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

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

Popular toys contain toxics and other hazards

This holiday season, watch out for dangerous and toxic toys. U.S. PIRG’s 33rd annual Trouble in Toyland report found toxic amounts of boron, which can cause nausea, vomiting and other health issues, in slime products as well as fining that Amazon failed to appropriately label choking hazards.

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

Our veterans need protection at home -- from predatory lenders and financial fraud

While many Americans honor our active and retired military on Veterans Day, federal officials are threatening to weaken financial protections for servicemembers, veterans and their families.

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Blog Post | Consumer Protection

Update to How You Can Change Your Experian Credit Freeze PIN | Mike Litt

Our consumer campaign director provides an update to how you can change your Experian credit freeze PIN after a security flaw was discovered two weeks ago.

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Survey finds 45 of 50 companies void warranties for independent repair

Boston, MA -- Six months after the FTC warned six companies their “void warranty if removed” labels are forbidden under warranty laws, a survey by the consumer group U.S. PIRG Education Fund found that the vast majority of appliance manufacturers continue to oppose independent repair. Of the 50 appliance manufacturers surveyed, 45 automatically void the warranties if the device had “unauthorized” repair.

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

Warranties in the Void

Six months after the FTC warned six companies their “void warranty if removed” labels are forbiddenunder warranty laws, a survey by the consumer group U.S.

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News Release | U.S. PIRG | Public Health, Consumer Protection

Is E. Coli contaminated Cargill/Excel beef in your fridge?

Last Thursday, Cargill Meat Solutions recalled more than 25,000 pounds of ground beef products shipped to Colorado and California because of possible contamination with potentially deadly E. coli. Cargill is likely unfamiliar to shoppers as the beef it produces is labeled using other brands, in this case “Excel fresh meat”.

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News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

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News Release | U.S. PIRG | Consumer Protection

Full Senate Should Only Confirm Qualified Nominee for CFPB

Our statement on the Senate Banking Committee’s approval of the nomination of Kathy Kraninger for Director of the Consumer Financial Protection Bureau.

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News Release | U.S. PIRG | Consumer Protection

10th Anniversary of Consumer Product Safety Improvement Act: Safer Products, Better Tools for Informed Purchasing, Increased Safety, More to do

Today marked the tenth anniversary of the passage of the Consumer Product Safety Improvement Act (CPSIA) and lauded the consumer safety benefits that resulted from this landmark law.

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News Release | U.S. PIRG | Consumer Protection

One year after discovering your data was hacked, Equifax still hasn’t paid a price

A year after Equifax discovered signs of a data breach that exposed 147 million Americans to potential identity theft, the company has yet to be held accountable.

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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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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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Blog Post | Consumer Protection

Consumer Financial Protection Bureau: By the numbers | Kathryn Lee

The Consumer Financial Protection Bureau released a breakdown of their successes they’ve had in the short five-year period they’ve been established. We're very proud to have been a part of building it and defending it; we're also very proud of the many achievements the youthful CFPB has made to make the financial marketplace fairer for consumers.

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Blog Post | Consumer Protection

Will Wells Fargo CEO Tell Senate "No Clawbacks" of Exec's Golden Parachute? | Ed Mierzwinski

Wells Fargo CEO John Stumpf goes before the Senate Banking Committee Tuesday (9/20) to explain the recent $185 million in combined civil penalties by the CFPB and other regulators over a sales goals incentive scandal that led to employees opening some 2 million fake, secret accounts without the knowledge of customers. How will he respond to the growing public clamor for a clawback of bonuses paid his top retail executive Carrie Tolstedt, whose retirement with a $125 million golden parachute package had been announced earlier this summer? 

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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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News Release | U.S. PIRG Education Fund

Toys sent an estimated 226,000 kids went to the emergency room in 2018. A PIRG Consumer Watchdog report identifies some of the dangerous toys for sale and how to keep kids safe.

News Release | U.S. PIRG

A coalition of environmental groups filed a lawsuit today to challenge a U.S. Department of Energy rule rolling back light bulb efficiency standards.

News Release | U.S. PIRG Education Fund

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

News Release | U.S. PIRG

The U.S. Supreme Court has agreed to decide whether the Constitution allows the president to fire the director of the Consumer Financial Protection Bureau (CFPB) only for cause.

Consumer Protection | U.S. PIRG

Consumer Alert: Heartburn medication recalled due to carcinogen concerns

If you frequently use Zantac (ranitidine) or a generic version to treat heartburn, you should check if it's a Dr. Reddy’s, Perrigo or Sanofi product and immediately consult your doctor, says PIRG Consumer Watchdog Adam Garber.

 

Consumer Protection | U.S. PIRG

Unsafe used cars for sale

Our new report revealed that AutoNation, which bills itself as “America’s Largest Auto Retailer,” is selling recalled, used vehicles that contain dangerous safety defects. We're calling on AutoNation's Executive Chairman to stop selling cars with unrepaired recalls.

 

Food | U.S. PIRG

We've endorsed the Campus Hunger Reduction Act of 2019

No student should go hungry in our world of abundance. Our Zero Hunger campaign is recruiting campus administrators to make public commitments to achieving zero hunger by cutting waste.

 

Consumer Protection | U.S. PIRG

Campus debit cards cost students over $24 million in fees

Report shows how campus debit cards — along with how they are marketed — are putting students' financial well-being at risk across the country.

 
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