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.


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.


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.


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.


Issue updates

Blog Post | Consumer Protection

CFPB Report Shows Credit CARD Act Works | Ed Mierzwinski

Last week, the CFPB released a report showing that the landmark PIRG-backed Credit CARD Act of 2009 is saving consumers billions of dollars by helping them avoid penalty fees and unfair interest rate increases. We joined CFPB director Richard Cordray and others in Chicago to discuss the report's findings.

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

CFPB Report Confirms 2009 Credit CARD Act Works to Protect Consumers

“Today’s CFPB report on the Credit CARD Act of 2009 confirms that the law has cleaned up the worst tricks and traps that riddled the credit card marketplace. Those traps saddled consumers with unfair penalty fees and high penalty interest rates, ultimately leading to massive and unsustainable credit card debt and even bankruptcies."

> Keep Reading
Blog Post | Consumer Protection

How To: Using the CFPB's Consumer Complaint Database | Laura Murray

Since June 2011, the Consumer Financial Protection Bureau (CFPB) has been getting results for consumers by allowing them to file complaints about a variety of financial products and services.  The complaint process has helped thousands of consumers settle disputes with their banks and lenders.  Many of these consumers obtain tangible relief through the process.

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Feds solve problems for unhappy bank customers

Got a beef with your bank and you can't get it resolved?
Don't sit there steaming. Complain to the Consumer Financial Protection Bureau (CFPB), the federal government's new financial watchdog.

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News Release | U.S. PIRG | Consumer Protection

CFPB Gets Results: Orders Chase Bank to Repay Consumers Over $300 Million Over Sale of Junky Credit Card Add-On Products That Weren’t Even Delivered

Yesterday the CFPB fined Chase Bank $20 million and ordered it to refund over 2 million consumers a total of over $300 million over the sale of junky credit card and debit card add-ons that weren’t even delivered.

> Keep Reading


Blog Post | Consumer Protection

Could portable bank account numbers ease moving your money? | Ed Mierzwinski

PIRG "Big Banks, Bigger Fees" reports have documented the many so-called "switching costs" problems consumers face when trying to move their money to a new bank (or credit union). Account number portability, which has worked well for phone company switching, could be a part of the solution.

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Blog Post | Consumer Protection

Tell Jamie Dimon: "Leave the Fed" and Other Bank News | Ed Mierzwinski

JP Morgan Chase chief Jamie Dimon has been one of the leading opponents of strong bank regulations but still sits on the board of one of his bank's chief regulators-- the New York Fed --despite his bank's recent gambling losses. Help us tell Jamie: it's time to go. 

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Blog Post | Food

Crop Insurance: A Taxpayer Giveaway by Another Name | Nasima Hossain

Just like other agriculture subsidies, the federal crop insurance program directs billions of taxpayer dollars to the biggest agribusinesses, with the payouts biased towards commodity crops that are often processed into junk food ingredients.  The program directly subsidizes agribusinesses’ insurance premiums on coverage they would buy anyway, making it yet another way taxpayer dollars pad Big Ag’s profits

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Blog Post | Consumer Protection

CFPB seeks your views on prepaid cards, including campus cards featured in our latest report | Ed Mierzwinski

The CFPB wants your views on general purpose reloadable prepaid cards. Some of the campus cards featured in U.S. PIRG Education Fund's new report, the Campus Debit Card Trap, are prepaid cards, others are debit cards, and there is a difference.

> Keep Reading
Blog Post | Consumer Protection

House banking committee takes action to aid predatory rent-to-own firms today | Ed Mierzwinski

(Updated 1 June) This morning the House Financial Services Committee will likely approve HR 1588, legislation designed solely to allow the rent-to-own industry ("for only 104 weekly payments of $10.99, you can own this TV/computer/couch" for 3 or 4 times its total retail price) to preempt or override the laws of the several states that protect its consumers from predatory financial practices. Is that the role of the Congress?

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