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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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Blog Post | Consumer Protection

CFPB getting results for consumers this week | Ed Mierzwinski

Last week, a senior bank industry lawyer said he was "amazed" at the amount of work the CFPB had accomplished "in such a short amount of time." This week, the CFPB stepped up its game another notch, when it returned $34 million to consumers who'd been deceived by a medical debt credit card pitched by their doctors and dentists and their receptionists and also took a big step toward ending forced arbitration in consumer contracts. Had any victims of the medical credit card wanted to go to court because they'd been ripped off, they couldn't, since the small print on that card, like the small print on most others, would send them instead to arbitration, no better than a kangaroo court.

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

Murray-Ryan Budget Deal Cuts Some Waste, but Misses Chance to Close Corporate Tax Loopholes

With our nation facing tough budget choices, U.S. PIRG applauds Senator Murray and Congressman Ryan for naming a few names when it comes to wasteful programs and special interest giveaways. This is the first step to ending the arbitrary sequester approach to budgeting, which throws the baby out with the bathwater...Unfortunately, the budget plan fails to close a single corporate tax loophole. This is a huge missed opportunity...There’s much more room for lawmakers to find common ground by ending wasteful programs while preserving those that serve the public interest, and closing the loopholes that only benefit special interests.

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News Release | U.S. PIRG | Consumer Protection

Advocates Decry Harm Done to Consumers by Forced Arbitration

On date of CFPB field hearing in Dallas to release report on forced arbitration clauses in consumer contracts, U.S. PIRG, Americans for Financial Reform, National Consumer Law Center, National Association of Consumer Advocates and Public Citizen issue joint release. From the release: “Unfair arbitration clauses encourage unfair corporate practices and sloppy customer service,” said Ed Mierzwinski of U.S. PIRG. “If your customers cannot take you to court, why should you care about their complaints? We urge the CFPB to act quickly to ban forced arbitration clauses in financial products and services contracts.”

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News Release | U.S. PIRG | Consumer Protection

Five Safety Breakthroughs in Five Years

On August 14, 2008, the CPSIA was signed into law after a deliberative process and overwhelming bipartisan support in both the U.S. House and Senate. The law includes strong product safety reforms that revitalized the Consumer Product Safety Commission.

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An $18 Million Lesson in Handling Credit Report Errors

"Even after sending more than 13 letters to Equifax over the course of two years, Julie Miller could not get the big credit bureau to remove a host of errors that it inserted into her credit report. [...] So she tried suing. That worked. [...] “Big punitive penalties may help force the bureaus to upgrade their 20th-century algorithms and incompetent dispute reinvestigation processes,” said Ed Mierzwinski, consumer program director at the United States Public Interest Research Group. “But C.F.P.B.’s authority to supervise the big credit bureaus is one of the most significant powers Congress gave it.”

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News Release | U.S. PIRG | Tax

New Study: 82 of Top 100 Companies Used Tax Havens in 2012

With Congress considering big cuts to public programs, U.S. PIRG released fresh evidence that the vast majority of large companies are dodging taxes by stashing money in offshore tax havens. In a study of the top 100 publicly traded companies, as measured by revenue, the study reveals that 82 maintain subsidiaries in offshore tax havens. Collectively, the companies report holding nearly $1.2 trillion offshore.

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News Release | U.S. PIRG | Higher Ed

Student Loan Deal Passes Senate 81-18, Will Put Students Deeper in Debt

Despite the threat that higher student debt poses to student borrowers, the Senate has twice beaten back attempts to extend the low 3.4 percent interest rate for student loans. Instead, the Senate negotiated a compromise, which passed today, 81-18.

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News Release | U.S. PIRG | Health Care

U.S. PIRG Testifies on “Pay for Delay” Before Senate Subcommittee

Today, Mike Russo, U.S. PIRG's Federal Program Director, testified at a hearing on “Pay-for-Delay Deals: Limiting Competition and Costing Consumers” held by the Senate Judiciary Committee, Subcommittee on Antitrust, Competition and Consumer Rights.

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Report | U.S. PIRG Education Fund | Higher Ed

Obama's Budget: Supporting Students, Not Banks

To help struggling students and families, President Obama has proposed a significant increase to the Pell grant for 2010-2011. The boost will be paid for by cutting excessive student lender subsidies out of the student loan programs and reinvesting that money instead in student aid. A report by the U.S. PIRG Higher Education Project estimates the impact of transferring $5 billion in student lender bank subsidies to Pell Grant recipients in each state.

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Report | CALPIRG Education Fund | Transportation

Connecting California

Public transportation makes a vital contribution to California’s transportation system, providing an alternative to drivers tired of fighting congestion, reducing our dependence on oil, and curbing pollution. However, in many communities around thestate, transit systems are inadequate and cannot keep pace with demand.

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Report | Arizona PIRG Education Fund | Transportation

Why and How to Fund Public Transportation

This document provides an overview of why transit should receive government funds and how those revenues should be raised. It also briefly discusses some ways to ensure that transit spending can best fulfill its policy goals.

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Report | CALPIRG Education Fund | Transportation

Spending the Stimulus

As families all over America struggle to make ends meet, officials are under pressure to make the best use of the federal stimulus money soon to pour into state capitals. The American Recovery and Reinvestment Act (ARRA) is a critical opportunity for state and local officials to help those families by building a stronger economy now and jump-starting the completion of a 21st century transportation system.

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Report | Illinois PIRG Education Fund | Health Care

Ensuring Accountability

As our economy weakens nationwide, Illinoisans are having a harder time accessing and affording health insurance. Illinois needs to change the way it regulates the health insurance industry to make sure residents have access to predictable and affordable coverage. An analysis conducted by the Illinois Public Interest Research Group indicates that increasing cost-containment and accountability measures for health insurance companies does not mean that the premium costs paid by consumers will increase.

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Blog Post | Consumer Protection

CFPB Fines Capital One For Deceptively Marketing Junky Payment Protection, Credit Monitoring to Cardholders | Ed Mierzwinski

(UPDATED): The CFPB, which turns one on Saturday, is coming of age with the announcement of its first enforcement action, against Capital One Bank, for deceptive marketing of junky payment protection and credit monitoring products to cardholders. Capital One will pay over $200 million in direct restitution and civil penalties.

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Blog Post | Public Health

Why Are We Still Waiting for Food Safety Rules? | Nasima Hossain

Recently we have all seen or heard about the food scares that have transpired from eating egg salad, spinach and cantaloupe. In fact, the cantaloupe foodborne illness outbreak was one of the worst the U.S. has seen in over 25 years. This Listeria outbreak linked to Colorado grown cantaloupes led to over 29 deaths, with over 139 people infected across 28 states.

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Blog Post | Consumer Protection

CFPB Issues Rule Regulating Big Credit Bureaus | Ed Mierzwinski

Today, as expected, the CFPB announced its first "larger participants" rule, giving itself the authority to supervise, or look inside the mysterious "black box" operations, of the biggest credit bureaus. This is a really big deal for consumers who've suffered through the mistakes made by these gatekeepers to financial and employment opportunity.

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Blog Post | Consumer Protection

Visa/Mastercard settlement may allow surcharges, but some stores say unfair practices not ended | Ed Mierzwinski

A reported $5 billion settlement over anti-competitive practices by Visa and Mastercard that raise prices for all consumers at the store and at the pump will allow merchants to surcharge credit card transactions in some circumstances. But the convenience stores oppose the settlement as too weak to protect them.

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Blog Post | Consumer Protection

CFPB May Announce It Has "Guns, Lots of Guns" To Regulate Credit Bureaus | Ed Mierzwinski

The CFPB travels to Detroit Monday, July 16th, for a field hearing on credit reporting. It seems like a fine opportunity to announce a final anticipated rule giving it full authority -"guns, lots of guns" - to look inside the black box operations of Trans Union, Equifax and Experian-- the Big Three self-anointed and little-scrutinized gatekeepers to financial and employment opportunity despite their long record of mistakes and failure to give consumers a chance to fix them.

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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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