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

House Launches Frenzy of Attacks on CFPB, Public Protections | Ed Mierzwinski

Today and tomorrow the House floor showcases a variety of special-interest backed bills designed to eliminate public protections and weaken financial reform. Action starts soon with an attempt to override the President's veto of legislation to wipe away a new Department of Labor rule designed to protect hard-earned retirement savings from Wall Streeters seeking their "share" of your own share. Then, the House will consider the massive FSGG Appropriations bill, which rolls back the independence and authority of the CFPB and other financial reforms. Finally, they've teed up a bill to eliminate the Supreme Court's long-standing "Chevron doctrine," which says that courts must defer to expert agencies in certain circumstances. Without the doctrine in place, polluters and wrongdoers will have more opportunities to challenge public protections.

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

Joint Statement Opposing Exceptions to CFPB Payday Rule

We've joined 10 other leading consumer, community, religious and civil rights organizations to oppose exemptions to a strong CFPB payday and auto title lending rule and to reiterate our opposition to an exception that has already been considered and rejected that would allow lenders to make longer-term installment loans without considering a borrower’s ability to repay so long as the payment did not exceed five percent of a borrowers’ income.

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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.

> Keep Reading
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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Prepaid cards can be a good choice if you choose wisely

Prepaid debit cards are billed as a better way to manage your money, a smart alternative to checking accounts. [...but prepaid] debit cards are different from credit cards or even debit cards tied to a checking account. They may not provide the same level of protection again loss or fraud. Ed Mierzwinski, director of consumer programs at U.S. PIRG, doesn’t think most people understand the difference.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

CFPB Ends Kickbacks by Mortgage Insurers

U.S. PIRG applauds CFPB’s enforcement action, including over $15 million in total penalties, against four mortgage insurers to end the practice of giving kickbacks to mortgage companies to get their business.

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Why consumer agency must go, and why it should be saved

"If the Consumer Financial Protection Bureau disappeared tomorrow, would anyone notice? What is expected to be a contentious Senate Banking Committee confirmation hearing [today] for Rich Cordray, who has been temporarily leading the bureau, offers an opportunity to examine the need for a federal agency designed to protect consumers in their financial dealings." Bob Sullivan of NBC's Red Tape Chronicles interviews U.S. PIRG's Ed Mierzwinski and George Mason's Todd Zywicki.

 

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News Release | U.S. PIRG | Consumer Protection

During National Consumer Protection Week, Consumer Advocates Warn About Harms of Forced Arbitration

In celebration of National Consumer Protection Week, U.S. PIRG joins other consumer groups in calling for elimination of forced mandatory arbitration clauses. "More than ever, consumers are forced to surrender their rights every time they obtain a product or service, including credit cards, checking accounts, cell phone service and even jobs. To truly honor and recognize the importance of consumer protection laws, it is time for Congress and federal agencies to eliminate forced arbitration."

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The Consumer Financial Protection Bureau Under Attack

Listen to U.S. PIRG's Ed Mierzwinski debate Diane Katz of the Heritage Foundation on whether the landmark, PIRG-backed Consumer Financial Protection Bureau should be weakened as a condition of Senate confirmation of its director, Richard Cordray to a full term. The hour-long broadcast begins with an interview with Washington Post reporter Danielle Douglas.

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Blog Post | Consumer Protection

FTC to hotels: Nuisance add-on fees deceptive | Ed Mierzwinski

The FTC has warned 22 hotel chains that add-on fees, such as resort fees, may be deceptive. Meanwhile, air passenger groups are asking consumers to petition the White House to require that the Department of Transportation's FAA require full disclosure of airline fees.

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Blog Post | Consumer Protection

Industry lobbyists pre-launch 2013 assault on financial reform and other financial follies | Ed Mierzwinski

(UPDATED (AGAIN)) Industry lobbyists, under cover of a "bi-partisan" center, have pre-launched their 2013 assault on financial reform. Meanwhile, as the FTC dings fake debt collectors, the CFPB heads to Seattle to presumably announce its authority to supervise or examine "larger" debt collectors. Read more for news of these and other financial follies.

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Blog Post | Consumer Protection

FTC slams Equifax as Senate joins House inquiry into credit bureaus' data broker cousins | Ed Mierzwinski

This week the FTC ordered the massive credit bureau Equifax to disgorge $393,000 in profits and its customer, Direct Lending Source, to pay a $1.2 million civil penalty for selling lists of credit reports for illegal marketing purposes. Meanwhile, Senate Commerce Chairman Jay Rockefeller has announced his own investigation into the practice of unregulated data brokers, the close cousins of the credit bureaus that are already the subject of a bi-partisan House inquiry.

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Blog Post | Consumer Protection

State Attorneys General Oppose Payday Lender Protection Bill In Congress | Ed Mierzwinski

Last week a bi-partisan group of 41 state Attorneys General announced their joint opposition to misguided legislation to take both the CFPB and the states off the payday lender crime beat. Nevertheless, the payday lenders continue to invest in the political process.

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Blog Post | Consumer Protection

new consumer group, Consumers Count, to fight for arbitration reform | Ed Mierzwinski

Today, consumerscount.org launched as a website using "crowdsourcing" to help consumers band together to fight back when they have same complaint against the same company, but are limited by forced arbitration clauses and restrictions on class action rights from obtaining redress. At least until the CFPB bans forced arbitration, we need innovative ideas like consumerscount.

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