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Blog Post | Consumer Protection

The CFPB at Three: A Child Prodigy | Ed Mierzwinski

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

The CFPB at Three: A Child Prodigy | Ed Mierzwinski

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

FTC Sues Alleged Corporate Wrongdoers Amazon & T-Mobile | Ed Mierzwinski

In the last few days, the U.S. Federal Trade Commission (FTC) has filed lawsuits against the wireless company T-Mobile over cramming of "hundreds of millions of dollars" in junk charges on phone bills and the web seller Amazon over "millions of dollars in unauthorized in-app charges incurred by children." What's interesting is not that the companies are alleged to have broken the law, it's that they've refused to settle and forced the FTC into court.

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News Release | U.S. PIRG | Tax

Justice Department Protects Taxpayers in BNP Settlement

Statement on the Justice Department's barring BNP Paribas from writing off its nearly $9 billion settlement as a tax deduction, saving taxpayers potentially more than $3 billion.

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Blog Post | Consumer Protection

Consumer Groups Urge FTC Action On "Unfixed Recalled" CarMax Cars | Ed Mierzwinski

We've joined leading consumer groups to urge the Federal Trade Commission to take action against the massive car retailer CarMax for deceptive practices. The petition argues that CarMax aggressively advertises that all cars get a "rigorous 125-point" inspection but "fails to ensure that safety recalls are performed prior to selling used cars to consumers."

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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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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 | WISPIRG Foundation | Transportation

New Survey: Wisconsin Brain Drain Partly Because Youth Seek Alternatives to Driving?

The WISPIRG Foundation report examines whether Millennials might be leaving Wisconsin partly because the state continues to prioritize extravagant highway expansion projects while neglecting other means of travel that are so important to young people.

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News Release | U.S. PIRG | Tax

Taxpayers Win, as Justice Department Blocks Credit Suisse Tax Write Off

The Justice Department saved taxpayers $233 million by preventing Credit Suisse bank from writing off its settlement for tax evasion. U.S. PIRG applauds the move and calls on agencies to make this standard practic. Agencies should also be more transparent about the deals they sign with corporations to resolve charges of wrongdoing.

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

House Tax Writers Vote to Make Offshore Loopholes Permanent

House tax writers voted to renew and making permanent two expired offshore tax loopholes, forcing average taxpayers and small business owners to pick up the tab for tax dodging by many multinationals for years to come. For all of the talk in Washington about getting our fiscal house in order, the Committee did not consider how to pay for these expensive tax breaks.

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Report | U.S. PIRG | Tax

Closing the Billion Dollar Loophole

New report tells how some states have found a simple reform to reclaim significant revenue lost to offshore tax havens. Includes estimates of how much each state loses in state revenue to offshore tax haven abuse and how much each state would gain by closing the "water's edge" loophole.

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Report | U.S. PIRG Education Fund and the Student PIRGs | Higher Ed

Fixing the Broken Textbook Market

This study demonstrates that despite recent steps forward in the marketplace, high textbook costs will continue to be a problem for students unless the cost of high-priced, new editions of college textbooks comes down.

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Report | U.S. PIRG | Budget

Fact Sheet: End Tax Write-Offs for Wrongdoing

Fact sheet explains the issue and gives examples.

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Report | U.S. PIRG Education Fund | Health Care

Should I Stay or Should I Go?

Tips for consumers deciding whether to keep their individual health insurance plan or switch to a new plan.

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Report | U.S. PIRG | Budget

Toward Common Ground: Bridging the Political Divide with Deficit Reduction Recommendations for Congress

To break through the ideological divide that has dominated Washington in recent years and offer a pathway to address the nation’s fiscal problems, National Taxpayers Union and U.S. PIRG joined together to identify mutually acceptable deficit reduction measures. This report documents our recommendations.

What follows is a general summary of recommendations that fall into four categories:

- $151.6 billion in savings from ending wasteful subsidies;

- $197.2 billion from addressing outdated or ineffective military programs;

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Blog Post | Financial Reform

CFPB complaints help recover $90 million for servicemembers | Ed Mierzwinski

Yesterday, the U.S. Departments of Justice and Education and the FDIC slammed student loan company Sallie Mae and a spinoff, ordering over $6 million in penalties and $90 million in compensation to servicemembers and veterans. Complaints to the CFPB's public database helped build the case. As the CFPB's director said in an important speech last week: "Each consumer’s voice counts and the chorus of many voices can change practices at these large financial companies."

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Blog Post | Democracy

The End of Net Neutrality As We Know It? | Ed Mierzwinski

On Thursday, 5/15 the FCC meets to propose new rules "to protect and promote the open Internet," after a court threw out parts of its current rules. The problem, however, is that some of the FCC Chairman's preliminary comments suggest he's for killing the core feature of the open Internet, Net Neutrality, in order to save it.

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Blog Post | Transportation

Airlines Pushing Bill To Hide True Cost of Airfare | Ed Mierzwinski

After losing its court case to overturn new pro-consumer, pro-competition airfare price disclosure rules, the airline lobby has flown into Congress. Just before the spring recess, a House committee approved a so-called Transparent Airfares Act without benefit of a public hearing. It's a bad idea.

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Blog Post | Tax

CFPB Gets Results for Consumers...And Taxpayers, Too | Ed Mierzwinski

The CFPB's latest enforcement action against Bank of America resulted in $727 million of consumer refunds for unfair credit card practices. But taxpayers also benefited, since CFPB told BofA it could not take a tax writeoff on the $25 million civil penalty fine it also was required to pay.

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Blog Post | Financial Reform

We Join FTC Event on Big Data E-Scores | Ed Mierzwinski

Companies on the Internet are tracking you with vastly powerful Big Data algorithms to determine what to sell you and for how much and what financial opportunities to offer you. Today at 10am, I join an FTC workshop on Alternative Scoring Products to debate the transparency and fairness of the system with privacy and technology experts from industry, academia and the public interest. You can attend or watch online.

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The overuse of antibiotics on factory farms is threatening the effectiveness of lifesaving antibiotics. Call on the Food and Drug Administration to put an end to the worst practices.

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