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News Release | U.S. PIRG | Democracy

On Argument of McCutcheon v. FEC, Democracy Groups Call for Constitutional Amendment

As the Supreme Court prepares to hear oral arguments in McCutcheon v. FEC, U.S. PIRG and seven other pro-democracy groups are speaking out on the urgent need for amending the Constitution to protect the integrity of our democracy.

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Media Hit | Budget, Tax

The $4 Billion Question: Do We Value JPMorgan More Than Consumer Protection?

Is $4 billion in taxpayer money better spent subsidizing JPMorgan's alleged criminal activity or funding the federal agency charged with defending consumers from dangerous financial products?

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

CFPB Report Confirms 2009 Credit CARD Act Works to Protect Consumers

“Today’s CFPB report on the Credit CARD Act of 2009 confirms that the law has cleaned up the worst tricks and traps that riddled the credit card marketplace. Those traps saddled consumers with unfair penalty fees and high penalty interest rates, ultimately leading to massive and unsustainable credit card debt and even bankruptcies."

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News Release | U.S. PIRG | Transportation

New Study Finds Technology Enabling Americans to Drive Less

In a first-of-its-kind study, U.S. PIRG compiled nation-wide evidence on transportation apps and vehicle sharing programs, and found that these advanced new tools have made it easier for Americans to drive less. Real-time apps and on-board wi-fi for public transit, as well as carsharing, bikesharing and ridesharing have spread rapidly in recent years while driving has declined. The report examines new evidence on how these practices are changing travel behavior.

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News Release | U.S. PIRG | Democracy

Support for Amending the Constitution to Overturn Citizens United is Now One-Third of the Way There

Advocates are celebrating a significant milestone in the campaign for a constitutional amendment to overturn the U.S. Supreme Court’s 2010 ruling in Citizens United that opened the floodgates of money from corporations and the ultra wealthy into our political system. Support for the campaign now stands at one-third of what is needed for victory.

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News Release | U.S. PIRG | Higher Ed

Students React to President's Budget Proposal on Student Loans

While the President’s budget keeps rates low in the near term, we’re disappointed that it risks sky-high interest rates in the long term. The structure of the proposal switches student loan interest rates from a fixed rate to a rate that varies with the market, allowing students to take advantage of temporarily low rates, but offers no protection for students when rates inevitably begin to climb.

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News Release | U.S. PIRG | Budget, Tax

New Poll: Small Businesses Overwhelmingly Support Closing Offshore Tax Loopholes for Large Corporations

A new scientific poll of small businesses found that small business owners overwhelmingly support closing loopholes that let large multinationals avoid taxes by artificially shifting their profits offshore. 85% of small business owners oppose “a tax system that would allow U.S. multinational corporations to avoid taxes permanently by shifting their income to places like the Cayman Islands.”

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News Release | U.S. PIRG | Higher Ed

Federal Government Makes Billions from Student Loan Borrowers Yearly

Today, a coalition of youth and student groups released an issue brief demonstrating that the federal government is making billions in revenue through the federal student loan program. The report projects that student loans will generate over $36 billion in revenue in 2013, in part because of a scheduled July 1 doubling of Stafford loan interest rates.

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Media Hit | Higher Ed

New York Times: Student Loan Rate Set to Rise, Despite Lack of Support

“Higher education loans are meant to subsidize the cost of higher education, not profit from them, especially at a time when students are facing record debt,” said Ethan Senack, the higher education advocate at the United States Public Interest Research Group.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

CFPB Ends Kickbacks by Mortgage Insurers

U.S. PIRG applauds CFPB’s enforcement action, including over $15 million in total penalties, against four mortgage insurers to end the practice of giving kickbacks to mortgage companies to get their business.

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Report | U.S. PIRG Education Fund | Consumer Protection

Trouble In Toyland 2006

The 2006 Trouble in Toyland report is the 21st annual Public Interest Research Group (PIRG) survey of toy safety. This report provides safety guidelines for parents when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards. This year, we focused on four categories of toys: toys that may pose choking hazards, magnetic toys, toys that are excessively loud, and toys that contain potentially toxic chemicals.

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Report | U.S. PIRG Education Fund | Democracy

The Wealth Primary

Our analysis of Federal Election Commission (FEC) campaign finance data for the 2006 primary elections shows that money played a key role in determining election outcomes and that most campaign contributions came from a small number of large donors.

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Report | CALPIRG Education Fund | Tax

Sunshine for California

Corporate tax avoidance leaves taxpaying households to pick up the tab for funding highways, schools, and other public structures. Much of the indirect costs of aggressive tax avoidance are also borne by investors who are unaware of these risky schemes. And everybody suffers when corporate profitability is determined by opportunities for tax evasion rather than efficiency or innovation.

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Report | CALPIRG Education Fund | Budget

Sunshine for California

Corporate tax avoidance leaves taxpaying households to pick up the tab for funding highways, schools, and other public structures. Much of the indirect costs of aggressive tax avoidance are also borne by investors who are unaware of these risky schemes. And everybody suffers when corporate profitability is determined by opportunities for tax evasion rather than efficiency or innovation.

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Report | U.S. PIRG Education Fund | Higher Ed

Student Debt and Consumer Costs in the Minneapolis-St. Paul Area

Student loan debt is rising faster than the cost of living or health care costs. Between 1993 and 2004, the average debt for college graduates with loans increased by 107% to $19,200. At the same time, in the Minneapolis-St. Paul area, the cost of living increased by 35%, and health care costs (including insurance, drugs and medical care) increased by 58%.

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Blog Post | Democracy

Disempowered Bankers Start Super PAC, Reveal Plans for World Domination

While I am highly skeptical of the sentiment that "Congress is not afraid of bankers", given that banking lobbyists outnumber banking reform advocates 25-1 and that the Chairman of the Senate Financial Services Subcommittee seems to believe that "the banks own the place," the most ridiculous thing about members of the American Bankers Association's announcement of the industry's new Super PAC may be their willingness to reveal its strategy for skirting the non-coordination rules. This speaks volumes about how the industry thinks about its involvement in politics.

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Blog Post | Financial Reform

Corporate crime update: Phone companies stop cramming, but banks still run amok | Ed Mierzwinski

The industry trade paper American Banker is reporting  that "Bank of America Sold Card Debts to Collectors Despite Faulty Records" in 2009 and 2010. Good to know. It confirms previous consumer group studies that had documented that big banks were forcing consumers to arbitrate and pay "debts" that may not have been owed (some were due to identity theft or sloppy records). However, in the latest fallout from a U.S. Senate Commerce committee investigation of unauthorized third-party billing on phone bills (cramming), Chairman Jay Rockefeller has announced that ATT has joined other big telcos in finally promising to drop the tawdry practice of "cramming," which is a technical term meaning "making big bucks by allowing fly-by-night firms selling useless junky products consumers don't want and didn't buy to use phone bills as cash registers."

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Blog Post | Consumer Protection

Consumer Bureau Compared to Peace Corps | Ed Mierzwinski

Today, in his column "Government's Not Dead Yet," Joe Nocera of the New York Times pays a visit to the PIRG-backed Consumer Financial Protection Bureau, where he finds vision, idealism and people working to show that "government can make a difference in people’s lives."

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Blog Post | Financial Reform

FTC releases major report recommending privacy reforms | Ed Mierzwinski

The U.S. Federal Trade Commission (FTC) today released a major report on consumer privacy. From FTC -- "In the report, “Protecting Consumer Privacy in an Era of Rapid Change: A Proposed Framework for Businesses and Policymakers,” the FTC also recommends that Congress consider enacting general privacy legislation, data security and breach notification legislation, and data broker legislation."

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Blog Post | Democracy

Making Super PACs Illegal

Polling shows that almost 7 out of 10 voters believe that super PACs, the independent expenditure only committees created in the wake of the Supreme Court’s disastrous Citizens United decision, should be illegal. Unfortunately, due to the Court’s backwards interpretation of the first amendment, we cannot legislate away super PACs today. However, there are some very important steps that every level of government – from your city council to the White House - should take right now to mitigate the impact of super PACs before the 2012 election.

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The overuse of antibiotics on factory farms is threatening the effectiveness of lifesaving antibiotics. Call on the Obama administration to put an end to the worst practices.

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