Lee M. Zeldin (House Member, New York)
  • House Member, Missouri
    REP Ann Wagner (House Member, Missouri)
  • House Member, North Carolina
    REP Robert Pittenger (House Member, North Carolina)
  • House Member, Michigan
    REP Daniel T. Kildee (House Member, Michigan)
  • House Member , Texas
    REP Jeb Hensarling
  • House Member, New York
    REP Peter T. King
  • House Member, California
    REP Maxine Waters
  • House Member, California
    REP Edward R. Royce
  • House Member, New York
    REP Carolyn B. Maloney
  • House Member, Oklahoma
    REP Frank D. Lucas
  • House Member, New York
    REP Nydia M. Velázquez
  • House Member, North Carolina
    REP Patrick T. McHenry
  • House Member, California
    REP Brad Sherman
  • House Member, New Mexico
    REP Stevan Pearce
  • House Member, New York
    REP Gregory W. Meeks
  • House Member, Massachusetts
    REP Michael E. Capuano
  • House Member, Missouri
    REP Blaine Luetkemeyer
  • House Member, Missouri
    REP Wm. Lacy Clay
  • House Member, Michigan
    REP Bill Huizenga
  • House Member, Massachusetts
    REP Stephen F. Lynch
  • House Member, Wisconsin
    REP Sean P. Duffy
  • House Member, Texas
    REP Al Green
  • House Member, Missouri
    REP Emanuel Cleaver
  • House Member, Florida
    REP Dennis A. Ross
  • House Member, Minnesota
    REP Keith Ellison
  • House Member, Colorado
    REP Ed Perlmutter
  • House Member, Kentucky
    REP Andy Barr
  • House Member, Connecticut
    REP James A. Himes
  • House Member, Pennsylvania
    REP Keith J. Rothfus
  • House Member, Illinois
    REP Bill Foster
  • House Member, Indiana
    REP Luke Messer
  • House Member, Colorado
    REP Scott Tipton
  • House Member, Maryland
    REP John K. Delaney
  • House Member, Ohio
    REP Joyce Beatty
  • House Member, Washington
    REP Denny Heck
  • House Member, California
    REP Juan Vargas
  • House Member, Minnesota
    REP Tom Emmer
  • House Member, New Jersey
    REP Josh Gottheimer
  • House Member, Texas
    REP Vicente Gonzalez
  • House Member, Michigan
    REP Dave A. Trott
  • House Member, Florida
    REP Charlie Crist
  • House Member, Georgia
    REP Barry Loudermilk
  • House Member, Nevada
    REP Ruben Kihuen
  • House Member, West Virginia
    REP Alexander X. Mooney
  • House Member, New Jersey
    REP Thomas MacArthur
  • House Member, Ohio
    REP Warren Davidson
  • House Member, North Carolina
    REP Ted Budd
  • House Member, Tennessee
    REP David Kustoff
  • House Member, New York
    REP Claudia Tenney
  • House Member, Indiana
    REP Trey Hollingsworth
  • Senator , Indiana
    Michael Crapo
  • Senator , Alabama
    Richard C. Shelby
  • Senator
    Bob Corker
  • Senator, Pennsylvania
    Patrick Toomey
  • Senator
    Dean Heller
  • Senator
    Tim Scott
  • Senator, Nebraska
    Ben Sasse
  • Senator
    Tom Cotton
  • Senator
    Mike Rounds
  • Senator
    David Perdue
  • Senator
    Thom Tillis
  • State Senator
    John Kennedy
  • Senator
    Catherine Cortez Masto

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