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

Video Blog | Consumer Protection

Last Week Tonight with John Oliver: The retirement industry is a minefield -- but here’s the answer

In this week’s episode of “Last Week Tonight,” host John Oliver called out three main problems hurting consumers when it comes to retirement: First, financial advisers aren’t currently required to work in their clients’ best interest. Second, high fees compound over time. Third, actively managed investment funds aren’t the answer. 

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Blog Post | Public Health, Food

Food recall season off to a big start | Anya Vanecek

Once again, the shift from spring to summer has carried with it a string of contamination-related food recalls. Twenty in the last month -- and that number is climbing.

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Blog Post | Public Health, Food

mcr-1 meets Mr. X | Matt Wellington

A new strain of resistant E. Coli bacteria was found on a Chinese pig farm last November, then in countries worldwide. Last week, the U.S. joined that list. Now, a hypothetical post-antibiotic era has become all-too real.

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News Release | U.S.PIRG | Consumer Protection

Strong National Payday Rule Could Save Consumers Billions

Today, the Consumer Financial Protection Bureau (CFPB) released its draft high cost small dollar lending (payday and auto title) loan rule for public comment. 

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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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News Release | U.S. PIRG | Budget, Food, Tax

Groups, Lawmakers Demand Cuts to Ag Subsidies, Deliver Petitions from 278,000 Citizens, 1,000 Small Farmers

Representatives Ron Kind (D-WI) and Tom Petri (R-WI) joined groups from across the political spectrum to deliver petitions and call on Congress to end subsidies to large agribusinesses, which are a part of the Farm Bill that is set to expire at the end of this month. 

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Bounced Checks Could Land You On A Banking Blacklist

"NEW YORK (CBSNewYork) — Bounced checks and forgotten overdraft fees can happen to anybody. But now, some banks are using those money mistakes against customers. [...] Consumer advocates said that some of the people being shut out have records that were dinged accidentally." (Video and print story available)

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News Release | U.S. PIRG | Consumer Protection

Five Safety Breakthroughs in Five Years

On August 14, 2008, the CPSIA was signed into law after a deliberative process and overwhelming bipartisan support in both the U.S. House and Senate. The law includes strong product safety reforms that revitalized the Consumer Product Safety Commission.

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An $18 Million Lesson in Handling Credit Report Errors

"Even after sending more than 13 letters to Equifax over the course of two years, Julie Miller could not get the big credit bureau to remove a host of errors that it inserted into her credit report. [...] So she tried suing. That worked. [...] “Big punitive penalties may help force the bureaus to upgrade their 20th-century algorithms and incompetent dispute reinvestigation processes,” said Ed Mierzwinski, consumer program director at the United States Public Interest Research Group. “But C.F.P.B.’s authority to supervise the big credit bureaus is one of the most significant powers Congress gave it.”

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News Release | U.S. PIRG | Food

Ag Subsidies Pay for 20 Twinkies per Taxpayer, But Only Half of an Apple Apiece

Federal subsidies for commodity crops are subsidizing junk food additives like high-fructose corn syrup at a rate that would buy 20 Twinkies for each taxpayer every year, according to U.S. PIRG's new report, "Apples to Twinkies 2013." Meanwhile, subsidies for fresh fruits and vegetables would buy just one half of an apple per taxpayer per year. These subsidies are part of the Farm Bill that expires in September.

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Blog Post | Consumer Protection

President Issues Privacy Platform | Ed Mierzwinski

Today the President announced support for a variety of privacy protections, most of which are laudable. However, it remains our view that Congressional consideration of a "uniform national breach notification standard" is unnecessary and, worse, will give powerful special interests an opportunity to use the proposal as a Trojan Horse to enact sweeping preemptive limits on state privacy protections.

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Blog Post | Consumer Protection

Wall Street Gets Rare House Floor Defeat | Ed Mierzwinski

UPDATED 12 Jan 2015 (adding opposition to Regulatory Accountability Act): House leaders miscalculated today when they attempted to pass a sweeping rollback of Wall Street reforms under a suspension of the rules procedure usually limited to bills naming Post Offices and praising Cub Scouts and Little League teams. Faced with strong opposition led by Rep. Keith Ellison (MN), the proposal failed to get the necessary 2/3rds vote in favor to pass, but unfortunately it is expected to be back.

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Blog Post | Consumer Protection

Black Friday, Cyber Monday and Data Breaches | Ed Mierzwinski

Tomorrow, Saturday, 11/29, I'll discuss data breaches and card security on C-Span Washington Journal at 8:40 AM Eastern. It's the biggest shopping weekend of the year, with Black Friday and Cyber Monday bracketing 2 more shopping days. If I shop, it'll be online, with credit, not debit, cards.

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Blog Post | Consumer Protection

On Veterans Day, How The CFPB Helps Veterans, and All of Us | Ed Mierzwinski

Columnist George Will recently (and not for the first time) urged Congress to “abolish the Consumer Financial Protection Bureau.” His reasons may seem to come from his conservative philosophy, but merely pander to the powerful Wall Street interests that left our economy in ruins just a few years ago. As a counterbalance, let’s discuss some recent speeches and statements by CFPB Director Richard Cordray on his vision for the bureau and some of its current work, including – on this Veteran’s Day – its efforts to protect military families from financial predators.

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Blog Post | Consumer Protection

Why Didn't Chase Tell Customers About Breach, Before It Told Investors? | Ed Mierzwinski

News stories indicate that while JPM Chase, the nation's biggest bank, informed investors of the breach of up to 83 million customer records, it didn't, and won't, affirmatively reach out to warn actual customers. That's how the big banks roll, but it isn't good for consumer confidence. We discuss data security on NPR's Diane Rehm Show today at 10am ET.

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