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Blog Post | Financial Reform

While CFPB Takes Action To Aid Consumers, U.S. House Acts Against CFPB | Ed Mierzwinski

Yesterday, the CFPB sued ITT, a for-profit school, for a variety of alleged violations, including pressuring students into high-cost predatory loans with little promise of a future job. This morning, I join CFPB leaders for a panel on how it can help fix the credit reporting system. Yet, this afternoon, the House will probably vote to hobble the CFPB in several ways. Go figure.

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

Debt Collectors, Debt Complaints

This is the fifth in a series of reports that review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints about debt collection, with the aim of uncovering patterns in the problems consumers are experiencing with debt collectors and documenting the role of the CFPB in helping consumers successfully resolve their complaints.

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News Release | U.S. PIRG | Transportation

New Federal Highway Figures Reveal Ninth Consecutive Year of Americans Driving Less

 

New figures from the Federal Highway Administration (FHWA) show that the number of miles driven by Americans continues to stagnate, even amidst economic recovery.

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

New Factsheet Outlines How Corporations Get Tax Write-Offs for Consumer Harm

A new factsheet from the U.S. Public Interest Research Group documents how corporations that have been charged with harming consumers through mortgage violations, price-fixing, racial discrimination and other charges have typically been able to write off the cost of their misdeeds on their taxes.

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Blog Post | Public Health

Trade negotiations need more public input | Ed Mierzwinski

This week, the President has sent U.S. Trade Representative Michael Froman out to convince the public that trade deals are good for everyone, not only special interests. In my role as U.S. chair of the TransAtlantic Consumer Dialogue, I respond to his latest proposal for a "Public Interest Advisory Committee."

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News Release | U.S. PIRG | Higher Ed

Students Call for Senate to Reject Student Loan Deal

Congress should be doing everything they can to make college more accessible. Yet S. 1334, the Bipartisan Student Loan Certainty Act, would do the exact opposite, by making it harder and more expensive for America's future students to get the education they need.

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News Release | U.S. PIRG | Higher Ed

Student Loan Interest Rate Deal in Senate Will Make Things Worse

Senate lawmakers agreed last night to a deal on student loan reform that is to be voted on as early as Tuesday of next week. Student loans should invest in our future by making education affordable and accessible. Instead, the Senate is forcing students to pay more in order to reduce the deficit.

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News Release | U.S. PIRG | Public Health

Consumers Deserve Safe Compounded Drugs

As the House Energy and Commerce Subcommittee on Health conducts their hearing today on new rules for compounding pharmacies, we urge them to support strong protections for patients. When the rapidly evolving compounding pharmacy industry behaves as drug manufacturers, they should be regulated by the existing system for medicines manufactured by the pharmaceutical industry.

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News Release | U.S. PIRG | Financial Reform

Senate Moves Toward Confirmation of CFPB Director Cordray

Today’s expected confirmation of Richard Cordray to head the CFPB for a full term is good news for consumers, and for firms that want to play fair in the financial marketplace.

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News Release | U.S. PIRG | Food

Ag Subsidies Pay for 20 Twinkies per Taxpayer, But Only Half of an Apple Apiece

Federal subsidies for commodity crops are subsidizing junk food additives like high-fructose corn syrup at a rate that would buy 20 Twinkies for each taxpayer every year, according to U.S. PIRG's new report, "Apples to Twinkies 2013." Meanwhile, subsidies for fresh fruits and vegetables would buy just one half of an apple per taxpayer per year. These subsidies are part of the Farm Bill that expires in September.

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Report | OSPIRG Foundation | Consumer Protection

Preying On Portlanders

In August of 2005, our staff surveyed 21 licensed payday lending storefronts in the City of Portland. Because many of the payday lending storefronts are owned and operated by the same payday lender, the survey is representative of approximately ninety-five percent (95%) of the licensed active payday lending storefronts in the City of Portland. The survey aimed to determine the interest rate most commonly charged in the City of Portland, based on a $300 loan principal for a 14-day term.

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Report | U.S. PIRG Education Fund | Public Health, Consumer Protection

The Right Start

A child’s first few years are an exciting time for parents who hope, if for nothing else, that their child starts his or her life happy and healthy. Unfortunately, not all products marketed for children and babies are completely safe for their use. Many contain toxic chemicals that may have detrimental health impacts for children exposed during critical stages of development.

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Report | U.S. PIRG | Higher Ed

College Students Faced More than $31 Billion in Unmet Financial Need in 2003-2004

The report finds that public college students from a family with a household income of $62,240 or less face an average of $3,986 a year in unmet need. On average public college students from families with a household income of $34,288 or less fare even worse, facing an average of $4,990 a year in unmet need.

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

Looking Forward After Katrina

We have developed a quick snapshot of some of the environmental health problems in the wake of the hurricane, as well as recommendations for governmental officials to take into account as they move forward.

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

Needless Risk

Across the country, petroleum refineries, chemical plants and other industrial facilities use and store large amounts of hazardous chemicals that, if subject to an accident or attack, would release dangerous toxins.  Such releases could injure or kill thousands of people that live in communities in close proximity to these facilities. Petroleum refineries stand as a stark example of the unnecessary risk posed by such facilities in the event of an attack or accident as well as the opportunity to mitigate this risk by using safer alternatives to toxic chemicals.

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Blog Post | Consumer Protection

Overdraft bill to end $35 cup of coffee and other bank reform highlights | Ed Mierzwinski

Yesterday, U.S. PIRG joined U.S. Rep. Carolyn Maloney (NY) and other leading members in front of the U.S. Capitol to introduce the Overdraft Protection Act of 2012. Also this week, the Consumer Financial Protection Bureau described its proposal to simplify mortgage points and fees. Click read more to find about these and other important financial stories this week.

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Blog Post | Consumer Protection

You can pick your friends, and even your bank, but you're stuck with the reckless credit bureaus | Ed Mierzwinski

You can pick your friends and even your bank but you are stuck with the credit bureaus.  Over the last twenty years the power of the big credit bureaus to act as gatekeepers to consumer success in life has grown immensely. Credit reports and credit scores generated from them are used to decide whether consumers can get a job, get car insurance, qualify to open a bank account, rent an apartment, use a debit card and, of course, whether they can obtain and how much they will pay for credit. The Columbus (OH) Dispatch has an excellent four-part series explaining that the credit bureaus make mistakes, lots of them, and ruin peoples' lives. There is hope, however, since the new Consumer Financial Protection Bureau has new tools to rein in the bureaus.

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Blog Post | Consumer Protection

Consumer Reports magazine issues Facebook privacy tips | Ed Mierzwinski

The cover story of the June 2012 Consumer Reports is all about protecting your privacy on Facebook. Worth a read.

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Blog Post | Public Health

Solution to Antibiotic Use in Animals- H.R. 965, Preservation of Antibiotics for Medical Treatment Act of 2011 | Nasima Hossain

The research points to an increasing body of evidence that overuse of antibiotics in animals is the leading cause of drug resistance bacteria. Every year 18,000 people die from the antibiotic-resistant bug MRSA, and 80 percent of all antibiotics are used on animals, not humans.

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Blog Post | Financial Reform

New York Times is running a bank fees debate, seeks comments | Ed Mierzwinski

Over at the New York Times, you can join a debate on bank fees. Meanwhile, the CFPB has extended its comment period seeking your views on overdraft fees until June 29.

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