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News Release | U.S. PIRG | Consumer Protection, Higher Ed

U.S. PIRG Echoes CFPB Call for Improved Student Loan Servicing

Earlier today, The CFPB released a report reviewing the state of student loan servicing, identifying the industry’s pervasive failures.

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Chip Cards Will Require Users to Dip Rather Than Swipe

You're probably wondering why most of your credit and debit cards have been replaced early, with a shiny metallic "chip" on the left front. That's because, as of October 1, banks and card networks will hold merchants more accountable for fraud losses if they don't have card readers where you can "dip" instead of "swipe." Rachel Abrams of the NY Times has an excellent explainer on how the new tech will greatly reduce in-person retail card fraud because the chip scrambles your account number for one-time use by the merchant. The story also explains how the tech could have been better with a PIN along with a chip, and how it won't help stop online fraud at all. But it is a step.

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Report | U.S. PIRG and Citizens for Tax Justice | Tax

Offshore Shell Games 2015

U.S.-based multinational corporations are allowed to play by a different set of rules than small and domestic businesses or individuals when it comes to the tax code. Rather than paying their full share, many multinational corporations use accounting tricks to pretend for tax purposes that a substantial portion of their profits are generated in offshore tax havens, countries with minimal or no taxes where a company’s presence may be as little as a mailbox. Multinational corporations’ use of tax havens allows them to avoid an estimated $90 billion in federal income taxes each year.

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How Volkswagen Could Compensate Diesel Owners

We explain the core demand of our "Make VW Pay Campaign" in this story by New York Times columnist Ron Lieber:

He asks: "Why not just ask for whatever the cars were worth on the day before news of the scandal broke"

Our reply: "Ed Mierzwinski, consumer program director at U.S. PIRG, says that the drivers deserve more."

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Blog Post | Public Health

10 Reasons to Worry About Antibiotic Resistance | Anya Vanecek

10 reasons to worry -- and what you can do to help fight -- the rise of antibiotic-resistant infections.

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News Release | U.S. PIRG | Tax

Statement from U.S. PIRG about agency attempts to toughen up bank settlements

Statement regarding indications some federal agencies may reopen old banking settlements, as reported in yesterday’s New York Times. The SEC is similarly reportedly delaying the final execution of August’s announced $16.65 billion settlement with Bank of America while deliberating about issuing waivers that would soften regulatory repercussions of the deal.

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Media Hit | Tax

Too Big to Tax: Settlements Are Tax Write-Offs for Banks

“When people hear that this stuff is deductible, it just feels like adding insult to injury,” says Phineas Baxandall, a senior policy analyst and tax specialist at U.S. PIRG, a left-leaning consumer protection research group that has written reports on the tax deductions. “And when it’s not transparent, it’s shady.”

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News Release | U.S. PIRG | Public Health

New Poll Reveals Overwhelming Majority of Doctors Concerned About Antibiotics Use on Healthy Food Animals

The overwhelming majority of doctors -- a total of 93 percent -- are concerned about the common meat industry practice of using antibiotics on healthy animals for growth promotion and disease prevention, according to a new poll released today commissioned by Consumer Reports and released by Consumers Union and U.S. PIRG.

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

Big Money Playing an Outsized Role in Primary Elections

In congressional primaries, bigger wallets give a small set of mega-donors an outsized voice, according to new information released today by the U.S. PIRG Education Fund and Demos. Just 5,485 donors who gave $1,000 or more to candidates in the primaries outspent the at least 440,362 small donors who gave less than $200, and 65 percent of all candidate contributions came from donors giving chunks of $1,000 or more.

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News Release | U.S. PIRG | Consumer Protection

Today’s announcement of steps to improve credit and debit card security:

U.S. PIRG commends the President for using the government’s buying power to accelerate improvements in credit and debit security that are critically needed by American consumers and businesses.

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Report | U.S. PIRG Education Fund | Consumer Protection

Mixed Signals

In an effort to determine America’s preparedness for the transition, the U.S. Public Interest Research Group (PIRG) Education Fund conducted a “secret shopper” survey at 132 locations of five leading national electronics retailers in ten states. The survey found that retail electronic store staff are largely uninformed and are not adequately preparing consumers for the impending transition to digital television.

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Report | U.S. PIRG Education Fund | Consumer Protection

Trouble In Toyland 2007

The 2007 Trouble in Toyland report is the 22nd annual Public Interest Research Group (PIRG) survey of toy safety. This report provides safety guidelines for parents when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards. We visited numerous toy stores and other retailers to find potentially dangerous toys and identify trends in toy safety.

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Report | MASSPIRG Education Fund | Transportation

Derailed By Debt

The Massachusetts Bay Transportation Authority (MBTA) faces an uncertain financial future over the next five years. With debt service payments increasing, along with other costs, the MBTA will face sizable budget gaps forcing the Authority to choose among unhealthy options to close these structural deficits. These options primarily include: further dramatic fare increases, service reductions, or more borrowing.

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Report | U.S. PIRG Education Fund | Budget

Forgiving Fraud And Failure

Companies with immediate past histories of shoddy work and fraudulent practices are being rewarded with billions of dollars in federal contracts. The data suggest that the process by which the federal government currently spends $422 billion per year in taxpayer funds is insufficient to ensure that the American people receive good quality for goods and services purchased for the American people.

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Report | U.S. PIRG | Budget

Forgiving Fraud And Failure

Companies with immediate past histories of shoddy work and fraudulent practices are being rewarded with billions of dollars in federal contracts. The data suggest that the process by which the federal government currently spends $422 billion per year in taxpayer funds is insufficient to ensure that the American people receive good quality for goods and services purchased for the American people.

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Blog Post | Financial Reform

Target says "Oops, 70-110 million consumers hacked." | Ed Mierzwinski

Target is now saying that "a range of 70 million to 110 million people," not the original 40 million customers, had their credit or debit card numbers hacked in December. Even worse, Target is admitting that the database stolen included email addresses and phone numbers, which leaves consumers vulnerable to phishing attacks that could lead to identity theft, as if fraud on existing accounts wasn't enough. Here are some tips.

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Blog Post | Consumer Protection

new CFPB mortgage rules and tools available | Ed Mierzwinski

CFPB Director Rich Cordray appears on The Daily Show tonight Wednesday to talk about CFPB's new mortgage lending and servicing rules that take effect Friday, 10 January. Read on to find out more about the rules and also about the many self-help tools the CFPB has created to help homebuyers and homeowners protect themselves.

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Blog Post | Consumer Protection

Retailers appeal swipe fee settlement with Visa/Mastercard | Ed Mierzwinski

Yesterday, big retailers filed an appeal of last month's announced final settlement order in an antitrust case involving price-fixing by Visa and Mastercard. PIRG backs the merchants because non-negotiable swipe fees force all consumers, including cash customers, to pay more at the store and more at the pump.

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Blog Post | Financial Reform

CFPB Gets Results for Consumers In December | Ed Mierzwinski

It's been a good month for consumers and a bad month for corporate crime, as the CFPB continued to hold financial firms accountable for unfair marketplace practices. Let's hope that in the New Year, banks and other financial companies get the message that cheating their customers is a bad business model.

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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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Priority Action

We're teaming up with big restaurant chains to stop the overuse of antibiotics on factory farms. Call on KFC to stop selling meat raised on routine antibiotics.

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