I haven't looked into the issue too deeply, but as far as I understand it, Collective Shout has supposedly been organizing letter-writing campaigns to the big payment processors and telling them about all the horrible stuff online that you can buy with your Visa or MasterCard.
Here's a recent blog post where this organization takes credit for a recent change to Steam's TOS, for example: https://www.collectiveshout.org/win-new-steam-policy-games-removed