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News Release | U.S. PIRG Education Fund | Financial Reform

Big Banks Make Billions on Overdraft Fees

An analysis of new government data by U.S. PIRG Education Fund found that big banks made $8.4 Billion in overdraft fee income in the first three quarters of 2016, up nearly 4% from the same period in 2015. Since the beginning of 2015, all banks greater than $1 Billion in assets have been required to report fee data quarterly and are included in the study.

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Report | U.S. PIRG Education Fund and Frontier Group | Financial Reform

Big Banks, Big Overdraft Fees

Overdraft fees are a major source of consumer pain, since they are borne disproportionately by Americans with few financial resources. Through the first three quarters of 2016, 626 large banks reported collecting $8.4 billion in revenue from overdraft and NSF fees, an increase of 3.6 percent over the same period in 2015. American consumers should look to the Consumer Financial Protection Bureau (CFPB), which has already enforced overdraft regulations and returned millions of dollars to consumers, to take new action to prevent unfair overdraft fees.

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News Release | U.S. PIRG | Financial Reform

Overdrafts continue to hit students hard on campus

Today, the Consumer Financial Protection Bureau (CFPB) released a report shining a spotlight on contracts between banks and colleges to promote debit cards on campus.  Students continue to get hit hard with overdraft fees attached to their campus bank accounts. According to the report, nearly one in ten consumers in the population with student accounts incurred 10 or more  overdrafts per year, paying, on average, $196 in overdraft fees alone. Below is a detailed analysis by US. PIRG's Chris Lindstrom, who championed the protections that the CFPB is reporting on. This report is one more example of why we need a strong CFPB. 

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Blog Post | Public Health, Consumer Protection

EPA Proposes First Federal Toxic Chemical Ban in Decades to Close out 2016 | Anna Low-Beer

Earlier this year, the Environmental Protection Agency was granted increased authority to regulate chemicals on the market. Under an updated federal toxics law, the EPA must review 10 chemicals currently on the market for safety, and they’ve already gotten started. This week, after naming the first 10 chemicals it will review, the EPA proposed the first federal toxic chemical ban in 27 years. That’s a big deal.

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Blog Post | Public Health

EPA Caves to the Agrichemical Industry Ahead of Glyphosate Hearings | Anna Low-Beer

Days before the Environmental Protection Agency was set to hold Scientific Advisory Panel meetings to review the carcinogenic potential of glyphosate – the primary ingredient in Monsanto’s Roundup – the meetings were postponed. Why?

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News Release | U.S. PIRG & Public Citizen | Democracy

Fort Myer Construction and Associates Gave More Than $130,000 to D.C. Council in Past Five Years

Top executives and their families at Fort Myer Construction – the D.C.-based construction company involved in a contracting controversy with Mayor Muriel Bowser’s office – have donated at least $130,000 to 18 candidates since 2011. They used contributions from 11 sources, according to research by the U.S. Public Interest Research Group (U.S. PIRG) and Public Citizen. The case highlights the need for public financing of elections.

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News Release | U.S. PIRG | Democracy

California legislature opens door to citizen-funded elections

 

On Wednesday, the California State Senate passed SB 1107, a bill to lift California’s ban on small donor empowerment programs, following passage in the State Assembly. Small donor empowerment programs provide limited public matching funds for small contributions to qualifying lawmakers. SB 1107 received bipartisan support from two-thirds of state legislators in the Senate and Assembly and now heads to California Governor Jerry Brown for consideration.

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

Report: Analysis of Payday Complaints Reveals Need for Stronger Federal Protections

Consumer complaints about payday loans to the Consumer Financial Protection Bureau (CFPB) show a critical need for strengthening the agency’s proposed rule to rein in payday loans and other high-cost lending, according to a report released today by the U.S. PIRG Education Fund.

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News Release | U.S. PIRG Education Fund. | Transportation

New National Safety Council Data Show 18 Percent Increase in Motor-Vehicle Fatalities Nationwide Compared to 2014

New data released this week from the National Safety Council (NSC), a nonprofit, nongovernmental public service organization chartered by Congress to promote health and safety in the United States, found a troubling increase in the number of motor-vehicle fatalities during the first half of 2016. 

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Report | U.S. PIRG | Higher Ed

Student Loan Debt in Maine

Without a new plan from Congress, on July 1 the interest rate on subsidized Stafford student loans will double, from 3.4 percent to 6.8 percent. In Maine, 33,883 federal student loan borrowers will be impacted if the rate doubles.

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Report | U.S. PIRG | Public Health, Health Care

Prescription for Danger

Compounding pharmacies are increasingly behaving like pharmaceutical companies by producing drugs in bulk, despite the fact that they are not inspected or regulated like the pharmaceutical industry. Due to this lack of oversight, many compounding pharmacies have not adhered to safe manufacturing practices, and shown little regard for consumer safety. According to an analysis of warning letters sent to other compounding pharmacies by the FDA from 2002 to 2012, there is a long history of violations that have in many cases led to unnecessary illness, injury, and even death.

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Report | U.S. PIRG Education Fund | Transportation

A New Direction

The Driving Boom—a six decade-long period of steady increases in per-capita driving in the United States—is over. The time has come for America to hit the “reset” button on transportation policy—replacing the policy infrastructure of the Driving Boom years with a more efficient, flexible and nimble system that is better able to meet the transportation  needs of the 21st century. 

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Report | U.S. PIRG | Higher Ed

Issue Brief: Don't Double Our Rates

Congress should be helping to keep college affordable, not making it more expensive for student loan borrowers to pay for college.

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Report | U.S. PIRG | Budget, Tax

Picking Up the Tab 2013

Tax haven abuse costs the United States approximately $150 billion in tax revenues every year. Even when tax haven abusers act perfectly legally, they force other Americans to shoulder their tax burden. The average U.S. tax filer would need to pay $1,026 in additional taxes to make up for lost revenue from tax havens. To pick up the tab for the taxes avoided by multinational corporations, the average small business in the United States would need to pay an average of $3,067 each in additional taxes.

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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 | Democracy

Losing the Voting Rights Act: A Timeline | Sarah Friedman

A historic piece of legislation, the Voting Rights Act has protected fair access to the polls since 1965. But recent changes have gutted critical protections offered by the VRA. Here's what you need to know.

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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 | Tax

It’s Time for the U.S. to Lead on Public Registries for Anonymous Shell Companies | Jeremy Flood

The UK and Australia have already agreed to disclose the true owners of anonymous shell companies. It's time for the United States to get serious about incorporation transparency. 

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Blog Post | Democracy

The Senate just introduced major election reforms, but will they be enough? | Olivia Lutwak

The money in politics legislation introduced today in the Senate is a major step in the right direction -- but will it be enough to put everyday Americans in control of our elections?

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