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

Should I Stay or Should I Go?

Tips for consumers deciding whether to keep their individual health insurance plan or switch to a new plan.

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News Release | U.S. PIRG | Higher Ed

Representatives Bass and Courtney Speak on Legislative Solutions to Student Debt Crisis

U.S. Representatives Joe Courtney (CT) and Karen Bass (CA) were joined today by student advocacy groups to highlight legislative solutions to rein in student loan debt. One year ago today, the United States' total amount of student debt crossed the $1 trillion mark.

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News Release | U.S. PIRG | Democracy

U.S. PIRG and 38 others Call for Support of the Shareholder Protection Act

If the Supreme Court is going to say that corporations are people, a proposition with which we completely disagree, then let's at least allow the real people who invest in the corporations to decide whether or not they can spend money on elections.

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News Release | U.S. PIRG | Public Health

Texas Fertilizer Plant Tragedy Reminder of Need for Better Chemical Safety Rules

Wednesday night’s tragedy at the West Fertilizer plant is a catastrophic reminder of the threat posed by hazardous chemicals used in thousands of facilities across the nation, and the need for us to take every step to prevent the recurrence of such tragedies.

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News Release | U.S. PIRG | Public Health

Consumers Need Stronger Public Health Protections to Ensure Compounded Drugs Are Safe

Our drug approval system for medicines manufactured by the pharmaceutical industry and regulated through the Food Drug and Cosmetic Act is the one of the strongest and safest in the world. However, for the last 20 years the rapidly evolving compounding pharmacies industry has been successful in thwarting regulations at every opportunity.

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Prepaid cards can be a good choice if you choose wisely

Prepaid debit cards are billed as a better way to manage your money, a smart alternative to checking accounts. [...but prepaid] debit cards are different from credit cards or even debit cards tied to a checking account. They may not provide the same level of protection again loss or fraud. Ed Mierzwinski, director of consumer programs at U.S. PIRG, doesn’t think most people understand the difference.

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

Body of Evidence

New evidence indicates that the chemical flame retardant decabromodiphenyl ether (Deca) may threaten the health of Americans. Unfortunately, the story of Deca is not unique. Deca is one of many potentially hazardous chemicals that are in widespread use, due to a failed national policy that presumes chemicals are safe until proven beyond a doubt to cause harm.

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Report | Maryland PIRG | Consumer Protection

Graduating Into Debt

Complaints from students and parents in Maryland spurred several state legislators to introduce legislation to address credit card marketing to students. No legislation was enacted, and the hearings that were held to consider the legislation left unanswered questions about the extent of credit card marketing on Maryland public campuses and the policies, if any, of public colleges and universities regarding credit card solicitation. The results of this survey show that credit card marketing varies widely among Maryland colleges and universities.

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Report | U.S. PIRG | Consumer Protection

Trouble In Toyland 2003

The 2003 Trouble in Toyland report is the 18th 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 pose potential safety hazards. PIRG’s research focused on four categories of toys: toys that pose choking hazards, toys that are dangerously loud, toys that pose strangulation hazards or could form sharp projectiles, and toys that contain toxic chemicals.

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

Weird Science

Genetic engineering is an imprecise and haphazard technology—something completely different from traditional plant breeding. Since the inception of the technology, biotechnology companies have clearly demonstrated that scientists cannot control where genes are inserted and cannot guarantee the resulting outcomes. Unexpected field results highlight the unpredictability of the science, yet combinations previously unimaginable are being field tested and used commercially.

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Report | U.S. PIRG | Consumer Protection

The Failure Of Cable Deregulation

The cable industry has used public rights of ways to access those homes and in turn made huge profits. This report makes clear that the cable industry has not lived up to its public and civic responsibilities as holders of valuable public franchises and licenses. Congress, the FCC, and state and local governments must examine the recommendations made in this report and take appropriate action to restore competition to the multichannel video market.

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Blog Post | Public Health

Apple Juice Act will take out Arsenic and Lead in Juice | Nasima Hossain

A Consumer Reports investigation revealed that many brands of apple juice currently on the market contain dangerously high levels of arsenic and lead and a bill has been introduced to make apple juice safe.

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Blog Post | Consumer Protection

B of A tests new fees, CFPB asks for your checking account complaints | Ed Mierzwinski

Reporters are calling about BofA's proposed new checking account fees, "Ed, what does it mean?" Meanwhile the CFPB says checking accounts can be "complex and confusing" and announced it is now  ready and waiting for your checking account complaints. Find out more.

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Blog Post | Public Health

Funding Cuts for Testing of Deadly Bacteria in Fresh Produce | Nasima Hossain

The USDA budget would eliminate the nation’s only program that regularly tests fruits and vegetables for deadly pathogens. Cutting this program will leave public health officials without a crucial tool used to investigate deadly foodborne illnesses and to speed up recalls of dangerous fresh produce.

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Blog Post | Financial Reform

WH urges privacy rights, industry promises "Do Not Track Sometimes" while states investigate Google | Ed Mierzwinski

As web giants amass more and more information about consumers for behavioral targeting and even "social discrimination" -- which can include differential pricing for the same product or the use of web tracking data and falsely-flagged websites to promote certain brandname drug use -- the White House has called for a privacy bill of rights. Companies and powerful industry lobbies seeking to keep those rights weak have rolled out their own "Do Not Track Sometimes" button. Meanwhile bi-partisan groups of Congressional privacy hawks and, now, state attorneys general have demanded information from Google about its slippery, ever-changing privacy policies and whether Googleis in compliance with settlements it has already agreed to.

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Blog Post | Financial Reform

Today, CFPB to announce overdraft fee investigation, unveil "penalty box" disclosure, possibly end $39 lattes. | Ed Mierzwinski

At a news conference in NYC today, Director Richard Cordray of the new Consumer Financial Protection Bureau (CFPB) will announce a major investigation of bank overdraft fee practices and propose a model "penalty box" disclosure to appear on bank statements. The investigation could end the $39 latte-- $4 bucks for the coffee, $35 for the debit card overdraft fee.

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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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