Trump administration shortens ACA enrollment, threatening healthcare for millions of consumers

/in , , /by

 Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829      

Washington, DC – Millions of Americans would be affected by the Trump administration’s attempts to shorten the Affordable Care Act (ACA) open enrollment period and eliminate the monthly enrollment option for low-income families.   

By shortening the open enrollment window from 12 weeks to just 30 days, the proposal issued by the Centers for Medicare and Medicaid Services (CMS) would inevitably result in eligible individuals failing to enroll in coverage. The drastic reduction in time creates unnecessary barriers to enrollment for consumers, particularly those who need time to research their options, gather necessary documentation, contact brokers, or navigate the enrollment process. This is a direct attack on consumers’ access to healthcare, disproportionately affecting vulnerable populations, including low-income families, the elderly, and those with limited internet access or health literacy.  

In Trump’s first term, the administration cut outreach and public education funding and allowed short-term plans that offer subpar coverage, leading to a significant drop in ACA enrollment. This latest attempt will create further confusion and chaos for consumers seeking affordable healthcare options.     

Additionally, the CMS proposal to deny ACA coverage to immigrant “Dreamers”—young people brought to the U.S. illegally as children—raises further concerns. These individuals are hardworking, tax-paying contributors to the U.S. economy and should not be excluded from accessing healthcare plans. CMS also proposed limiting coverage for gender-affirming care starting in 2026.    

“This is a cruel and calculated attempt to roll back the ACA, undermine consumers, and restrict access to healthcare for millions,” said Sally Greenberg, NCL CEO. “By shortening the enrollment period, the administration is making it harder for hardworking Americans to find the coverage they need. Denying Dreamers access to health care is unjust, shortsighted, and could put in danger the broader community. We are disappointed by this proposal as Mr. Trump has pledged not to harm Dreamers.”   

In December of 2024 President Trump discussed Dreamers during a “Meet the Press” interview: “We have to do something about the Dreamers because these are people that have been brought here at a very young age,’ If Dreamers have the right to stay in this country, as Mr. Trump says they should, it is essential they have the same health care options available as all other Americans.

###      

About the National Consumers League (NCL)      

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

NCL joins 300+ organizations to oppose the dismantling of the Consumer Financial Protection Bureau   

/in /by

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829     

Washington, DC – Next week, the National Consumers League (NCL) will join hundreds of consumer advocates and constituents from 45 states to urge lawmakers to support a strong and independent Consumer Financial Protection Bureau (CFPB). Since its creation in 2011, the CFPB has recovered more than $21 billion for consumers who have been harmed by corporate greed and fraud. Cutting the CFPB would leave millions of hard-working Americans vulnerable to scams and other illegal conduct. 

Prior to the meetings, NCL also signed on to a letter urging Congress to restore a strong and independent CFPB and vote against any legislative attacks on the agency. During the meetings, known as Consumer Advocacy Week, constituents and consumer advocates will request legislators to oppose active efforts to undo key consumer protections, such as capping most bank overdraft fees at $5, removing medical debt from credit reports, and ensuring payment apps comply with the law.  

“The CFPB has been a lifeline for millions of consumers nationwide. In just a few years, the agency has punched far above its weight, returning billions of dollars to individuals harmed by the illegal conduct of banks, student loan servicers, and other bad actors,” said Eden Iscil, NCL Senior Public Policy Manager. “This coalition has brought hundreds of advocates from across the country to tell Congress to step up and protect the CFPB.”  

As the watchdog for consumers everywhere, the CFPB holds financial institutions accountable when they defraud and cheat people, and the agency has returned more than $21 billion to over 200 million people in the form of restitution or canceled debts. The CFPB has fiercely protected everyday Americans and their families against frauds, rip-offs, and market failures, and now it is our time to safeguard its existence.    

###  

About the National Consumers League (NCL)    

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

NCL urges lawmakers to protect oversight of payment apps  

/in , , /by

 Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829  

Washington, DC – The National Consumers League (NCL) is calling on lawmakers to vote in favor of maintaining the Consumer Financial Protection Bureau’s (CFPB) larger participants rule, which establishes much-needed oversight of companies that offer services like digital wallets and payment apps—such as Zelle and Apple Pay—and ensures they are properly regulated. The rule protects consumers, making sure that all forms of payment, whether provided by traditional banks or nonbank companies, are secure and trustworthy.   

“Fraud continues to be a major financial burden on consumers, stealing an estimated $158 billion annually from American families,” said John Breyault, NCL’s Vice President of Public Policy, Telecommunications, and Fraud. “Unfortunately, Congress is considering weakening protections for digital wallets and payment apps—platforms that are often used to perpetrate fraud. While the current Administration talks about reducing fraud, its actions are instead shifting the financial burden onto hard-working Americans.”   

As more Americans use digital payment apps and wallets, complaints about fraud and unauthorized charges have skyrocketed. The CFPB’s rule will help strengthen consumer protections and ensure that these financial products adhere to privacy laws, ultimately safeguarding the public from emerging threats in the digital payment space.   

###  

About the National Consumers League (NCL)    

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

NCL statement on Steven Bradbury committee vote

/in , /by

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829 

Washington, DC – Today, the U.S. Senate Commerce committee approved Steven Bradbury for Deputy Secretary of the U.S. Department of Transportation, sending his nomination to the Senate floor. The National Consumers League (NCL) is urging Bradbury to commit to using the position to support critical safety and consumer protection initiatives at DOT.     

To date, President Trump’s DOT appointees have refused to commit to basic consumer protections, like allowing families to be seated together while flying or following federal law and updating decades-outdated airplane evacuation standards. Senators should not vote to confirm Bradbury as Deputy Secretary until he pledges to protect the numerous consumer protection advancements made in the past few years.  

The following statement is attributable to John Breyault, NCL Vice President of Public Policy, Telecommunications, and Fraud:  

“Steven Bradbury is seeking to rejoin DOT at a time of deep concern among the traveling public. Multiple crashes and close calls are making airline passengers fearful for their safety at a time when DOGE is cutting FAA safety staff. Automobile fatalities and injuries remain at unacceptably high levels, yet many vital safety technologies are not mandated equipment, and the nation still lacks a framework for the safe deployment of autonomous vehicles. Consumers will not regain confidence in our travel infrastructure if Mr. Bradbury uses his new position to implement the Project 2025 plan to roll back important advancements that the Biden Administration achieved in EV charging, fuel economy standards, family seating, data privacy, and airline consumer protection. NCL will defend these critical safeguards with all the tools at our disposal.” 

###  

About the National Consumers League (NCL)  

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.  

NCL supports new legislation to combat crypto ATM fraud  

/in , , /by

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829     

Washington, DC – The National Consumer League (NCL) expresses strong support for the Crypto ATM Fraud Prevention Act introduced by Senator Dick Durbin (D-IL). This critical legislation aims to protect consumers from rising scams involving cryptocurrency ATMs. The minimal regulation of these machines, combined with the anonymity and irreversibility of cryptocurrency transactions, makes crypto ATMs a preferred tool for scammers.   

  “This legislation is a vital step in protecting everyday consumers from the growing threat of crypto ATM fraud,” said John Breyault, NCL VP of Public Policy, Telecommunications, and Fraud. “The Crypto ATM Fraud Prevention Act will provide necessary safeguards to stop scammers from exploiting cryptocurrency ATMs to steal hard-earned savings. We applaud Senator Durbin’s leadership in addressing this urgent issue.”   

  NCL’s Top Ten Scams report for 2024 found staggering losses from cryptocurrency scams. The median loss reported to NCL’s Fraud.org reached a new peak of $30,000 for the complaint category, including crypto fraud. Additionally, according to the Federal Trade Commission (FTC), Americans lost $66 million to crypto ATM fraud in the first half of 2024. The bill would require crypto ATM operators to inform consumers about scams, implement safeguards to prevent fraud and give law enforcement new tools to investigate and stop these crimes.     

###       

About the National Consumers League (NCL)      

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.    

NCL joins American Vehicle Owners Alliance as founding member 

/in , /by

New Coalition Will Champion Vehicle Owners’ Data Rights 

Washington, DC – Today, The National Consumers League (NCL) proudly joins the American Vehicle Owners Alliance (AVOA) as a founding member. This new coalition brings together eight members who will work together to ensure that vehicle owners—not just manufacturers—have full access and control over the data generated by their vehicles. AVOA will advocate for policies protecting consumers’ property rights, fostering competition, and preventing unnecessary and burdensome restrictions on owner’s access to vehicle-generated data. 

“We are excited to be a founding member of the American Vehicle Owners Alliance,” said NCL CEO Sally Greenberg.  “Together, we are committed to ensuring that vehicle owners retain full access and control over their data, protecting their property rights and fostering fair competition in the marketplace.” 

“When you purchase a vehicle—whether as an individual or a business—you own it, just as you would any other property. The same should be true of your vehicle’s data,” said Richard Ward, Executive Director of AVOA. “Manufacturers should not have the power to lock owners out of that data or charge them extra fees to access what is rightfully theirs.”  

AVOA will work with Congress and the Trump administration to ensure vehicle owners own and manage their vehicles’ data. This ownership model increases cybersecurity, upholds privacy, protects consumers, reinforces our fundamental understanding of property rights, and makes vehicles and drivers safer. 

###    

About the American Vehicle Owners Alliance (AVOA)  

The American Vehicle Owners Alliance is a coalition committed to protecting vehicle owners’ rights to access and control all the data generated by their vehicles – data that rightfully belongs to the vehicle owner, not the manufacturer. americanvehicleownersalliance.org 

About the National Consumers League (NCL)   

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

NCL signs on to PBM Accountability Project letter advocating for transparency and cost savings in prescription drug pricing  

/in , , , /by

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829 

Washington, DC – The National Consumers League (NCL) is proud to announce its support for the PBM Accountability Project’s letter, which has been shared with the U.S. House Energy & Commerce Health Subcommittee ahead of their hearing on February 26, 2025. The PBM Accountability Project calls for urgent reform of the Pharmacy Benefit Manager (PBM) industry to increase transparency, reduce prescription drug costs, and provide relief to consumers and patients across the nation.    

The National Consumers League has growing concerns about the anti-competitive, anti-consumer, and anti-patient practices of the largest PBMs, which have created an opaque system that inflates prescription drug prices. NCL stands firm with the signatories in urging the subcommittee to advance bipartisan legislation that addresses these harmful practices and restores fairness to the prescription drug marketplace.     

“Consumers deserve transparency and affordability in healthcare,” said NCL CEO Sally Greenberg. “PBMs have been driving up costs for everyday Americans and their families, often without consumers realizing the true price of their medications. NCL’s commitment to consumer protection means advocating for policies that rein in the practices of these middlemen and prioritize patients over corporate profits. We must act now to bring down drug prices and ensure every American has access to affordable medications.”   

Consumers need immediate action to curb the influence of PBMs, whose practices have been detrimental to both patients and community pharmacies. Key bipartisan reforms highlighted in the letter include measures such as delinking drug prices from PBM revenues, implementing fair pharmacy contract terms, and ensuring rebates are passed directly to patients. These reforms are essential to lowering drug costs and increasing access to vital medications.   

###     

About the National Consumers League (NCL)    

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

NCL responds to executive order on regulatory reform   

/in /by

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829   

Washington, DC – The National Consumers League (NCL) is deeply concerned about President Trump’s executive order that purports to reduce federal overreach by focusing enforcement resources on regulations explicitly authorized by the Constitution and federal statutes. This order seeks to dismantle what the administration views as an “overbearing and burdensome administrative state,” emphasizing the restoration of the constitutional separation of powers.   

“NCL believes that President Trump’s executive order undermines the essential independence of regulatory agencies, which are critical for protecting public interest,” said NCL VP of Public Policy John Breyault. “By centralizing control under the executive branch and dismantling essential safeguards, this action threatens essential consumer protections in favor of predatory businesses that threaten the financial well-being and safety of the American people.”   

###

About the National Consumers League (NCL)     

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.   

 

NCL applauds reintroduction of the American Family Act     

/in , , /by

Media Contact: Lisa McDonald, Vice President of Communications, 202-207-2829   

Washington, DC – The National Consumer League (NCL) is proud to join Congresswoman Rosa DeLauro and other supporters in advocating for the reintroduction of the American Family Act. This landmark legislation seeks to make the expanded and improved Child Tax Credit (CTC) permanent. This critical policy helps lift families out of poverty and provides economic stability for millions of American households. As original supporters of this initiative, NCL continues to emphasize the importance of providing financial security to families, especially those facing economic hardship.    

 The bottom line is that the CTC helps combat child labor by reducing the financial strain that forces families to send their children to work. By providing additional support, tax credits lessen the need for children to contribute financially, allowing families to meet their needs better and giving children the opportunity to focus on their education and well-being. 

“By making the Child Tax Credit permanent, the American Family Act will ensure families can count on consistent support to meet their basic needs. The 2021 expansion showed us how transformative this policy can be, lifting millions of children out of poverty and giving parents the ability to better care for their families,” said Reid Maki, Director of Child Labor Advocacy. “We know from NCL’s long-standing work on protecting children from child labor that poverty drives children into perilous child labor. We stand with Congresswoman DeLauro and her colleagues in pushing for this essential legislation that can strengthen our nation’s economic future by investing in its most valuable asset—our children.”        

NCL urges Congress to take swift action in passing the American Family Act to continue building on the success of the expanded Child Tax Credit, providing long-term relief for working families and helping children reach their fullest potential.       

###    

About the National Consumers League (NCL)      

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

NCL’s statement on the Trump Administration’s efforts to eliminate energy efficiency standards for appliances 

/in , /by

Media Contact: Lisa McDonald, Vice President of Communication, 202-207-2829 

Washington, DC – The National Consumers League (NCL) is greatly disappointed by the Trump administration’s efforts to eliminate vital energy efficiency standards for household appliances, as referenced in Project 2025. These standards, which have been established over the past few decades, have played an integral role in reducing energy consumption, lowering utility bills, and helping consumers make sustainable choices. Rolling back these standards would directly harm consumers and the environment, leaving us more vulnerable in the face of the climate crisis.     

“These appliances likely conserve a significant amount of energy, and in this time of heightened climate challenges, we must take every step possible to make our appliances both safer and more energy-efficient—both of which are entirely achievable,” said Sally Greenberg, NCL CEO. “It’s essential that we continue to hold manufacturers accountable for producing appliances that not only protect our planet but also reduce the financial burden on consumers.”     

High-efficiency household appliances offer substantial benefits to the United States in terms of energy savings, economic advantages, and environmental protection. 

  •  According to the Appliance Standards Awareness Project (ASAP), energy standards saved U.S. consumers $63 billion on utility bills in 2020 (ASAP, 2021). 
  • The U.S. Energy Information Administration (EIA) reports that household appliances account for nearly 30% of residential electricity use (EIA, 2022). 
  • The Business Council for Sustainable Energy (BCSE) found that federal appliance standards saved the U.S. nearly 680 terawatt-hours (TWh) of electricity in 2021, or 16% of total electricity generated that year—enough to power over 60 million homes for a year (BCSE, 2022 Sustainable Energy in America Factbook).

NCL calls for a renewed commitment to energy efficiency, which is a vital step towards achieving a more sustainable future. We urge policymakers to prioritize consumer protection, energy savings, and environmental responsibility by maintaining and strengthening energy efficiency standards.   

###     

About the National Consumers League (NCL)    

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.