Three bills currently moving through congress. Let your rep know how you feel. Find your Rep


TypH.R. 3978 – This legislation comprises six financial services measures that eliminate consumer protections from Wall Street excesses.  The package includes bills that impact market trading, the safety of financial institutions and soundness of mortgage lending.  Thanks to the steps taken by Democrats in Congress and the Obama Administration, our economy is stronger and I have not forgotten how neighbors and businesses suffered during the financial crisis.  This package is anti-consumer and puts economic security at risk for many.

H.R. 3299 – Much like H.R. 3978, this bill is anti-consumer as it codifies the “valid when made'' doctrine and broadly expands the ability of nonbanks to preempt state-level consumer protection laws.  By codifying the “valid when made” doctrine, this bill potentially incentivizes riskier lending because any loan that is validly originated by a national bank that is subsequently transferred to a third party, no matter how quickly, would be enforceable.  The bill would also make it easier for nonbanks to use rent-a-bank arrangements to ignore state interest rate caps and make high-rate loans.  It would set a dangerous precedent by allowing third parties that buy debt from national banks to collect on interest rates that would otherwise violate state usury laws.  The bill does not include a federal usury cap to limit the sweeping preemption of all state interest rate caps.  In short, the bill ignores lessons learned from the worst financial crisis since the Great Depression.

H.R. 620 – H.R. 620 attempts to address the very real issue small businesses face when trying to ensure their properties are accessible to our neighbors with disabilities; however, it goes too far in imposing onerous requirements before one can file a lawsuit for an Americans with Disabilities Act (ADA) violation.  The bill would undermine the ADA’s goal of full, seamless inclusion of people with disabilities into the mainstream of American life by shifting the burden of compliance to the victim rather than the people in the best position to know and provide information.  We must work together to ensure well-meaning businesses have an opportunity to establish the access that is at the heart of the ADA while guaranteeing we protect and maintain the integrity of the ADA for ours and all our neighbors with disabilities’ sake.e your paragraph here.



Mar - Dr. Idelia Phillips - The League of Women Voter speaking about the National Popular Vote initiative.

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East Hillsborough Democratic Club

EHDC meets every second Tuesday of the month (unless otherwise posted) from 6:30 p.m. - 8:00 p.m. at
Beef O’Brady’s in Valrico
(4330 Bell Shoals Road)