This plan puts people instead of corporations in control of their data, their digital identity, and everyday financial experiences. It guarantees honesty, transparency, and strong protections against fraud, manipulation, and misuse, ensuring every American can participate in the modern digital community with confidence and safety.
DIGITAL AGE
CONSUMER PROTECTION PLAN
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Give every American true ownership of their personal information and digital footprint while creating legal pathways for individuals to profit from their own data.
All data sales or transfers, including personal information, behavioral data, and metadata, require explicit opt-in consent. Any company entering into an opt-in agreement must register that agreement with the Consumer Financial Protection Bureau (CFPB) to ensure fast, effective, and permanent opt-out capability for consumers.
Individuals legally own their digital footprint (location data, spending behavior, online interests, biometric identifiers, and social connections) and may choose to sell or license that data directly to companies on their own terms.
Every American receives a federally protected right to view, correct, delete, download, transfer, or sell their personal data. Companies must provide clear portals for consumers to control their information or work through government channels, with penalties for refusal or delay.
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Protect every American from unauthorized or exploitative use of their image, voice, and biometric identity in the age of AI and deepfake technology.
- Grants every individual full legal ownership of their image, voice, likeness, and biometric data, preventing companies or individuals from using or replicating them without explicit permission.
- Makes it illegal to generate, distribute, or profit from AI-produced likenesses of a person, including deepfake videos, synthetic voices, or fabricated images without that person’s consent.
- Establishes a dedicated federal office to enforce these rights, provide rapid takedown mechanisms, support victims of digital impersonation, and impose penalties on bad actors and platforms that fail to respond. -
End deceptive subscription tactics, hidden fees, and predatory renewal practices that trap consumers in services they never intended to continue.
Requires all subscription-based services to provide simple, immediate cancellation options with no hidden menus, no long phone calls, no tactics designed to make quitting difficult.
Mandates upfront disclosure of true total costs, including promotional pricing end dates, renewal amounts, and all recurring fees before a consumer signs up.
Outlaws digital design tricks that mislead consumers into subscribing, renewing, or paying more than intended, and imposes penalties for companies that use deliberately confusing or deceptive interfaces.
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Protect working families from predatory overdraft fees, deceptive transaction practices, and banking policies designed to profit from financial hardship.
- Caps overdraft fees at $5 and prohibits “fee-stacking” practices that drain accounts through repeated penalties.
- Requires all banks to offer a fee-free subsistence checking account with no bill statement or maintenance charges, ensuring every American has access to safe, affordable financial services.
- Customers can invest money into Overdraft Management Funds, which do not read as accessible bank funds but are pulled like from a savings account to prevent Overdraft Fees. -
End hidden fees and deceptive pricing by ensuring every American sees the real, honest cost of goods and services before they buy.
Mandates that the first price shown must be the final price paid, including taxes, facility fees, resort fees, service charges, and any other mandatory add-ons.
Applies to airlines, hotels, utilities, medical billing, internet providers, phone plans, concerts, streaming services, and any business using bundled or recurring fees.
Imposes strong penalties for companies that advertise false prices, bury required fees in fine print, or mislead consumers with artificially low or incomplete pricing information.
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Protect seniors, families, and small businesses from scams, identity theft, and financial fraud by modernizing enforcement and strengthening consumer safeguards.
Requires banks, credit card companies, and digital payment platforms to notify consumers within five minutes of suspected fraudulent activity and provide immediate transaction freezes upon request.
Expands federal fraud investigation units, establishes a national digital fraud reporting portal, and strengthens cooperation between federal, state, and local agencies to identify and dismantle scam networks, being able to direct phone call spam messages to them.
Holds companies liable when they knowingly allow scams, identity theft, or fraudulent transactions to occur on their systems or websites, including penalties for failing to act on verified reports of fraud.