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Report | U.S. PIRG Ed Fund & Citizens for Tax Justice | Budget, Tax

Offshore Shell Games 2014

Tax loopholes encouraged more than 70 percent of Fortune 500 companies to maintain subsidiaries in offshore tax havens as of 2013, according to “Offshore Shell Games,” released today by the U.S. PIRG Education Fund and Citizens For Tax Justice. Collectively, the companies reported booking nearly $2 trillion offshore for tax purposes, with just 30 companies accounting for 62 percent of the total, or $1.2 trillion.

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Blog Post | Financial Reform

On Memorial Day, Thank Servicemembers and Veterans and Thank the CFPB for Protecting Them | Ed Mierzwinski

On this Memorial Day, celebrate servicemembers and veterans. It's important that the CFPB has their backs, since predatory lenders are after their wallets.  As I often say, the idea of the CFPB needs no defense, only more defenders.

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News Release | U.S. PIRG | Financial Reform

New Federal Bills Would Protect Students From High-Cost Campus Bank Accounts

Yesterday, House and Senate lawmakers introduced bills that would protect college students from being needlessly steered into campus bank accounts — accounts that often drive up students’ costs and deplete their financial aid. U.S. PIRG warned that if we the Department of Education can't protect students from high campus debit card fees, then we will "pursue this strong alternative approach put forth from the Hill.”

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Blog Post | Consumer Protection

Credit CARD Act Turns 5, A Big Success Story | Ed Mierzwinski

The Credit CARD Act of 2009,  has its 5th birthday today on May 22. It is a government success story that cleaned up a Wild West credit card marketplace by eliminating unfair tricks and traps without destroying the market. Let's celebrate by extending it to other card markets--debit and prepaid cards.

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News Release | U.S. PIRG | Consumer Protection

Credit CARD Act Saves Consumers $12.6 Billion Annually

Thursday, May 22 is the fifth anniversary of the successful Credit CARD Act, which has saved consumers billions of dollars in unfair credit card fees and interest that were collected based on tricks and traps. U.S. PIRG, and a broad coalition, urge policymakers to extend similar protections to debit and prepaid cards.

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

Report: Mistaken Identity Tops Debt Collection Complaints

WASHINGTON –Debt collectors trying to collect debt from the wrong person were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released today by the U.S. PIRG Education Fund. The report also found that debt collection, the newest category in the database, is already a top source of complaints to the CFPB, outpacing common consumer products such as credit cards and bank accounts.

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News Release | U.S. PIRG | Transportation

New Federal Highway Figures Reveal Ninth Consecutive Year of Americans Driving Less

 

New figures from the Federal Highway Administration (FHWA) show that the number of miles driven by Americans continues to stagnate, even amidst economic recovery.

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

New Factsheet Outlines How Corporations Get Tax Write-Offs for Consumer Harm

A new factsheet from the U.S. Public Interest Research Group documents how corporations that have been charged with harming consumers through mortgage violations, price-fixing, racial discrimination and other charges have typically been able to write off the cost of their misdeeds on their taxes.

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News Release | U.S. PIRG | Higher Ed

Put Students Before Fees

Statement of Christine Lindstrom, U.S. PIRG Higher Education Program Director, on today’s GAO report on campus debit cards.

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Media Hit | Financial Reform

Why you should keep your debit card at home

[...]debit cards do not share the same consumer protections as credit cards. This week’s series of data security hearings on Capitol Hill, an outgrowth of the recent rash of retail data breaches, highlighted the unequal treatment. Not all of the 40 million Target customers who had their debit and credit card numbers stolen during the holidays can rest easy about their liability for fraudulent charges, Ed Mierzwinski of the U.S. Public Interest Research Group pointed out to lawmakers.[...]

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Report | U.S. PIRG Education Fund | Consumer Protection, Higher Ed

The Campus Debit Card Trap

Banks and other financial firms are taking advantage of a variety of opportunities to form partnerships with colleges and universities to produce campus student ID cards and to offer student aid disbursements on debit or prepaid cards. In addition to on-campus services, such as student ID functions offered on the card, some cards offer traditional debit card services linked to bank accounts; other cards provide additional reloadable prepaid card functions. The disbursement of financial aid and university refunds is the most significant partnership identified.

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Report | U.S. PIRG | Higher Ed

The Cost of College Will Soar if Interest Rates Allowed to Double

The loans distributed by the U.S. Department of Education currently hold an interest rate of 3.4 percent. But that rate is set to double if Congress fails to act by July 1, 2012. If that occurs, millions of students will see their interest rates soar to 6.8 percent on the new loans they take in the next year thereby causing a steep rise in their loan burden and effectively increasing the cost of attaining a college degree.

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Report | U.S. PIRG | Tax

Rogues Gallery of Major Corporate Legal Settlements

The following list of recent major corporate settlements displays a harrowing array of harms to the public. After government agencies sought redress for corporate wrongdoing, they negotiated with the companies for payments that were presumably less than the agency would have ordered in damages or fines if it had chosen to go through with a protracted lawsuit.

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Report | U.S. PIRG | Tax

Picking Up the Tab

Some U.S.-based multinational firms or individuals avoid paying U.S. taxes by transferring their earnings to tax haven countries with minimal or no taxes. These tax haven users benefit from their access to America’s markets, workforce, infrastructure and security; but they pay little or nothing for it—violating the basic fairness of the tax system and forcing other taxpayers to pick up the tab.

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Report | U.S. PIRG Education Fund & Frontier Group | Transportation

Transportation and the New Generation

From World War II until just a few years ago, the number of miles driven annually on America’s roads steadily increased. Then, at the turn of the century, something changed: Americans began driving less. By 2011, the average American was driving 6 percent fewer miles per year than in 2004.

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Blog Post | Financial Reform

New book on the fight for the CFPB | Ed Mierzwinski

Two academics have published a book chronicling the PIRG-backed fight to establish the Consumer Financial Protection Bureau (CFPB) as a centerpiece of the Wall Street reforms enacted in 2010. Their history of the largely successful efforts of the coalition Americans for Financial Reform and its work alongside Professor Elizabeth Warren has lessons for all advocates seeking to fight city hall or evil empires.

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Blog Post | Democracy

Wisconsin Bill Would Double Campaign Contribution Limits, Increase Big Money in Politics

Wisconsin is the latest state to consider raising contribution limits in a trend that ignores the real problems of our current campaign finance system.

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Blog Post | Democracy

Supreme Court Strikes Down Arizona Law, Protects the Right to Vote

This week, the Supreme Court strengthened our democracy by striking down a burdensome Arizona law that required physical proof of citizenship for voter registration.

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Blog Post | Democracy

Illinois and Delaware 14th and 15th States to Support Constitutional Amendment to Get Big Money Out of Elections

With the votes, Illinois and Delaware joined a steadily growing list, including 13 other states and nearly 500 municipalities, calling for an amendment to overturn the Supreme Court’s decision to equate money as speech and corporations as people.

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Blog Post | Democracy

House Needs to Enhance, Not Eliminate, Programs That Make Elections Work for People

The House Administration Committee is considering legislation this week that would repeal the presidential public financing system and the financing system for conventions, and close the Election Assistance Commission. If passed, these bills would pose a significant threat to the integrity of our campaign finance and election systems.

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Priority Action

The overuse of antibiotics on factory farms is threatening the effectiveness of lifesaving antibiotics. Call on the Obama administration to put an end to the worst practices.

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