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Report | U.S. PIRG Education Fund and Center for Digital Democracy | Financial Reform

Big Data Means Big Opportunities and Big Challenges

This report examines the growing use of "Big Data" in financial decision-making, especially in a digital marketplace characterized more and more by the use of mobile phones. It explains the opportunities to use Big Data to promote financial opportunity and the threat of financial exclusion, discrimination or higher prices for some consumers if Big Data is not used properly. The report makes recommendations to advocates, industry and regulators.

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News Release | U.S. PIRG | Tax

Victory for Taxpayers and Consumers as Justice Dept. Denies Toyota $1.2 Billion Write-Off in Criminal Probe Settlement

Today, the Justice Department acted in the best interests of taxpayers and consumers, by denying Toyota a hidden $420 million tax benefit on its settlement for misleading consumers about dangerous car malfunctions.

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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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News Release | U.S. PIRG | Transportation

New California Data Shows Alternatives to Driving Taking Hold

California's state travel survey confirms that the driving boom is over.

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Media Hit | Financial Reform

National data-theft law still a hard sell

The data breach at Target Corp., which exposed millions of credit card numbers, has focused attention on the patchwork of state consumer notification laws and renewed a push for a single national standard. [...] ‘‘From industry’s perspective, whether you’re a bank or a merchant, you don’t want to have to notify consumers,’’ said Ed Mierzwinski, at the US Public Interest Research Group. ‘‘They want to preempt, or override, the best state laws.’’

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Feds solve problems for unhappy bank customers

Got a beef with your bank and you can't get it resolved?
Don't sit there steaming. Complain to the Consumer Financial Protection Bureau (CFPB), the federal government's new financial watchdog.

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News Release | U.S. PIRG | Consumer Protection

CFPB Gets Results: Orders Chase Bank to Repay Consumers Over $300 Million Over Sale of Junky Credit Card Add-On Products That Weren’t Even Delivered

Yesterday the CFPB fined Chase Bank $20 million and ordered it to refund over 2 million consumers a total of over $300 million over the sale of junky credit card and debit card add-ons that weren’t even delivered.

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

Senator Levin Introduces Bill to Crack Down on Tax Haven Abuse

Senator Carl Levin (D-MI), joined by cosponsors Sheldon Whitehouse (D-RI), Mark Begich (D-AK), and Jeanne Shaheen (D-NH), introduced the Stop Tax Haven Abuse Act, which would save $220 billion over the next ten years. U.S. PIRG draws attention to the abuse by shipping more than 700 postcards to a Bank of American P.O. box in the Cayman Islands, a well-known tax haven. 

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

JPMorgan Shouldn’t Receive Tax Windfall for London Whale Penalty

Unless regulators forbid JPMorgan Chase from writing off an $800 million settlement as a tax deduction, taxpayers could end up shouldering 35 percent of the cost of the settlement.

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News Release | US PIRG Education Fund | Consumer Protection

New Report Identifies Banks Consumers Complain About Most

WASHINGTON – Thousands of Americans are using the Consumer Financial Protection Bureau’s public Consumer Complaints Database to settle disputes with their banks, according to a new report from the US PIRG Education Fund. The report highlights banks that generated the most complaints through their various banking services in each state.

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Report | U.S. PIRG | Democracy

Breaking Free With Fair Elections

Fair Elections – systems with full public financing of elections – would help improve the openness, honesty, and accountability of government. They would also free public officials to respond to the interests of voters without worrying about hurting their ability to raise money from deep-pocketed donors. If we want to protect the environment, design a better health care system or improve our energy policy, we need a political system that encourages lawmakers to listen more to voters than to oil and gas companies, pharmaceutical giants and other industries.

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

Toxic Pollution And Health

Using the latest available TRI data, we examined releases of chemicals known or suspected to cause serious health problems and identified states and localities that are bearing the brunt of this pollution. Specifically, we looked at releases of substances recognized by the state of California to cause cancer, birth defects or reproductive problems; we also looked at releases of substances suspected by scientists to damage the neurological or respiratory systems.

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Report | U.S. PIRG | Democracy

Honest Enforcement

Some argue that last year’s scandals, which lead to the conviction of two congressmen and several top aides, are evidence that ethics enforcement in Congress works. The actual facts leading up to the convictions, however, are more an indictment of the current process than a testament to its success.

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Report | MASSPIRG | Higher Ed

Exposing the Textbook Industry

MASSPIRG conducted a survey of 287 professors from a variety of disciplines at Massachusetts colleges and universities over the fall semester of 2006 to get their views on textbook industry practices that drive up prices.

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Blog Post | Consumer Protection

On the Internet, Everyone Knows If You're A Big Dog, Or Just A Dog | Ed Mierzwinski

A Wall Street Journal story today has everyone talking about how Internet sites use profiles and cookies to offer different customers different offers, or the same product for different prices. On the Internet today, everybody knows whether you're a big dog, or just a dog.

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Blog Post | Consumer Protection

CFPB launches searchable credit card complaint database today | Ed Mierzwinski

Joining agencies that regulate cars, toys and other consumer products, medical devices and airline service, today the Consumer Financial Protection Bureau rolls out a searchable online complaint database. The CFPB's new tool, for credit cards to start,  comes in the nick of time to help consumers who the LA Times warns may be tricked into automatically signing up for an over-priced junky Citibank add-on monitoring service.

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Blog Post | Food

A Farm Bill Boondoggle | Nasima Hossain

The U.S. Senate is on the verge of doubling down on the principle that billions of taxpayer dollars should go to making the largest, most profitable agribusinesses even more profitable.  And despite knowing that many of these subsidies underwrite junk food ingredients like high fructose corn syrup, some Senators are proposing not only to maintain, but actually to expand this wasteful spending. How could this be happening?

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Blog Post | Democracy

Why Target is Still a Target

Two years ago, when Target’s CEO Gregg Steinhafel used corporate general treasury funds to support a group backing a candidate known for his outspoken anti-LGBT positions, it was more than a blemish on the reputation of a corporation that brands itself as progressive. That irresponsible contribution was a violation of both shareholder and public trust and, not surprisingly, it resulted in scandal and boycotts that threatened the assets of shareholders who never authorized the use of their money for political spending

Target learned first-hand what it should have already known: consumers and shareholders do not want corporations to muddy up our democracy by interfering with our elections, yet it has not yet adopted a policy against this spending. Today, at Target’s annual shareholder meeting in Chicago, shareholders will take a vote on a resolution to refrain from political spending to once again remind Target that corporate electioneering is bad for shareholders and is bad for democracy.

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Blog Post | Consumer Protection

What Will JP Morgan Chase Chief Jamie Dimon Testify To Today? | Ed Mierzwinski

(UPDATED) At 10am, the U.S. Senate Banking Committee will ask JP Morgan Chase chief Jamie Dimon questions perhaps including "What did you know and when did you know it?" and "Did your $3 billion in gambling losses violate the Volcker rule against betting you rown (and the depositors') money?" We will be there, tweeting from @edmpirg.

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Priority Action

The overuse of antibiotics on factory farms is threatening these lifesaving medicines. Call on big restaurants to do their part and stop buying meat raised with critical antibiotics.

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