Consumers Union, the policy and advocacy arm of Consumer Reports, and the Consumer Federation of America (CFA) are pleased to contribute to the discussion on the legal and regulatory framework for consumer protections for mobile payments at FTC workshops such as Paper, Plastic…or Mobile? These workshops and convenings are necessary to increase dialogue between stakeholders to help focus on ensuring that consumers are provided with the strongest protections when payments are made with a mobile device. We offer the following comments, which can be found in greater discussion in Mobile Pay or Mobile Mess: Closing the Gap Between Mobile Payment Systems and Consumer Protections found at http://www.consumersunion.org/pdf/Mobile-Pay-or-Mobile-Mess.pdf.