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 | Food

Will U.S. trade deal with Europe threaten our safety and pocketbooks? | Ed Mierzwinski

(Updated 15 June 2013) U.S. officials have begun discussing a new Transatlantic Trade and Investment Partnership with Europe. The deal poses a serious threat to strong U.S food safety laws, new U.S. rules designed to prevent another bank-induced economic collapse and many other public protections. The threat will be lessened if the U.S. reverses its plan to conduct negotiations in the full view of some 600 industry "advisors" but secretly from the rest of us.

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Blog Post | Consumer Protection

Five Things The Credit Bureaus Don't Want You To Know | Ed Mierzwinski

If your name is Judy Thomas, you live in Ohio and you have good credit, you don't want to be mixed up with Judith Kendall who lives in Utah and doesn't have good credit. Last week, Judy explained her story to a U.S. Senate Commerce Committee hearing on credit bureau mistakes. We learned at least five things that the credit bureaus don't want you to know.

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News Release | U.S. PIRG | Consumer Protection

Selection of New Director for Federal Housing Finance Authority is Opportunity to Protect Consumers

The Federal Housing Finance Authority (FHFA) should be accountable to consumers, taxpayers and Congress as it works to stabilize housing markets. The selection of a permanent FHFA director is an important opportunity to restore this powerful office to a servant of the public, rather than a captured creature of moneyed interests.

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Blog Post | Consumer Protection

Senator McConnell says we shouldn't have a CFPB at all | Ed Mierzwinski

Senator Mitch McConnell (KY) told Wall Street and other bankers yesterday that "If I had my way, we wouldn't have the [Consumer Financial Protection Bureau] at all." Here's a list of some of the protections the rest of us -- consumers, veterans, students, and seniors -- wouldn't have at all if McConnell and Wall Street had their way and we didn't have a  CFPB at all.

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Prepaid cards can be a good choice if you choose wisely

Prepaid debit cards are billed as a better way to manage your money, a smart alternative to checking accounts. [...but prepaid] debit cards are different from credit cards or even debit cards tied to a checking account. They may not provide the same level of protection again loss or fraud. Ed Mierzwinski, director of consumer programs at U.S. PIRG, doesn’t think most people understand the difference.

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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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News Release | U.S. PIRG | Consumer Protection

Consumer and Privacy Groups Warn Online Tracking at "Alarming Levels"

Warning that “tracking and targeting of consumers online have reached alarming levels,” a coalition of 11 consumer and privacy advocacy organizations today sent a letter to Congress outlining the protections any online privacy legislation must include.

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

Three Groups Urge FTC to Investigate “Wild West” of Online Data Collection

Three consumer protection organizations on Thursday filed a complaint with the Federal Trade Commission (FTC), demanding the commission investigate growing privacy threats in the “Wild West” online.

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News Release | U.S. PIRG | Consumer Protection

Amendment Would Thwart FCC's Proposed Rules for an Open Internet

Despite the commitments made by the FCC and the President, Republican members of the Senate have introduced a measure that would prevent FCC action on Network Neutrality and leave consumers on the Internet vulnerable to unfair and discriminatory practices.

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News Release | U.S. PIRG | Consumer Protection

Lawmakers Should Support a Broadband Plan Which Serves the Public Good

On the eve of One Web Day, public interest groups are urging Congress to support the National Broadband Plan.

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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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Blog Post | Consumer Protection

Arbitration: it's not just bad for you, it's bad for fair arbitrators, too | Ed Mierzwinski

A Bloomberg columnist is reporting that the securities industry's self-regulator FINRA has fired 3 arbitrators who ruled against BofA's Merrill Lynch in favor of a presumably grievously ripped-off investor (they rarely win). It's time for both the SEC, for investors, and the CFPB, for consumers, to step up and use their Wall Street Reform and Consumer Protection Act powers to ban forced arbitration.

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Blog Post | Consumer Protection

On the Internet, Everyone Knows If You're A Big Dog, Or Just A Dog | Ed Mierzwinski

A Wall Street Journal story today has everyone talking about how Internet sites use profiles and cookies to offer different customers different offers, or the same product for different prices. On the Internet today, everybody knows whether you're a big dog, or just a dog.

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Blog Post | Consumer Protection

CFPB launches searchable credit card complaint database today | Ed Mierzwinski

Joining agencies that regulate cars, toys and other consumer products, medical devices and airline service, today the Consumer Financial Protection Bureau rolls out a searchable online complaint database. The CFPB's new tool, for credit cards to start,  comes in the nick of time to help consumers who the LA Times warns may be tricked into automatically signing up for an over-priced junky Citibank add-on monitoring service.

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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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