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Stop Payday Predators

Payday loans are among the most predatory forms of credit on the market. Though they are marketed as having “reasonable” fees or charges, typical interest rates exceed 300 percent. And because the payday lenders’ bottom line actually depends on borrowers’ inability to repay — most payday fees come from borrowers who take out more than 10 loans a year — they target people with low incomes and no other options.

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News Release | U.S. PIRG | Democracy

Vermont becomes fourth state to pass automatic voter registration

Thursday morning, Governor Peter Shumlin signed automatic voter registration (AVR) legislation into law making Vermont the fourth state to pass such legislation.

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News Release | U.S. PIRG | Transportation

New Survey Finds 1 in 3 Mayors Worried Underinvestment in Infrastructure is Putting Lives at Risk

A new survey by Politico Magazine of U.S. mayors has found that 1 in 3 mayors believe that underinvestment in infrastructure is putting lives at risk, and a plurality of mayors, some 40 percent, believe that that transportation and infrastructure should be the next administration’s highest urban priority.

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News Release | U.S. PIRG | Democracy

Big Money Continues to Sweep Congressional Primaries in MD, PA

On Tuesday, candidates in Maryland and Pennsylvania competed in some of the most expensive congressional primaries yet this election cycle.

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Blog Post | Transportation

Breaking the Silence on Transportation and the Climate

Transportation policy-makers in most states and at the federal level have simply never seen it as their business to consider, much less act to reduce, the climate impacts of their infrastructure investment decisions. The Obama administration’s actions last week, however tentative, suggest that that is about to change.

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

Obama Budget Closes Tax Loopholes, Cuts Wasteful Spending, but Falls Short of Ending Offshore Tax Dodging

"President Obama’s budget deserves praise for closing egregious offshore tax loopholes and preventing companies with enough lawyers from using tax havens to get their tax bill down to zero. Unfortunately it fails to end the incentive for wealthy multinationals to take advantage of tax havens, and would fall short of putting an end to offshore tax dodging.

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News Release | U.S. PIRG | Budget

Statement on the President's State of the Union Address

The State of the Union address is the President's opportunity to articulate his priorities.  In a time of divided government, action on many of the President's priorities will require an agreement with Congress.  However, it is notable the range of issues raised by the President where he and his Administration can take action independent of Congress. We list our U.S. PIRG position on key highlights:

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News Release | U.S. PIRG | Democracy

U.S. PIRG Applauds Reintroduction of Reform Legislation on the Fifth Anniversary of Citizens United

On the fifth anniversary of the wrong-headed Citizens United decision, the need to get big money out of our elections couldn’t be greater. U.S. PIRG applauds the reintroduction of critical reform legislation by over a dozen leaders in Congress today, including the Democracy for All Amendment, introduced by Senator Tom Udall, and the Government by the People Act, introduced by Rep. John Sarbanes.

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News Release | US PIRG | Tax

S&P Settlement Could Leave Taxpayers Partly Underwater Again

Standard & Poor’s (S&P), the bond-rating agency whose past practices have been tied to the mortgage crisis, is in negotiations with the U.S. Justice Department to settle allegations of civil fraud with a payout of over $1 billion. Unless the Justice Department specifically forbids it, the deal could allow S&P to claim the payment as a deductible business expense worth more than $350 million.

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Report | U.S. PIRG Education Fund | Financial Reform

Halfway to the CFPB

The CFPB Implementation Team staff are making significant progress in their efforts to both build an effective agency and be ready to perform required functions by the transfer date (July 21, 2011).

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

Trouble In Toyland 2000

This 2000 Trouble In Toyland report is the fifteenth annual PIRG toy safety survey. PIRG uses results from its survey to educate parents about toy hazards and to advocate passage of stronger laws and regulations to protect children from toy hazards. 

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Report | U.S. PIRG | Public Health

Weird Science 2000

Genetic engineering permits scientists to manipulate genetic materials in ways that were once inconceivable. But the technology relies on methods that result in haphazard insertion of genetic elements into a plant's genetic code. This in turn may lead to disruption of complex gene interactions and unintended, potentially catastrophic results. It is a technology that has the power to transform food and the food supply in ways not possible with traditional breeding. Genetic engineering is very different, very powerful and worth a great deal of caution.

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Report | U.S. PIRG | Health Care

D.C. Area Consumers Pay More for Prescription Drugs While Pharmaceutical Profits Soar

A price survey of 33 pharmacies in the D.C. Area, conducted by the national consumer groups Public Citizen, U.S. PIRG and the D.C. chapter of the Gray Panthers shows that consumers who lack prescription drug coverage are being charged retail prices that are nearly double the prices prescription drug makers charge their most favored customers.

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Report | U.S. PIRG Education Fund | Democracy

Lone Star Election Laws

Texas lags behind most states in several key areas of campaign finance law, according to a report released today by the U.S. PIRG Education Fund and Texans for Public Justice. The report, titled Lone Star Election Laws found that Texas is one of only 14 states in the country that place absolutely no limit on what wealthy donors can give a candidate. Further, Texas does nothing to cap the massive levels of campaign spending or limit contributions from out of state donors.

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Blog Post | Budget

Our Taxpayer Dollars: Going to Waste and Wealthy Corporations | Jaimie Woo

 

Congress just passed a Farm Bill that will put taxpayers on the hook for another five years of billion-dollar handouts to huge, wealthy agribusinesses. Even the most modest reforms to trim subsidies were stripped out or watered down at the last second by the chairs of the House and Senate Agricultural Committees.

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Blog Post | Consumer Protection

Senators Support Improving Debit Card Fraud Rights | Ed Mierzwinski

At a hearing Monday on Target and other data breaches, Senators endorsed our longtime platform that all plastic -- debit or credit -- should have the same consumer protections. Right now, Debit card users have "zero liability" promises from their banks, but credit card users have strong protections by law.

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Blog Post | Financial Reform

Target says "Oops, 70-110 million consumers hacked." | Ed Mierzwinski

Target is now saying that "a range of 70 million to 110 million people," not the original 40 million customers, had their credit or debit card numbers hacked in December. Even worse, Target is admitting that the database stolen included email addresses and phone numbers, which leaves consumers vulnerable to phishing attacks that could lead to identity theft, as if fraud on existing accounts wasn't enough. Here are some tips.

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Blog Post | Consumer Protection

new CFPB mortgage rules and tools available | Ed Mierzwinski

CFPB Director Rich Cordray appears on The Daily Show tonight Wednesday to talk about CFPB's new mortgage lending and servicing rules that take effect Friday, 10 January. Read on to find out more about the rules and also about the many self-help tools the CFPB has created to help homebuyers and homeowners protect themselves.

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Blog Post | Consumer Protection

Retailers appeal swipe fee settlement with Visa/Mastercard | Ed Mierzwinski

Yesterday, big retailers filed an appeal of last month's announced final settlement order in an antitrust case involving price-fixing by Visa and Mastercard. PIRG backs the merchants because non-negotiable swipe fees force all consumers, including cash customers, to pay more at the store and more at the pump.

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DEFEND THE CFPB

Tell your senators to oppose the “Financial CHOICE Act,” which would gut Wall Street reforms and destroy the Consumer Financial Protection Bureau as we know it.

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