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

Blog Post | Consumer Protection, Financial Reform

What is the CFPB’s role in protecting consumers? | Gideon Weissman

The Consumer Financial Protection Bureau was created in the wake of the 2008 financial crisis with one mission: to protect consumers in the financial marketplace. But how exactly is it protecting consumers from mistreatment? We explain.

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Blog Post | Consumer Protection, Financial Reform

What did the CFPB do about Wells Fargo opening unauthorized accounts? | Gideon Weissman

The Consumer Financial Protection Bureau (CFPB) is the first federal agency devoted to protecting consumers in the financial marketplace. In 2016, the CFPB held Wells Fargo accountable for unfair treatment of its customers.

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Blog Post | Consumer Protection, Financial Reform

How the CFPB Helps Protect Older Americans | Elizabeth Ridlington

In the 1990s, my grandmother lost $60,000 to a financial scammer who took advantage of her age and vulnerability. A lucky, and perhaps illegal, phone call from her bank flagged the problem to the family. Today, thanks to the Consumer Financial Protection Bureau, I think it’s likely the problem would be noticed and stopped sooner.

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Blog Post | Consumer Protection

A Step Forward For Digital Privacy | Ed Mierzwinski

Cross-post of a blog from Illinois PIRG director Abe Scarr on yesterday's State Senate victory on Internet privacy. The measure heads to the state House.  Just a few short weeks ago, the U.S. FCC supported successful Congressional efforts to repeal its own broadband rules. Illinois is among numerous states now taking the lead to restore privacy rights, after the FTC, the FCC and the Congress have supported efforts by Big Tech, cable and telephone lobbyists  to take them away. Of course, those lobbyists are now besieging state capitols, but this time, consumer protection prevailed.

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Blog Post | Consumer Protection

U.S. PIRG Amends Court Filings Against FTC As 3 More Used Car Dealers Allowed to Sell Unfixed, Recalled Cars | Michael Landis

U.S. PIRG, along with Consumers for Auto Reliability and Safety (CARS) and the Center for Auto Safety, is challenging in court recent actions by the Federal Trade Commission that put the health and safety of millions of Americans at risk. This week, we amended our previous court filings because the FTC has now filed unacceptable decrees with six, not three, used car dealers.

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News Release | U.S. PIRG | Consumer Protection

Consumers Fight Attacks on CFPB by Big Wall Street Banks

Calling on Congress to protect American consumers from Wall Street's attacks on the Consumer Financial Protection Bureau, the U.S. Public Interest Research Group (U.S. PIRG) launched the “Campaign To Defend the CFPB” today. 

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

Statement on today’s final VW settlement involving about 475,000 2.0-liter diesel vehicles

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on today’s final VW settlement involving about 475,000 2.0-liter diesel vehicles.

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News Release | U.S. PIRG & the Breast Cancer Fund | Consumer Protection

Toxic Chemicals Found in Kids' Makeup Products - What Will You Shop for This Halloween?

New report shows you should be worried about more than just checking your children’s Halloween candy this year.

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News Release | U.S. PIRG | Consumer Protection

U.S. PIRG’s comment letter to the CFPB regarding its proposed rule about payday, car title, and high-cost installment loans

Today is the last day the CFPB is accepting public comments before the rule is finalized. We encourage comments in support of a strong rule here.

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Report | U.S. PIRG Education Fund | Consumer Protection

Online Behavorial Tracking and Targeting, Legislative Primer

Consumers are increasingly relying on the Internet and other digital services for a wide range of transactions and services, many of which involve their most sensitive affairs, including health, financial, and other personal matters. At the same time many companies are now engaging in behavioral advertising, which involves the surreptitious tracking and targeting of consumers.

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Report | OSPIRG | Consumer Protection

Consumer Tips for the Downturn

The tips and know-how included here are good advice in any economic climate, but they are especially important in this economy. Credit card debt, consumer credit scores, and identity theft are some of the most common problems facing consumers today.

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Report | U.S. PIRG | Public Health, Consumer Protection

Total Recall: The Need for CPSC Reform Now

This report explains why Congress needs to enact a strong final law that includes all of these key uncompleted reforms - a new toy standard that requires mandatory safety testing for toys, a ban on toxic phthalates, and whistleblower protections  - while rejecting industry’s eleventh-hour demands to add new and unprecedented limits on state authority to enforce and enact product safety laws.

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

The Campus Credit Card Trap 2008

This study is an in-person survey of a diverse sample of over 1500 students, primarily single undergraduates, at 40 large and small schools and universities in 14 states around the country conducted between October 2007 and February 2008. It analyzes how students pay for their education, how many use and how they use their credit cards and, finally, their attitudes toward credit card marketing on campus and whether or not they support principles to rein in credit card marketing on campus.

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Report | U.S. PIRG Education Fund | Consumer Protection

Mixed Signals

In an effort to determine America’s preparedness for the transition, the U.S. Public Interest Research Group (PIRG) Education Fund conducted a “secret shopper” survey at 132 locations of five leading national electronics retailers in ten states. The survey found that retail electronic store staff are largely uninformed and are not adequately preparing consumers for the impending transition to digital television.

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Blog Post | Consumer Protection

Defending the Consumer Bureau and Richard Cordray | Kathryn Lee

“Rich Cordray is the LeBron James of regulators, it makes no sense to fire him.” Our consumer program director, Ed Mierzwinski, is right. We need to maintain a strong and independent Consumer Financial Protection Bureau, free from political and outside-industry influence. And to do that, we need to ensure Richard Cordray remains the Bureau’s director until the end of his term.

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Blog Post | Consumer Protection

The internet should be free and open | Kathryn Lee

Net neutrality is the basic principle that all internet traffic should be treated equally. And this principle is being dismantled by the new Federal Communications Commission.

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Blog Post | Consumer Protection

Consumer protection suspended | Kathryn Lee

On Monday, President Trump promised to do “a big number” on the Wall Street reforms we helped pass in the aftermath of the Great Recession. On Friday, he started to follow through on his promise, delaying a commonsense consumer protection to require retirement advisers to act in their clients’ best interests.

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Blog Post | Consumer Protection

This week, CFPB Sues TCF Bank for overdraft schemes and loan servicer Navient for "failing" students | Ed Mierzwinski

Despite an escalation of threats to exterminate the Consumer FInancial Protection Bureau, CFPB continues to protect consumers well. This week it sued TCF Bank over deceptive overdraft marketing schemes and it sued Navient, the student loan servicer and Sallie Mae spinoff, for "failing" students at every step of the repayment process. The TCF complaint notes that its CEO brazenly named his boat "Overdraft."

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Blog Post | Consumer Protection

CFPB Report Finds 1 In 4 Consumers Feel "Threatened" By Debt Collector Tactics | Ed Mierzwinski

We joined Consumer Financial Protection Bureau Director Richard Cordray and Washington, DC Attorney General Karl Racine for release of new CFPB data on debt collector abuses. Fully 1 in 4 consumers feel "threatened" by abusive, possibly illegal, debt collector tactics. The release also included an emphasis on problems with the "debt buyer" industry, comprised of firms that buy older, uncollected debt for as little as less than a penny on the dollar.

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