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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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Report | U.S. PIRG | Tax

Offshore Shell Games

This study reveals that tax haven use is ubiquitous among the largest 100 publicly traded companies as measured by revenue. 82 of the top 100 publicly traded U.S. companies operate subsidiaries in tax haven jurisdictions, as of 2012. All told, these 82 companies maintain 2,686 tax haven subsidiaries.

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Blog Post | Democracy

New Wisconsin Bill Would Let the People Decide On Citizens United

Two state legislators have introduced legislation that, when passed, will bring a question to the 2014 ballot on overturning Citizens United and eliminating big money in elections.

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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 | Budget, Tax

President Obama Poses Question: “Why Protect Special Interest Tax Breaks?”

Tonight, President Obama rightly called on Congress to close tax loopholes that allow wealthy special interests to shirk their tax burden at the expense of the public. The first loopholes to go should be those that allow corporations and wealthy individuals to use accounting gimmicks to stash their income in offshore tax havens.

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

New Legislation to Close Offshore Tax Loopholes Would Save Taxpayers $200 Billion

The CUT Loopholes Act would close a myriad of the most egregious offshore tax loopholes. This legislation is based on the premise that if a U.S. company earns profits here in the U.S., with the benefit of America’s educated workforce, infrastructure, and large consumer base, it should pay taxes in America, like small businesses and everyday taxpayers.

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News Release | U.S. PIRG and NCLC | Consumer Protection, Financial Reform

New FTC Study Points to Much-Needed Reforms for Credit Reporting Industry

Advocates from the National Consumer Law Center and U.S. PIRG lauded the findings of a Federal Trade Commission study made public today that confirms their own findings that credit reports are riddled with errors. The groups also urged the Senate to confirm a full-term director of the Consumer Financial Protection Bureau (CFPB) to eliminate any uncertainty over the CFPB’s supervisory authority to examine credit bureau operations and order reforms.

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

New Bill Will Stop Companies from Stashing Profits in Tax Havens, Raise $600 Billion in Tax Revenue

Ordinary taxpayers foot the bill for this corporate tax dodging in the form of cuts to public programs, more debt, or higher taxes. This legislation tackles the heart of the problem by ending incentives to shift profits offshore.

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

New Maine Spending Transparency Website Announced in Governor’s Speech

The state of Maine launches a new spending transparency website with many strong features and some significant shortcomings.

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Report | U.S. PIRG Education Fund | Democracy

The Wealth Primary

Our analysis of Federal Election Commission (FEC) campaign finance data for the 2006 primary elections shows that money played a key role in determining election outcomes and that most campaign contributions came from a small number of large donors.

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Report | CALPIRG Education Fund | Tax

Sunshine for California

Corporate tax avoidance leaves taxpaying households to pick up the tab for funding highways, schools, and other public structures. Much of the indirect costs of aggressive tax avoidance are also borne by investors who are unaware of these risky schemes. And everybody suffers when corporate profitability is determined by opportunities for tax evasion rather than efficiency or innovation.

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Report | CALPIRG Education Fund | Budget

Sunshine for California

Corporate tax avoidance leaves taxpaying households to pick up the tab for funding highways, schools, and other public structures. Much of the indirect costs of aggressive tax avoidance are also borne by investors who are unaware of these risky schemes. And everybody suffers when corporate profitability is determined by opportunities for tax evasion rather than efficiency or innovation.

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

Student Debt and Consumer Costs in the Minneapolis-St. Paul Area

Student loan debt is rising faster than the cost of living or health care costs. Between 1993 and 2004, the average debt for college graduates with loans increased by 107% to $19,200. At the same time, in the Minneapolis-St. Paul area, the cost of living increased by 35%, and health care costs (including insurance, drugs and medical care) increased by 58%.

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

Paying the Price 2006

During the spring of 2006, researchers from the state Public Interest Research Groups (PIRGs) posed as uninsured customers and surveyed by phone hundreds of pharmacies in 35 cities across the country to determine how much uninsured consumers are paying for 10 prescription drugs commonly used by adults under age 65. We then compared these prices with the prices the pharmaceutical companies charge the federal government; with prices at a Canadian pharmacy; and with the results of a similar survey we completed in 2004.

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Blog Post | Financial Reform

FTC releases major report recommending privacy reforms | Ed Mierzwinski

The U.S. Federal Trade Commission (FTC) today released a major report on consumer privacy. From FTC -- "In the report, “Protecting Consumer Privacy in an Era of Rapid Change: A Proposed Framework for Businesses and Policymakers,” the FTC also recommends that Congress consider enacting general privacy legislation, data security and breach notification legislation, and data broker legislation."

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Blog Post | Democracy

Making Super PACs Illegal

Polling shows that almost 7 out of 10 voters believe that super PACs, the independent expenditure only committees created in the wake of the Supreme Court’s disastrous Citizens United decision, should be illegal. Unfortunately, due to the Court’s backwards interpretation of the first amendment, we cannot legislate away super PACs today. However, there are some very important steps that every level of government – from your city council to the White House - should take right now to mitigate the impact of super PACs before the 2012 election.

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Blog Post | Public Health

Don’t Freeze our Public Health and Consumer Safety Protections | Nasima Hossain

Last year, in the 175 days that the U.S. House of Representatives was in session, it passed more than 190 anti-regulatory bills. They have been putting special interests over public safety and they are still at it. Next up is H.R. 4078, the “Regulatory Freeze for Jobs Act of 2012,” a bill that wrongly calls for a halt on all public health and consumer safety protections until the unemployment rate reaches six percent. The House Judiciary Committee is expected to mark up the bill on Tuesday, March 20.

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Blog Post | Financial Reform

Investor rights on chopping block in U.S. Senate (updated) | Ed Mierzwinski

(See updates (click Keep Reading): Today, the U.S. Senate will consider the House-passed "JOBS" Act, which weakens investor protections -- many passed after the Internet bubble burst and Enron's follow-on bankruptcy destroyed jobs and retirement savings. Its supporters claim the bill to make it easier for small companies to navigate SEC rules and  thereby promote small company growth (which theoretically creates, you guessed it, jobs), has already been thoroughly vetted. Yet, the bill is opposed by some of the Senate's most thoughtful investor champions and opposed by U.S. PIRG and numerous consumer and investor organizations. We support a substitute to be offered by Senators Jack Reed (RI), Mary Landrieu (LA) and Carl Levin (MI) because it protects investors. But if the substitute fails to get 60 votes, the JOBS Act will be non-amendable under an ill-advised special fast-track system set up to speed it through.

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Blog Post | Financial Reform

Senate Wants to Pass Dangerous Just Open Bucket Shops Act (so-called Jobs Act) | Ed Mierzwinski

You may not remember any pre-2008 scandals -- dot.com bubble?; Enron scandal? --  since they are so yesterday's news. Don't worry. The House and Senate don't remember, either. If the Senate has its way with quick passage of the misnamed already-House-passed Jobs Act, -- better named by the New York Times columnist Gail Collins as the "Just Open Bucket Shops Act" -- conflicted analysts will make stuff up again, government watchdogs like the SEC and PCAOB will be chained, and small and novice investors will be looking at "crowd-funded websites" from good guys and bad guys, too, including often-fraudulent Chinese IPOs. Things are so bad that the Senate's leading investor champions aren't even sure they can get enough votes to modify the proposal -- let alone block it -- even with a compromise alternative (letter from PIRG-backed AFR/CFA). Only in Washington.

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