Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

U.S. PIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 30 years, U.S. PIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, U.S. PIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

News Release | U.S. PIRG | Consumer Protection

PIRG Applauds CFPB’s Action Against Experian For Practice That Deceives Consumers

Yesterday, the Consumer Financial Protection Bureau (CFPB) took disciplinary action against the credit bureau Experian and its subsidiaries for claiming the credit scores it marketed and provided to consumers were used to make credit decisions when in fact they were not.

> Keep Reading
Blog Post | Consumer Protection

Student, Veterans, Other Groups Defend Gainful Employment Rule, Other Student Protections To Congress | Chris Lindstrom

We joined The Institute for College Access and Success, the AFL-CIO, Americans for Financial Reform, Consumers Union, Student Veterans of America, Veterans for Common Sense and a total of 53 organizations in a letter to the Congress opposing any effort to delay, roll back, or repeal the Department of Education's gainful employment rule, 'borrower defense' and college accountability rules, or the ban on incentive compensation for encouraging enrollment in for-profit schools.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Guilty Plea By Volkswagen is an Important Step, Jail Time Should Come Next

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on today’s guilty plea by Volkswagen in its criminal court case for emission violations.

> Keep Reading
Blog Post | Consumer Protection

CFPB Is On The Job Protecting Consumers | Ed Mierzwinski

While powerful special interests, Senators, the Chairman of the House Financial Services Committee and the White House call for dismantling the CFPB, firing its excellent director, or worse, CFPB continues to be an agency that is on the job, conducting business as usual to protect consumers. Its latest "Monthly Complaint Snapshot" is an open window into the many reasons we need a strong CFPB.

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U.S. PIRG Statement on President Trump’s First Address to Congress

President Trump gave his first address to a joint session of Congress on Tuesday, highlighting his legislative priorities for the coming year. His speech touched on issues ranging from the budget, infrastructure, and special interest influence in government.

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News Release | U.S. PIRG | Consumer Protection

Unilever: Go Toxic-Free

On Valentine’s Day, consumer groups thank Unilever for great first step in disclosing fragrance ingredients and call on personal care giant to go toxic-free.

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

Executive Orders Threaten CFPB, Other Critical Wall Street Reforms

The President is expected to sign Executive Orders today designed to re-rig the financial system by dismantling critical Wall Street reforms, including to weaken the Consumer Financial Protection Bureau. Our statement in opposition is below.

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News Release | U.S. PIRG | Consumer Protection

PIRG, Consumer Advocates Join Fight to Protect CFPB in Court

Today, U.S. PIRG, Americans for Financial Reform, The Leadership Conference on Civil and Human Rights, the Center for Responsible Lending, Self-Help Credit Union and Maeve Elise Brown, who chairs the CFPB Consumer Advisory Board, filed a motion with the DC Circuit, US Court of Appeals for leave to intervene in PHH vs. CFPB, a lawsuit challenging the CFPB's single-director structure. Today, Senator Sherrod Brown (OH) and Rep. Maxine Waters (CA), ranking members of the Senate Banking and House Financial Services Committees, also filed a similar motion. Earlier this week, 17 state Attorneys General filed a similar motion on behalf of their citizens. 

> Keep Reading
News Release | U.S. PIRG | Consumer Protection, Make VW Pay

Fiat Chrysler Should Pay Penalties for Excess Pollution

Statement by Mike Litt, Consumer Advocate at U.S. PIRG on the EPA’s allegations against Fiat Chrysler for using software in some EcoDiesel vehicles that allow them to exceed pollution limits.

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News Release | U.S. PIRG | Consumer Protection

Consumer Bureau Under Attack

Statement by Mike Litt, Consumer Advocate, at U.S. PIRG about expected attacks against the Consumer Bureau in the 115th Congress.

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

Trouble in Toyland 2015

For 30 years, U.S. PIRG Education Fund has conducted an annual survey of toy safety, which has led to an estimated 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

Why You Should Get Security Freezes Before Your Information is Stolen

Here are tips for preventing ID theft and using a security freeze:

How To Avoid Identity Theft

How To Use a Security Freeze

> Keep Reading
Report | U.S. PIRG & Center for Digital Democracy | Consumer Protection

Comments to U.S. Treasury Department on Online Marketplace Lending

In response to a "Request for Information" from the U.S. Treasury Department, last week U.S. PIRG and the Center for Digital Democracy filed a detailed comment recommending that regulators take a close look at the activities of a new "Big Data" financial sector of online marketplace lenders, which includes so-called "peer-to-peer" lenders. While the sector has potential to be innovative and provide lower-cost loans to consumers, and to improve financial opportunity for underserved consumers, there are risks in "light-touch" regulation.

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Report | US PIRG Education Fund | Consumer Protection

Mortgages and Mortgage Complaints

Our sixth report analyzing complaints in the CFPB's Public Consumer Complaint Database evaluates mortgage complaints, the number one source of complaints to the CFPB, totaling 38% of nearly 500,000 complaints posted since 2011.

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Blog Post | Consumer Protection

CFPB Is On The Job Protecting Consumers | Ed Mierzwinski

While powerful special interests, Senators, the Chairman of the House Financial Services Committee and the White House call for dismantling the CFPB, firing its excellent director, or worse, CFPB continues to be an agency that is on the job, conducting business as usual to protect consumers. Its latest "Monthly Complaint Snapshot" is an open window into the many reasons we need a strong CFPB.

> Keep Reading
Blog Post | Consumer Protection

Defending the Consumer Bureau and Richard Cordray | Kathryn Lee

“Rich Cordray is the LeBron James of regulators, it makes no sense to fire him.” Our consumer program director, Ed Mierzwinski, is right. We need to maintain a strong and independent Consumer Financial Protection Bureau, free from political and outside-industry influence. And to do that, we need to ensure Richard Cordray remains the Bureau’s director until the end of his term.

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Blog Post | Consumer Protection

The internet should be free and open | Kathryn Lee

Net neutrality is the basic principle that all internet traffic should be treated equally. And this principle is being dismantled by the new Federal Communications Commission.

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Blog Post | Consumer Protection

Consumer protection suspended | Kathryn Lee

On Monday, President Trump promised to do “a big number” on the Wall Street reforms we helped pass in the aftermath of the Great Recession. On Friday, he started to follow through on his promise, delaying a commonsense consumer protection to require retirement advisers to act in their clients’ best interests.

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Blog Post | Consumer Protection

This week, CFPB Sues TCF Bank for overdraft schemes and loan servicer Navient for "failing" students | Ed Mierzwinski

Despite an escalation of threats to exterminate the Consumer FInancial Protection Bureau, CFPB continues to protect consumers well. This week it sued TCF Bank over deceptive overdraft marketing schemes and it sued Navient, the student loan servicer and Sallie Mae spinoff, for "failing" students at every step of the repayment process. The TCF complaint notes that its CEO brazenly named his boat "Overdraft."

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