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

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.

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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Blog Post | Consumer Protection

Industry Tries to Toy with our Toy Report | Dev Gowda

It's mid-November, which for the general American population means that pumpkin-spice everything is all the rage, but for U.S. PIRG Education Fund staff, it means that our annual Trouble in Toyland report release is just around the corner. Apparently, the Toy Industry Association is also aware of our upcoming toy safety report.

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Blog Post | Public Health, Food

America is "getting smart" about antibiotic resistance | Anya Vanecek

Increasingly, we agree on this: antibiotic resistance is a major and growing threat to human and animal health, and we must do something to stop it. 

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

Volkswagen’s $1000 Gift Cards Fall Short

Statement by Mike Litt, National Consumer Advocate with U.S. PIRG, on Volkswagen’s offer of $1,000 in gift cards to customers affected by its emission scandal.

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An error in your credit report? Complain to the feds

A mistake in your credit report can have serious consequences. It can hurt your ability to get a credit card, qualify for a loan, rent an apartment or even be hired for a job.
Find an error in your file and you want it corrected – quickly. But that doesn’t always happen. What do you do then? Complain to the Consumer Financial Protection Bureau (CFPB).

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News Release | U.S. PIRG | Consumer Protection, Higher Ed

U.S. PIRG Applauds CFPB Call for Greater Disclosure

Washington, DC — Today, the Consumer Financial Protection Bureau (CFPB) called on financial institutions to publicly disclose all of their card agreements with colleges and universities. Currently, institutions only need to disclose agreements regarding credit cards, but not debit, checking, or prepaid cards.

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News Release | U.S. PIRG | Consumer Protection

Advocates Decry Harm Done to Consumers by Forced Arbitration

On date of CFPB field hearing in Dallas to release report on forced arbitration clauses in consumer contracts, U.S. PIRG, Americans for Financial Reform, National Consumer Law Center, National Association of Consumer Advocates and Public Citizen issue joint release. From the release: “Unfair arbitration clauses encourage unfair corporate practices and sloppy customer service,” said Ed Mierzwinski of U.S. PIRG. “If your customers cannot take you to court, why should you care about their complaints? We urge the CFPB to act quickly to ban forced arbitration clauses in financial products and services contracts.”

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

New Report Analyzes Complaints About Credit Bureaus

WASHINGTON— According to new analysis from the U.S. PIRG Education Fund, thousands of consumers with errors on their credit reports are getting relief through the Consumer Financial Protection Bureau (CFPB). The report also found that credit reporting agencies vary widely in how they respond to consumer complaints: Equifax responded to over half with relief, while Experian responded with relief to only 5 percent. 

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News Release | U.S. PIRG Education Fund | Consumer Protection, Higher Ed

New Report Identifies Most Troublesome Private Lenders to Students

WASHINGTON – Thousands of American students are using the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database to settle disputes about private student loans, according to a new report from the U.S. PIRG Education Fund.

Sallie Mae, the student lending giant, generated the most private student loan complaints nationally, and ranked first or tied for first in every single state. Student loan borrowers in the U.S. carry $24,803 on average in total student loan debt.

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Blog Post | Consumer Protection

CFPB Begins Payday Regulation Push In Richmond | Ed Mierzwinski

We joined the CFPB in Richmond Thursday for a field hearing on a proposed rule to regulate payday lending and similar high-cost short-term loans. The CFPB's draft rule is comprehensive, covering a variety of loans, but it contains potential loopholes that we and other advocates will urge the bureau to close before it finalizes this important effort. Here's a short blog with some photos from Richmond.

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Blog Post | Consumer Protection

CFPB Adds Consumer Stories to Public Complaint Database | Ed Mierzwinski

Today, the CFPB took a step to make its excellent public database of consumer complaints even better, by adding complaint narratives (stories), but only with the consumer's consent. It's a step we've long urged. It will enrich our research into the marketplace, help consumers make choices and help good-actor firms avoid bad practices by others.

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Blog Post | Consumer Protection

As House Holds Oversight Hearing, 340 Groups Call For Defense of CFPB | Ed Mierzwinski

Today, Consumer Financial Protection Bureau Director Richard Cordray will present the CFPB's sixth semi-annual report to the House Financial Services Committee, whose majority members have been harsh critics of the successful consumer agency. Americans for Financial Reform, joined by the state PIRGs and a total of 340 national, state and local groups, sent Congress a letter explaining why the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

Competition laws also important to protect markets and consumers | Ed Mierzwinski

When companies use illegal practices to keep prices high or limit entry of innovative or lower-cost competitors, everyone loses. Learn more about our recent efforts under the antitrust and competition laws to make markets for prescription drugs and payments cards work fairly.

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Blog Post | Consumer Protection

Coalition Launched To Protect Retirement Savings from Wall Street Loopholes | Ed Mierzwinski

We've joined AARP, the Consumer Federation of America, AFL-CIO, Americans for Financial Reform and other leading groups to support an imminent Department of Labor rule to require retirement advisors to put consumers first. Wall Street brokerages and insurance companies have already launched a fierce lobbying attack, since they've been using loopholes to put themselves first to the tune of an estimated $17 billion/year by pocketing what should be your retirement income.

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