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

How I started my estate and end-of-life planning | Mike Litt

Until recently, I did not have estate and end-of-life planning in mind, but it was the natural next step in my quest to be a responsible adult, with a nudge from the existential threat of the COVID-19 pandemic.

> Keep Reading
Blog Post | Consumer Protection

Resources I used to prepare my advance directive | Mike Litt

Advance directives are legal instructions that include a living will (different from a regular will) and a health care proxy. In them, you state what treatments you do or don’t want at the end of your life and who you want making health care decisions for you if you can’t. 

> Keep Reading
Blog Post | Consumer Protection

What I decided to do after shopping for long-term care insurance | Mike Litt

Before listening to In Case You Get Hit By a Bus, I didn’t know about insurance that covers the costs of long-term care, such as home health care or nursing home care, for people who need assistance with daily living activities. 

> Keep Reading
Blog Post | Consumer Protection

How I’m supercharging my savings with socially responsible investing (SRI) | Mike Litt

Getting my finances in order has been a work in progress over several years, starting with tackling credit card debt, paying off my car loan and then building an emergency fund. 

After clearing those hurdles, I set more defined financial goals and plans in motion this year, including automatic deposits into new investment accounts.

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

Statement: A true consumer’s champ clears hurdle to serve as CFPB director

Rohit Chopra will be the new director of the Consumer Financial Protection Bureau (CFPB). By a vote of 50-48 on Thursday, the Senate confirmed that the Federal Trade Commission (FTC) commissioner will take on the top position at the CFPB. 

Mike Litt, U.S. PIRG’s consumer campaign director, issued the following statement.

> Keep Reading

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News Release | U.S. PIRG | Consumer Protection

Statement: A true consumer’s champ clears hurdle to serve as CFPB director

Rohit Chopra will be the new director of the Consumer Financial Protection Bureau (CFPB). By a vote of 50-48 on Thursday, the Senate confirmed that the Federal Trade Commission (FTC) commissioner will take on the top position at the CFPB. 

Mike Litt, U.S. PIRG’s consumer campaign director, issued the following statement.

> Keep Reading
News Release | US PIRG | Consumer Tips, Consumer Protection

Back to school: financial literacy tips for college students, teens

During this time of year, families are thinking about the children going back to school, and for parents who are sending their kids to college, it can be a bit overwhelming. A key to addressing those concerns is making sure their teens are prepared for “adulting” -- in other words, taking care of their own lives.

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

Statement: U.S. PIRG applauds Senate introduction of the Veterans and Consumers Fair Credit Act

The Veterans and Consumers Fair Credit Act (VCFCA) was reintroduced in the Senate Committee on Banking, Housing, and Urban Affairs on Wednesday. This bill would limit interest rates on loans and go a long way toward protecting consumers, especially veterans, who are often victimized by predatory lenders.

> Keep Reading

PIRG, other consumer groups urge DOT Secretary Buttigieg to do more to protect consumers

Representatives of several leading U.S. consumer and traveler groups today met with U.S. Department of Transportation (DOT) Secretary Pete Buttigieg to urge action on the most pressing consumer protection priorities affecting consumers flying commercial airlines. It was the first time representatives of consumer groups were granted a meeting with a U.S. Secretary of Transportation in nearly five years.

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

Report: The Consumer Financial Protection Bureau turns 10

As the Consumer Financial Protection Bureau (CFPB) turns 10 years old, a new report from the U.S. PIRG Education Fund recaps how the agency has helped consumers over the past decade and the steps under way to refocus the CFPB on its mission after three years of retrograde decisions under the Trump Administration.

> Keep Reading

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30 years of toy safety

For the past thirty years, our sister organization U.S. PIRG Education Fund has taken a close look at the safety of toys sold in stores. Their reports have led to more than 150 regulatory actions. In November 2015, they released our 30th annual Trouble in Toyland report.

> Keep Reading

Protecting Consumers from Credit Company Abuses

Credit card companies seeking even higher profits have invented a slew of unfair practices. U.S. PIRG played a crucial role in passing the Credit Card Accountability, Responsibility and Disclosure (CARD) Act, which protects consumers and reins in the credit card companies' most abusive fees and practices.

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

The CFPB Turns 10

This report recaps the Consumer Financial Protection Bureau’s results for consumers over the past 10 years, the steps taken to return the CFPB back to its mission after three years of retrograde decisions under the Trump Administration, and our recommendations for CFPB action moving forward.

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

Consumers in peril

U.S. PIRG Education Fund report documents that complaints to the CFPB, led by complaints about credit bureaus, set new records in 2020.

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

Auto Loan Complaints Rise

Our latest report, with the Frontier Group, finds that: Financing the purchase of a car is a minefield for consumers at even the best of times. Tricks and traps in the auto marketplace can leave consumers paying more for a car than they should – or, worse, to being victimized by predatory and abusive practices by auto dealers and lenders. COVID-19 has left consumers even more vulnerable.

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

Consumer Complaints Break Records

On the 10th anniversary of the Consumer Financial Protection Bureau’s (CFPB) establishment as a centerpiece of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act (the law passed on 21 July 2010 and the Bureau opened its doors one year later), we look at the latest results from the CFPB’s public Consumer Complaint Database. This snapshot finds that, as the COVID-19 pandemic wreaks havoc on the financial situations of millions of Americans, consumer complaints to the CFPB have spiked to record levels.

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

Food Recall Failure

Our research found the majority of grocery stores fail to warn the public about hazardous food recalls. While they collect significant information about Americans shopping habits to sell us more food, they aren't doing enough to use that information to protect the public health.

> Keep Reading

Pages

Blog Post | Consumer Protection

How I started my estate and end-of-life planning | Mike Litt

Until recently, I did not have estate and end-of-life planning in mind, but it was the natural next step in my quest to be a responsible adult, with a nudge from the existential threat of the COVID-19 pandemic.

> Keep Reading
Blog Post | Consumer Protection

Resources I used to prepare my advance directive | Mike Litt

Advance directives are legal instructions that include a living will (different from a regular will) and a health care proxy. In them, you state what treatments you do or don’t want at the end of your life and who you want making health care decisions for you if you can’t. 

> Keep Reading
Blog Post | Consumer Protection

What I decided to do after shopping for long-term care insurance | Mike Litt

Before listening to In Case You Get Hit By a Bus, I didn’t know about insurance that covers the costs of long-term care, such as home health care or nursing home care, for people who need assistance with daily living activities. 

> Keep Reading
Blog Post | Consumer Protection

How I’m supercharging my savings with socially responsible investing (SRI) | Mike Litt

Getting my finances in order has been a work in progress over several years, starting with tackling credit card debt, paying off my car loan and then building an emergency fund. 

After clearing those hurdles, I set more defined financial goals and plans in motion this year, including automatic deposits into new investment accounts.

> Keep Reading
Blog Post | Consumer Protection

As the Consumer Financial Protection Bureau turns 10, the future is bright | Mike Litt

The Consumer Financial Protection Bureau celebrated its 10th birthday last Wednesday. It begins its second decade refocused on its mission of protecting you and me after a few years of, ironically, championing shady business practices over consumers. The agency’s first decade was full of success, setbacks, and promise.

> Keep Reading

Pages

Blog Post | Consumer Protection

In the wake of the Capital One data breach, Ed Mierzwinski and Adam Garber explain how to protect your credit

Were you affected by the Capital One breach, one of the largest thefts of data from any bank to date?

> Keep Reading
Blog Post | Antibiotics, Food

It's time for Wendy's to get antibiotics off the menu

 

The fast food chain Wendy's has a role to play in preventing a future in which antibiotics no longer work to protect our health.

> Keep Reading
Blog Post | Food, Solid Waste

What a waste: At least 30% of trash could be composted instead of buried or burned

Each year, America landfills and incinerates enough organic material to fill a line of 18-wheelers stretching from New York to Los Angeles 10 times over.

> Keep Reading
Blog Post | Consumer Protection

State PIRGs go to Washington for Consumer Lobby Day

Members of Congress hear repeatedly from lobbyists for corporate special interests in their offices and at fundraisers. How can consumer advocates balance the scales?

> Keep Reading
Blog Post | Consumer Protection

Congressional testimony underscores how predatory auto loans are driving Americans into debt

In most of the country, owning a car is all but required. And we're paying for it—to the tune of $1.2 trillion. This is putting the financial well-being of millions of Americans at risk, and U.S. PIRG and our national network are calling for change.

> Keep Reading

Pages

Blog Post

Until recently, I did not have estate and end-of-life planning in mind, but it was the natural next step in my quest to be a responsible adult, with a nudge from the existential threat of the COVID-19 pandemic.

Blog Post

Advance directives are legal instructions that include a living will (different from a regular will) and a health care proxy. In them, you state what treatments you do or don’t want at the end of your life and who you want making health care decisions for you if you can’t. 

Blog Post

Before listening to In Case You Get Hit By a Bus, I didn’t know about insurance that covers the costs of long-term care, such as home health care or nursing home care, for people who need assistance with daily living activities. 

Blog Post

Getting my finances in order has been a work in progress over several years, starting with tackling credit card debt, paying off my car loan and then building an emergency fund. 

After clearing those hurdles, I set more defined financial goals and plans in motion this year, including automatic deposits into new investment accounts.

News Release | U.S. PIRG

Rohit Chopra will be the new director of the Consumer Financial Protection Bureau (CFPB). By a vote of 50-48 on Thursday, the Senate confirmed that the Federal Trade Commission (FTC) commissioner will take on the top position at the CFPB. 

Mike Litt, U.S. PIRG’s consumer campaign director, issued the following statement.

Consumer Protection

The FCC is starting to fight back against robocalls

Research found that, despite the FCC's recent action, phone companies aren't doing enough to block spoofed calls and scam calls, despite a new law.

 

Consumer Protection

PIRG's consumer watchdogs get to work in wake of T-Mobile data breach

Cell phone carrier T-Mobile has announced that nearly 55 million Americans were affected by a hack of its records, which in some cases compromised Social Security numbers and driver’s license numbers. In response, PIRG published a tip guide for how those affected can protect themselves against identity theft or "phishing" scams.

 

Consumer Protection

Senate reintroduces the Veterans and Consumers Fair Credit Act

High-cost loans are marketed as easy paths to earning extra cash — but in reality, they’re long-term debt traps that often carry triple-digit interest rates. The Veterans and Consumers Fair Credit Act would cap interest rates on loans at 36 percent and help protect consumers, especially veterans, who are targeted by predatory lenders.

 

Consumer Protection

Is that really the IRS? Robocall protections take aim at spoofed numbers

Thanks to new FCC rules, most phone providers are now required to arm their customers with Caller ID verification to confirm whether calls on their network are actually coming from the number on display. 

 
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