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 27 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 buying safer 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

Blog Post | Consumer Protection

Weird Big Bank Trick Raises Price of Beer and Soda | Ed Mierzwinski

UPDATED: August 8. Many of Enron's schemes involved sham transactions with itself that the SEC alleged had "no economic substance."  Taking a page from Enron's book, mega-bank Goldman Sachs is now moving tons of aluminum around and around its Detroit warehouses in similar transactions without apparent economic substance except to increase Goldman profits while raising costs of beer, soda and other goods relying on aluminum, delaying deliveries and disrupting aluminum markets. At a Senate hearing on the practice, Senator Elizabeth Warren (MA) said: "This movie will not end well."

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News Release | U.S. PIRG | Food

Ag Subsidies Pay for 20 Twinkies per Taxpayer, But Only Half of an Apple Apiece

Federal subsidies for commodity crops are subsidizing junk food additives like high-fructose corn syrup at a rate that would buy 20 Twinkies for each taxpayer every year, according to U.S. PIRG's new report, "Apples to Twinkies 2013." Meanwhile, subsidies for fresh fruits and vegetables would buy just one half of an apple per taxpayer per year. These subsidies are part of the Farm Bill that expires in September.

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Report | U.S. PIRG | Food

Apples to Twinkies 2013

At a time when America faces high obesity rates and tough federal budget choices, taxpayer dollars are funding the production of junk food ingredients. Since 1995, the government has spent $292.5 billion on agricultural subsidies, $19.2 billion of which have subsidized corn- and soy-derived junk food ingredients.

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News Release | U.S. PIRG | Food

House Poised to Approve Bill Continuing Giant Giveaways to Big Agribusiness

U.S. PIRG urges the House to vote NO on the Farm Bill scheduled to be voted on today. Like the Senate’s Farm Bill, this legislation would keep the gravy train flowing for big agribusiness, locking in their unjustified corporate handouts for the next five years.

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News Release | U.S. PIRG | Food

House Rejects Farm Bill Loaded with Subsidies to Big Agribusiness

The failure of this Farm Bill is a wake-up call: The House now has the chance to make serious changes to this legislation. Our elected leaders should stand up for taxpayers, not Big Ag, by ending wasteful subsidies once and for all.

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News Release | U.S. PIRG | Food

Senate Committee Approves New Taxpayer Giveaways to Big Ag

The Senate Agriculture Committee’s proposed Farm Bill would entrench taxpayer handouts to large agribusinesses and underwrite junk food ingredients

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Reuters: Bank Transfer Day saw 600,000 switch

Bank of America (BofA) Gets Hit By $5 Debit Card Fee, Consumers Move Their Money From Big Banks. Read the story. Then, get more info at U.S. PIRG's Bank Fee Tips. Check out our April 2011 report Big Banks, Bigger Fees for more details.

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Media Hit | Food

Fox News: New Report Links Agricultural Subsidies to Childhood Obesity

A report by the U.S. Public Interest Research Group, or U.S. PIRG, titled “Apples to Twinkies: Comparing Federal Subsidies of Fresh Produce and Junk Food” found that between 1995 and 2010, the U.S. has spent more than $260 billion on agricultural subsidies.

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News Release | U.S. PIRG | Food

Representative Jeff Flake Introduces REAPS Act

Statement of U.S. PIRG Federal Legislative Office Director Gary Kalman on the introduction of the Reducing the Deficit through Eliminating Agriculture Direct Payment Subsidies Act.

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News Release | U.S. PIRG | Food

House Committee Approves Cut to Agriculture Subsidies

Every year, billions of taxpayer dollars are directed toward agribusiness -- artificially driving down the cost of fats and sugars by subsidizing commodity crops like corn and soybeans. Meanwhile, the prices of fruits and vegetables, grown with relatively little government support, have steadily increased by nearly 40% in the past 20 years.

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Blog Post | Consumer Protection

Corporate crime wave! Do any big banks make money by earning it? | Ed Mierzwinski

The CFPB/OCC settlement with Capital One for deceiving credit card customers into purchasing junky ripoff add-ons comes hard on the heels of revelations that other banks have been caught or are being investigated for LIBOR bid rigging, mortgage discrimination and aiding money launderers. Do any big banks earn money by offering innovative, fair and sustainable products anymore?

> Keep Reading
Blog Post | Consumer Protection

CFPB Fines Capital One For Deceptively Marketing Junky Payment Protection, Credit Monitoring to Cardholders | Ed Mierzwinski

(UPDATED): The CFPB, which turns one on Saturday, is coming of age with the announcement of its first enforcement action, against Capital One Bank, for deceptive marketing of junky payment protection and credit monitoring products to cardholders. Capital One will pay over $200 million in direct restitution and civil penalties.

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Blog Post | Consumer Protection

CFPB Issues Rule Regulating Big Credit Bureaus | Ed Mierzwinski

Today, as expected, the CFPB announced its first "larger participants" rule, giving itself the authority to supervise, or look inside the mysterious "black box" operations, of the biggest credit bureaus. This is a really big deal for consumers who've suffered through the mistakes made by these gatekeepers to financial and employment opportunity.

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Blog Post | Consumer Protection

Visa/Mastercard settlement may allow surcharges, but some stores say unfair practices not ended | Ed Mierzwinski

A reported $5 billion settlement over anti-competitive practices by Visa and Mastercard that raise prices for all consumers at the store and at the pump will allow merchants to surcharge credit card transactions in some circumstances. But the convenience stores oppose the settlement as too weak to protect them.

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Blog Post | Consumer Protection

CFPB May Announce It Has "Guns, Lots of Guns" To Regulate Credit Bureaus | Ed Mierzwinski

The CFPB travels to Detroit Monday, July 16th, for a field hearing on credit reporting. It seems like a fine opportunity to announce a final anticipated rule giving it full authority -"guns, lots of guns" - to look inside the black box operations of Trans Union, Equifax and Experian-- the Big Three self-anointed and little-scrutinized gatekeepers to financial and employment opportunity despite their long record of mistakes and failure to give consumers a chance to fix them.

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TOY SAFETY TIPS ON-THE-GO

From toxic chemicals to choking hazards to dangerous magnets, see what dangerous toys to watch out for while you shop.

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