What Consumers Can Do To Protect Themselves Against Binding Mandatory Arbitration Agreements
  • Shop around before you borrow or arrange credit. 
  • BMA-Free Credit Cards:  Many credit cards issued by national banks have BMA clauses.  Choose one that does not, and if you already have a credit card that requires BMA, consider closing it and transferring your outstanding balance to a card that does not have one: 
  • AARP credit cards do not have these clauses.
  • Most credit union credit cards do not have these clauses.
  • Some small bank credit cards do not have these clauses.

When you close your account, send a short letter explaining that your tax dollars support a civil justice system and that mandatory binding arbitration is unnecessary. See

  • Vehicle Purchases: 
  • Read the Ten Tips for Car Buyers at
  • Call the dealership before you buy to find one that does not require BMA. Be willing to walk away from a dealer who insists on BMA in the loan or sales contract.
  • Home Mortgages:
  • Do not deal with home lenders who require BMA clauses!
  • One tip:  Freddie Mac and Fannie Mae do not allow BMA clauses. Many credit unions also do not permit them.
  • Other Creditors and Service Providers:
  • Use our downloadable “bill stuffer” to try to repudiate an existing BMA at

2)   Speak Up and Take Action!

Write your member of Congress:

  • Today, write your congressperson and senator personal letters opposing BMA in consumer, employment, and franchisee contracts. A personal letter is a powerful statement.
  • Ask them to help sponsor legislation to protect you from these abusive clauses.  Check our Web site for developments at: