Consumer Protection

Report | U.S. PIRG | Consumer Protection

Show Me The Money

This report updates a 1998 CFA survey on the consumer costs of payday lending and includes a survey of 230 payday lenders found in 20 states. It finds that payday lenders continue to make short term consumer loans of $100-400 at legal interest rates of 390-871% in states where payday lending is allowed. More disturbingly, the report finds that payday lenders are exploiting new partnerships with national banks to make payday loans in states, such as Virginia, where the loans are otherwise prohibited by usury ceilings or other regulations.

Report | U.S. PIRG | Consumer Protection

Big Banks, Bigger Fees 1999

Over 12 million American families can't afford bank accounts. The rest of us are paying too much, especially if we bank at big banks. Meanwhile, in 1998 banks recorded nearly $62 billion in profits, an eighth straight record year. According to the Federal Deposit Insurance Corporation (FDIC), deposit account and ATM surcharge fee income are important parts of those increased profits. This 1999 national survey, prepared by the state PIRGs with assistance from state and local member groups of the Consumer Federation of America (CFA), updates our 1993, 1995 and 1997 national surveys. The disturbing trend of more, and higher, fees is continuing.

Report | U.S. PIRG | Consumer Protection

ATM: Always Taking Money

This PIRG national survey, done in March 1999, compares surcharging practices at 336 banks and 31 credit unions to the results of PIRG's spring 1998 report, "Big Banks, Bigger ATM Fees."

Report | U.S. PIRG | Consumer Protection

Mistakes Do Happen 1998

This is the PIRGs' sixth study on credit report accuracy and privacy issues since 1991. This report is our first investigation of credit report accuracy since 1996 Congressional changes to the federal Fair Credit Reporting Act (FCRA), designed to improve the accuracy and ease of access to reports, took effect in September 1997. The findings of Mistakes Can Happen are troubling. An alarming number of credit reports contain serious errors that could cause the denial of credit, a loan, or even a job. Further, some consumers never even received their reports, even after repeated calls. 

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