I don't know about an action, but there is a way to do it in PS.
If you make a background layer that is filled with any color
Then use the Ctrl + Click on that layer icon to select the full 12x12 page
Once you see the dancing ants around the whole page
Then Click 'C' for the crop tool you'll see large bounding box, just hit ENTER 2 times
Then anything that was outside of your layout size should be cut off.
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