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

Media Hit | Public Health, Food

Most voters want GMO food labels, poll finds

A majority of American voters support mandatory labeling of food containing genetically engineered ingredients, a new national poll commissioned by labeling supporters shows.

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Blog Post | Consumer Protection

20 groups call on FTC to protect consumers and prohibit the sale of certified used cars with unrepaired safety recalls | Deirdre Cummings

U.S. PIRG joined more than 20 consumer organizations in calling on the Federal Trade Commission (FTC) to prohibit the practice of selling “certified” used cars with unrepaired safety recalls. The formal comments were in response to the FTC's proposed settlements with General Motors, Jim Koons Management, and Lithia Motors. 

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Should You 'Freeze' Your Credit Files to Lock Out ID Thieves?

Identity thieves can do all sorts of devious things with your personal information — open a new credit card in your name, steal your tax refund, or even get medical care with your health insurance.

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Blog Post | Public Health, Food

We need a smarter farm bill | Steve Blackledge

New Congressional Budget Office data suggests this year's farm subsidies will cost more and produce unwanted outcomes.  

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Blog Post | Public Health, Food

President's New Budget Proposal Good on Antibiotics | Bill Wenzel

From where I sit, there’s a lot to like in the President’s budget.

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Mortgage settlement will send billions to struggling homeowners

Almost 4 million homeowners might receive cash compensation and mortgage relief in a multi-billion-dollar settlement with 10 major banks, government regulators announced Monday. [...] “The money is grossly inadequate for homeowners, and the program will require careful oversight to ensure that all homeowners harmed get a fair chance at benefits,” said Ed Mierzwinski, the consumer program director for U.S. PIRG, a nonprofit advocacy group.

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Wall Street Journal: Consumer Watchdog Readies to Bare Its Teeth

The Consumer Financial Protection Bureau is entering 2013 poised to flex its muscles more vigorously than ever before. [...] The CFPB is "going to be more confident and more aggressive," said Ed Mierzwinski, consumer program director for U.S. Public Interest Research Group, a consumer-advocacy organization.

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

As Fall Financial Aid is Disbursed, Senator Issues Urgent Warning to Students Using Campus Debit Cards

Senator Sherrod Brown (OH), Chairman of the Senate Banking Subcommittee on Financial Institution and Consumer Protection, issued an urgent warning to students receiving financial aid in the next two weeks that predatory bank fees can quickly cut into their college money.

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New York Times: Secret E-Scores Chart Consumers’ Buying Power

Ed Mierzwinski, consumer program director at the United States Public Interest Research Group in Washington, worries that federal laws haven’t kept pace with change in the digital age. “There’s a nontransparent, opaque scoring system that collects information about you to generate a score — and what your score is results in the offers you get on the Internet,” he says. “In most cases, you don’t know who is collecting the information, you don’t know what predictions they have made about you, or the potential for being denied choice or paying too much.”

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News Release | U.S. PIRG | Food

U.S. PIRG Applauds House Leadership for Dropping One-Year Farm Bill Extension that Included Billions in Wasteful Subsidies

In this current economic climate the reauthorization of the farm bill should be a straight forward opportunity to end wasteful subsidies.

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Blog Post | Consumer Protection

Wall Street Gets Rare House Floor Defeat | Ed Mierzwinski

UPDATED 12 Jan 2015 (adding opposition to Regulatory Accountability Act): House leaders miscalculated today when they attempted to pass a sweeping rollback of Wall Street reforms under a suspension of the rules procedure usually limited to bills naming Post Offices and praising Cub Scouts and Little League teams. Faced with strong opposition led by Rep. Keith Ellison (MN), the proposal failed to get the necessary 2/3rds vote in favor to pass, but unfortunately it is expected to be back.

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Blog Post | Consumer Protection

Black Friday, Cyber Monday and Data Breaches | Ed Mierzwinski

Tomorrow, Saturday, 11/29, I'll discuss data breaches and card security on C-Span Washington Journal at 8:40 AM Eastern. It's the biggest shopping weekend of the year, with Black Friday and Cyber Monday bracketing 2 more shopping days. If I shop, it'll be online, with credit, not debit, cards.

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Blog Post | Consumer Protection

On Veterans Day, How The CFPB Helps Veterans, and All of Us | Ed Mierzwinski

Columnist George Will recently (and not for the first time) urged Congress to “abolish the Consumer Financial Protection Bureau.” His reasons may seem to come from his conservative philosophy, but merely pander to the powerful Wall Street interests that left our economy in ruins just a few years ago. As a counterbalance, let’s discuss some recent speeches and statements by CFPB Director Richard Cordray on his vision for the bureau and some of its current work, including – on this Veteran’s Day – its efforts to protect military families from financial predators.

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Blog Post | Consumer Protection

Why Didn't Chase Tell Customers About Breach, Before It Told Investors? | Ed Mierzwinski

News stories indicate that while JPM Chase, the nation's biggest bank, informed investors of the breach of up to 83 million customer records, it didn't, and won't, affirmatively reach out to warn actual customers. That's how the big banks roll, but it isn't good for consumer confidence. We discuss data security on NPR's Diane Rehm Show today at 10am ET.

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Blog Post | Consumer Protection

We urge CFPB to add stories to complaint database | Ed Mierzwinski

While Congress gets the bulk of the news, a lot of the work in Washington is done by agencies writing rules or enforcing laws. The rulemaking process is a contentious battle, where powerful special interests mobilize thousands of lawyers and PR flacks to delay or kill efforts to protect consumer, worker and community health and safety or to make markets work. So, we fight back. Yesterday, we urged the CFPB to add consumer stories to its Public Consumer Complaint Database. We've also recently urged other agencies to take action, including asking the DOT to expand airline passenger rights and the FCC to protect a free and open Internet.

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