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

Report | U.S. PIRG Education Fund | Consumer Protection

Why You Should Get Security Freezes Before Your Information is Stolen

Here are tips for preventing ID theft and using a security freeze:

How To Avoid Identity Theft

How To Use a Security Freeze

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Blog Post | Public Health, Food

Noodles and Co. Leads to Save Antibiotics | Anya Vanecek

This expansion into meatballs, bacon, beef, and all chicken sends a powerful message: Raising livestock and poultry without routine antibiotics is both smart and possible.

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

PIRGs, Others Ask CFPB & FTC To Investigate Experian/T-Mobile Data Breach

In a letter sent today, a number of state PIRGs and other leading privacy and consumer groups urged the CFPB and FTC to fully investigate the recent breach of an Experian subsidary that exposed 15 million T-Mobile customer and applicant records to the threat of new account identity theft. The letter asked whether the regulators could require Experian and the other two nationwide credit bureaus -- TransUnion and Equifax -- to give victims free security freezes to protect their credit reports.

> Keep Reading
Blog Post | Consumer Protection

As CFPB Advances Consumer Protection, Attacks on CFPB Escalate | Ed Mierzwinski

This week, the CFPB took a major step toward establishing a regulation restricting the use of forced arbitration clauses in consumer financial contracts, which give companies what the CFPB's director said was a "free pass from being held accountable by their customers." Meanwhile, on Capitol Hill, powerful bank interests escalated their campaign to defund and defang the bureau, because it works for consumers, not them.

> Keep Reading
Report | U.S. PIRG & Center for Digital Democracy | Consumer Protection

Comments to U.S. Treasury Department on Online Marketplace Lending

In response to a "Request for Information" from the U.S. Treasury Department, last week U.S. PIRG and the Center for Digital Democracy filed a detailed comment recommending that regulators take a close look at the activities of a new "Big Data" financial sector of online marketplace lenders, which includes so-called "peer-to-peer" lenders. While the sector has potential to be innovative and provide lower-cost loans to consumers, and to improve financial opportunity for underserved consumers, there are risks in "light-touch" regulation.

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Blog Post | Consumer Protection

What Will JP Morgan Chase Chief Jamie Dimon Testify To Today? | Ed Mierzwinski

(UPDATED) At 10am, the U.S. Senate Banking Committee will ask JP Morgan Chase chief Jamie Dimon questions perhaps including "What did you know and when did you know it?" and "Did your $3 billion in gambling losses violate the Volcker rule against betting you rown (and the depositors') money?" We will be there, tweeting from @edmpirg.

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Blog Post | Consumer Protection

Spokeo to pay $800,000 in FTC settlement: Sold social network data for employment uses | Ed Mierzwinski

(POST UPDATED): The data broker Spokeo has agreed to pay penalties of $800,000 over multiple violations of the Fair Credit Reporting and FTC Acts. It's important as the first FTC case over the "sale of Internet and social media data in the employment screening context."

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Blog Post | Consumer Protection

Could portable bank account numbers ease moving your money? | Ed Mierzwinski

PIRG "Big Banks, Bigger Fees" reports have documented the many so-called "switching costs" problems consumers face when trying to move their money to a new bank (or credit union). Account number portability, which has worked well for phone company switching, could be a part of the solution.

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Blog Post | Consumer Protection

Tell Jamie Dimon: "Leave the Fed" and Other Bank News | Ed Mierzwinski

JP Morgan Chase chief Jamie Dimon has been one of the leading opponents of strong bank regulations but still sits on the board of one of his bank's chief regulators-- the New York Fed --despite his bank's recent gambling losses. Help us tell Jamie: it's time to go. 

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Blog Post | Food

Crop Insurance: A Taxpayer Giveaway by Another Name | Nasima Hossain

Just like other agriculture subsidies, the federal crop insurance program directs billions of taxpayer dollars to the biggest agribusinesses, with the payouts biased towards commodity crops that are often processed into junk food ingredients.  The program directly subsidizes agribusinesses’ insurance premiums on coverage they would buy anyway, making it yet another way taxpayer dollars pad Big Ag’s profits

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