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

Report | U.S. PIRG & Center for Digital Democracy | Consumer Protection

Comments to U.S. Treasury Department on Online Marketplace Lending

In response to a "Request for Information" from the U.S. Treasury Department, last week U.S. PIRG and the Center for Digital Democracy filed a detailed comment recommending that regulators take a close look at the activities of a new "Big Data" financial sector of online marketplace lenders, which includes so-called "peer-to-peer" lenders. While the sector has potential to be innovative and provide lower-cost loans to consumers, and to improve financial opportunity for underserved consumers, there are risks in "light-touch" regulation.

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News Release | U.S. PIRG | Consumer Protection

Statement on Experian Breach of T-Mobile Customer Data

In the wake of a massive data breach affecting Experian’s computers holding 15 million files of T-Mobile hacked customers and applicants, we question why the firms are offering credit monitoring instead of paying to place credit, or security, freezes on all three of each victim’s credit reports. Only the security or credit freeze, available in any state, stops new account identity theft. Potential victims should freeze all of their “Big 3” credit reports from Experian, Equifax and TransUnion.

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

U.S. PIRG Echoes CFPB Call for Improved Student Loan Servicing

Earlier today, The CFPB released a report reviewing the state of student loan servicing, identifying the industry’s pervasive failures.

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Chip Cards Will Require Users to Dip Rather Than Swipe

You're probably wondering why most of your credit and debit cards have been replaced early, with a shiny metallic "chip" on the left front. That's because, as of October 1, banks and card networks will hold merchants more accountable for fraud losses if they don't have card readers where you can "dip" instead of "swipe." Rachel Abrams of the NY Times has an excellent explainer on how the new tech will greatly reduce in-person retail card fraud because the chip scrambles your account number for one-time use by the merchant. The story also explains how the tech could have been better with a PIN along with a chip, and how it won't help stop online fraud at all. But it is a step.

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How Volkswagen Could Compensate Diesel Owners

We explain the core demand of our "Make VW Pay Campaign" in this story by New York Times columnist Ron Lieber:

He asks: "Why not just ask for whatever the cars were worth on the day before news of the scandal broke"

Our reply: "Ed Mierzwinski, consumer program director at U.S. PIRG, says that the drivers deserve more."

> Keep Reading

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News Release | U.S. PIRG | Consumer Protection

U.S. PIRG’s Christine Lindstrom Testifies before U.S. Senate Banking Committee on Campus Debit Cards

U.S. PIRG Higher Education Program Director Chris Lindstrom testified before the Senate Banking Committee today on campus banking issues, private student loans and other issues concerning financial products on campus.

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News Release | U.S. PIRG | Consumer Protection

SHAREHOLDER RESOLUTION ASKS SAFEWAY TO LABEL ITS FOOD FOR GMOs

At its annual meeting this Friday, shareholders and advocacy groups will urge Safeway to label store brand products containing genetically modified organisms (GMOs). Green Century Capital Management filed a shareholder proposal with Safeway, citing unprecedented public demand for GMO labeling as a reason for Safeway to voluntarily provide this information. 

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

Credit CARD Act Saves Consumers $12.6 Billion Annually

Thursday, May 22 is the fifth anniversary of the successful Credit CARD Act, which has saved consumers billions of dollars in unfair credit card fees and interest that were collected based on tricks and traps. U.S. PIRG, and a broad coalition, urge policymakers to extend similar protections to debit and prepaid cards.

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

Report: Spirit Is Most Complained-About Airline

WASHINGTON – Spirit Airlines passengers are most likely to complain about their experience, according to a report released today by the U.S. PIRG Education Fund. Among major airlines, Spirit generates the most complaints for its size and generates an increasing number of complaints each year. Other most-complained about firms include Frontier Airlines, United Airlines, and American Airlines.

> Keep Reading
News Release | U.S. PIRG Education Fund | Food

Consumer Groups Launch National Push for Supermarkets to Label GMOs

Consumers and health advocates launched a national campaign calling on local and regional supermarket chains to label their store-brand products for ingredients derived from genetically modified organisms (GMOs), on the one year anniversary of Whole Foods’ announcement that it will adopt labeling for all products in its stores.

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Report | U.S. PIRG | Consumer Protection

Trouble In Toyland 2002

The 2002 Trouble in Toyland report is the 17th annual Public Interest Research Group (PIRG) toy safety survey. PIRG uses its survey to educate parents and the general public about toy hazards. This report focuses on three main hazards associated with toys: choking, phthalates, and noise. We also conducted our second extensive survey of toys sold on the Internet.

> Keep Reading
Report | U.S. PIRG | Consumer Protection

Who's Watching The Watchdogs?

Conflicts of interest and lack of independent funding have doomed both the national and state level accounting oversight systems in the United States. The current Enron-Arthur Andersen debacle is illustrative of larger problems in the accounting oversight system. This report examines potential conflicts of interest in the 51 (50 states and the District of Columbia) state agencies with regulatory authority over accountants, known as the state boards of accountancy. It finds complicity between the boards’ lapdog bite and their overwhelming dominance by accounting insiders.

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

Playing It Safe 2002

The sixth nationwide investigation of public playgrounds by Consumer Federation of America (CFA) and the State Public Interest Research Groups (PIRGs) found that a majority of American playgrounds pose hidden threats to our nation’s youngsters.

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

Deflate Your Rate

An estimated 55-60 percent of Americans carry credit card balances. One recent study found that nearly half of those with balances made just the minimum payment in February 2002.

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Report | U.S. PIRG | Consumer Protection

Industry Associations Oppose Senate Legislation to Prevent "Another Enron"

The Senate should resist industry pressure and take immediate action to protect investors, employees and pensioners from future Enron-like collapses. At a time when we are wondering how Enron could keep so many analysts and accountants in the dark about their balance sheets, we need to re-shine the bright light of public scrutiny on these murky and complex energy derivative transactions.

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Blog Post | Public Health, Consumer Protection

Heavy Metals Don't Belong In Easter Eggs | Anya Vanecek

Toxic heavy metals don't belong in our chocolates, but a recent study finds that they could be there, anyway.

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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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