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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 | US PIRG | Transportation

Volkswagen Must Still Comply With Federal Fuel Efficiency Standards

Statement by John Olivieri, National Campaign Director for 21st Century Transportation at the United States Public Interest Research Group, on Volkswagen’s efforts to elude EPA standards governing the release of auto pollution, and the corporation’s future ability to comply with federal fuel efficiency requirements in the wake of its recall. 

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Media Hit | Tax

We lost our house, the economy crashed, and you made a fortune. How much do we owe you?

JPMorgan should not get taxpayer subsidies for ruining countless people's lives. Its actions were not just the ordinary and necessary cost of doing business.

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News Release | U.S. PIRG | Tax

U.S. PIRG Applauds Bipartisan Bill Barring Tax Write-Offs for Corporate Wrongdoing

 We applaud Senators Reed and Grassley for introducing legislation to address the outrageous tax deductions corporations often take for settlements they pay for harming the public.

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Media Hit | Budget, Tax

Government must shut down corporate tax havens

American citizens continue to bear the brunt of many congressional decisions lately, or perhaps, lack thereof. Congress's inability to grapple with our budget crises ultimately led to a government shutdown and fight over the debt ceiling. Yet one common-sense solution is not difficult to find: stopping the abuse of offshore tax havens that costs us an estimated $150 billion in annual revenue.

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News Release | U.S. PIRG | Tax

160,000 Tell D.O.J. to Prevent JPMorgan Tax Deduction for Mortgage Wrongs

U.S. PIRG delivered 160,000 petitions to the Department of Justice demanding that they do not allow JPMorgan to write off their expected $9 billion settlement for mortgage lending abuses on their taxes. If the bank is allowed to deduct the settlement, over $3 billion in costs could shift to taxpayers.

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Blog Post | Food

Crop Insurance: A Taxpayer Giveaway by Another Name | Nasima Hossain

Just like other agriculture subsidies, the federal crop insurance program directs billions of taxpayer dollars to the biggest agribusinesses, with the payouts biased towards commodity crops that are often processed into junk food ingredients.  The program directly subsidizes agribusinesses’ insurance premiums on coverage they would buy anyway, making it yet another way taxpayer dollars pad Big Ag’s profits

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Blog Post | Consumer Protection

CFPB seeks your views on prepaid cards, including campus cards featured in our latest report | Ed Mierzwinski

The CFPB wants your views on general purpose reloadable prepaid cards. Some of the campus cards featured in U.S. PIRG Education Fund's new report, the Campus Debit Card Trap, are prepaid cards, others are debit cards, and there is a difference.

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Blog Post | Consumer Protection

House banking committee takes action to aid predatory rent-to-own firms today | Ed Mierzwinski

(Updated 1 June) This morning the House Financial Services Committee will likely approve HR 1588, legislation designed solely to allow the rent-to-own industry ("for only 104 weekly payments of $10.99, you can own this TV/computer/couch" for 3 or 4 times its total retail price) to preempt or override the laws of the several states that protect its consumers from predatory financial practices. Is that the role of the Congress?

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Blog Post | Tax, Transportation

Senate Transportation Bill Stretches Dollars by Ending Hidden Subsidies and Cracking Down on Tax Dodgers

The Senate transportation bill doesn't transform the way America invests in transportation, but it finds some good ways to save money and increase performance within an austerity budget

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Blog Post | Consumer Protection

NYTimes on growing tax fraud identity theft epidemic | Ed Mierzwinski

The New York Times has a story on the web "With Personal Data in Hand, Thieves File Early and Often" by reporter Lizette Alverez for Sunday's paper. It describes an "epidemic" of tax identity theft. Thieves file fraudulent tax returns and receive a legitimate taxpayer's refund before he or she does, often on a hard-to-trace prepaid card.  Losses are in the billions, losses are increasing and legitimate taxpayers are waiting a long time to get their refund. It's a very good story that explains how the crime works, how it disproportionately harms retirees and how, -- despite massive efforts by agencies from the IRS to the post office -- it's a growing mess. Unfortunately, the reform promoted by some policymakers quoted in the story -- increasing criminal penalties -- has never worked to stop identity theft. Bad guys don't have to carry guns and they rarely get caught, so the crime is booming. Sure, it doesn't hurt to increase penalties, but it is not enough. We need to protect personal data better. Relying on increasing penalties is a feel-good solution that won't work on its own. But the credit bureaus and other powerful special interests have resisted legislation to protect personal information better and spent heavily to convince policymakers that "blaming bad guys" is more important than fixing their own sloppy practices. The credit bureaus, of course, are wrong.

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