H.R. 4986 is the End Operation Choke Point Act of 2014. But what is Operation Choke Point? It's a Justice Department initiative investigating banks associating with payday lenders, payment processors, and other corporations that may or may not be committing money laundering. Supporters of H.R. 4986 claim that (among other things!) that Justice has been abusing the law to hurt gun dealers, but they've produced no proof, and anyway the law requires banks to keep such tabs on the other corporations with which they do business. Make no mistake, Operation Choke Point is no egregious abuse of federal power like the NSA spying on your phone calls and emails -- and we shouldn't be too upset if it dissuades banks from associating with payday lenders, who are banned in 15 states and regulated in many others and who typically make triple (or more) the size of their loans in just a few months, thanks to hidden fees and confusing terms. Why banks would want to be associated with that is beyond me. So CREDO helps you oppose a bill that's little more than a bailout for the payday loan industry.
Meanwhile, negotiations continue on the Trans-Pacific "Partnership," another "free" trade agreement which enriches corporate leaders while restricting the freedom of the rest of us. How? Mainly by allowing corporations to nullify our hard-fought labor and environmental laws, for example, laws which keep workers safe from exploitation (and therefore free) and keep air and water clean (thus keeping its breathers and drinkers free) -- but also by imposing a draconian copyright regime that would silence free speech on the mere suspicion of violating a copyright. Naturally the Obama Administration recognizes that such a "free" trade agreement would be absolutely repugnant to the American people; hence our government's push for a "fast-track" process which would enable the President to ram the TPP through Congress on an up-or-down vote with minimal debate. And we know why they're afraid of debate. Public Citizen helps you tell your Congressfolk that you oppose "fast-track," and also that you oppose "free" trade deals like the TPP that don't protect Americans and mock the rule of law.