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

U.S. PIRG Urges Appeals Court to Block President Trump's Illegal Appointment of Mick Mulvaney as Acting Director of the CFPB | Mike Landis

Last week, the U.S. Court of Appeals for the D.C. Circuit heard oral argument in English v. Trump, a case involving a challenge to President Trump’s appointment of Mick Mulvaney as the acting director of the Consumer Financial Protection Bureau (CFPB). U.S. PIRG, along with nine other consumer advocacy groups, has filed two amicus briefs in the case (one in the trial court and one in the appellate court) in support of the plaintiff, Leandra English, who is the CFPB’s deputy director and, we believe, the rightful acting director of the agency.

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News Release | U.S. PIRG | Consumer Protection

Congress Should Oppose Mick Mulvaney’s Troubling Track Record & Requests

Upon request by the House Financial Services Committee, we submitted a statement for the record for a committee hearing on the Consumer Financial Protection Bureau’s semi-annual report. This morning's hearing marks Mick Mulvaney’s first appearance before Congress as acting director of the CFPB.

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News Release | U.S. PIRG | Consumer Protection

U.S. PIRG Recommends a Privacy Bill of Rights

Here is our press release calling on Congress to introduce and pass a privacy bill of rights in response to the Facebook-Cambridge Analytica scandal. 

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News Release | U.S. PIRG | Consumer Protection

U.S. PIRG Statement on the FY18 Omnibus

The House just passed the FY18 spending bill which provides funding for many key programs in the public interest. While it’s not a perfect bill, and we remain concerned about its effect on the deficit, the bill is considerably better than it could have been, and we are pleased the House passed it and hope the Senate does the same. U.S. PIRG’s program directors responded with these statements:

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Blog Post | Public Health, Consumer Protection

PIRG Consumer Watchdog: Asbestos Found In Children's Products | Dev Gowda

The PIRG Consumer Watchdog team recently found that three different products sold by national retail brand Claire’s contain alarming amounts of asbestos. The Food and Drug Administration (FDA) considers it “unacceptable” for cosmetic talc to be contaminated with asbestos, and doctors say that there is no safe limit of asbestos.

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

Children’s Toys Victory: CPSC Bans Phthalates In Toys

Children’s toys will be safer after a vote today by the Consumer Product Safety Commission (CPSC) to ban five types of phthalate chemicals from children’s toys and other children’s products. Phthalates are commonly used as a softener for plastic children’s toys and child care articles, such as pacifiers and bottles.

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News Release | Consumer Protection

REPORT: MORTGAGE ABUSES LEADING SOURCE OF OLDER CONSUMER COMPLAINTS TO CFPB

Mortgages were the leading source of 72,000 complaints to the Consumer Financial Protection Bureau from consumers 62 years of age and over, followed by complaints about credit reports and debt collection, according to a new report. Further, legislation passed by the House and awaiting Senate action intended to cripple the Consumer Bureau would place older consumers at greater risk of harm from financial scammers.

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California’s new drug price law is a win for consumers nationwide

Today, California Governor Jerry Brown signed Senate Bill 17 into law, a groundbreaking measure to increase transparency and accountability for the prescription drug industry. We celebrate the new law—passed with support and hard work from CALPIRG—as a landmark victory for consumers, not just in California, but nationwide.

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News Release | Consumer Protection

STATEMENT ON THE CFPB’S FINAL RULE TO STOP PAYDAY LOAN DEBT TRAPS

The Consumer Financial Protection Bureau (Consumer Bureau) took the first step toward ending the debt trap by finalizing new consumer protections for loans where consumers must repay all or most of the debt at once. These products include shorter-term loans such as payday and auto title loans, and longer-term loans with balloon payments.

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News Release | Consumer Protection

Equifax’s Offer for Free “Lock” Raises Questions: Best Protection is Still Credit Freezes with all Three Credit Bureaus

Statement by Mike Litt at U.S. PIRG on Equifax’s announcement for a free lock on Equifax credit reports.

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Report | U.S. PIRG | Consumer Protection

Playing It Safe 2000

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

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Report | U.S. PIRG | Consumer Protection

ATM Fee Backlash

The ATM surcharge has more than doubled the cost to consumers for using foreign ATMs. The surcharge contributes dramatically to the profits of ATM owners, lessens the benefit to consumers of shared ATM networks and encourages the growth of bigger banks.

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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.

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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.

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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."

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Blog Post | Consumer Protection

Wall Street Ramps Up Attacks on Wall Street Reform | Ed Mierzwinski

On Friday, the House overwhelmingly approved a Wall Street-driven proposal to weaken oversight of private equity firms, taking a chunk out of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. But wait, there's so much more: On Tuesday the House Financial Services Committee takes up the so-called "Financial Choice Act," which eviscerates most of Dodd-Frank's key reforms, from stripping powers of the Financial Stability Oversight Council to repealing the Volcker Rule, which reins in risky betting practices that use depositors' money. As for the CFPB (which just this week issued its biggest fine to date, $100 million against Wells Fargo Bank for opening hundreds of thousands of fake and secret consumer accounts to meet sales goals), the proposal would defund and defang it and delay or stop its efforts to rein in unfair practices of payday lenders, debt collectors and banks. Many of the Financial Choice Act's provisions also pose threats as budget bill "riders."

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Blog Post | Consumer Protection

Good news! CFPB Adding Consumer Ratings of Company Responses to Complaint Database | Ed Mierzwinski

The CFPB is making a good public consumer complaint database better. In 2015, the CFPB added optional consumer narratives, or stories, to its public consumer complaint database, giving other consumers, researchers and even other firms a new way to help study complaint patterns. Now, it will give consumers a chance to “rate the company’s handling of his or her complaint on a one-to-five scale and provide a narrative description in support of the rating.”

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Blog Post | Public Health, Food

Doorbells and Antibiotics | Steve Blackledge

Earlier today, Wendy’s announced a commitment to serve chicken from farms that do not misuse antibiotics. Wendy’s says they will meet that pledge in 2017. Public Health Program Director Steve Blackledge offers a few thoughts on this progress.

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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Blog Post | Consumer Protection

Delayed CFPB/Other Wall Street Reform Rollbacks Happening Today On House Floor | Ed Mierzwinski

Last month the House canceled floor consideration of the Financial Services and General Government Appropriations bill. FSGG is back on the floor today and tomorrow. We urge support of amendments to protect the Consumer Financial Protection Bureau (CFPB) but, since they won't pass, we urge a no vote on the bill. Here's an updated excerpt from my previous blog.

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News Release | U.S. PIRG Education Fund

The FDA investigation reinforces that our food isn't nearly as safe as it should be. This time, more than 60 people got sick from salads, probably because a company failed to sanitize the water used to grow its romaine lettuce.

News Release | U.S. PIRG Education Fund

The amount of money Americans owe on their cars is now at an all-time high -- up 75 percent since the end of 2009. Americans’ rising indebtedness for cars raises concerns about the financial future of millions of households as lenders extend credit to more and more Americans without the ability to repay, according to a new U.S. PIRG report.

Report | U.S. PIRG Education Fund

In much of America, access to a car is all but required to hold a job or lead a full and vibrant life. Generations of car-centric transportation policies – including lavish spending on roads, sprawl-inducing land use policies, and meager support for other modes of transportation – have left millions of Americans fully dependent on cars for daily living.

Blog Post

Unsafe food recalls in the U.S. are trending the wrong way. From 2013 to 2017, they rose 10 percent overall, and a whopping 83 percent for the most hazardous meat and poultry recalls.

News Release | U.S. PIRG

Here is our statement about Wells Fargo’s system failures that started yesterday.

Consumer Protection

Congressional investigation concludes that Equifax breach was entirely preventable

The worst data breach in history could have been prevented with some basic security measures.

 

Consumer Protection

Watch out for unsafe toys

U.S. PIRG's “Trouble in Toyland” report found boron in slime, choking hazards without the proper warning labels, “connected” toys that pose a privacy risk and more.

 
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