Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

U.S. PIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 27 years, U.S. PIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for buying safer toys.

BIGGER BANKS, BIGGER FEES

In April, U.S. PIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

Blog Post | Consumer Protection

CFPB gets results for consumers, slams Chase for deceptive card add-ons | Ed Mierzwinski

Earlier this week, USPIRG Education Fund released "Big Banks, Big Complaints," a report documenting how the CFPB is helping bank customers with its public complaint database. Today, the CFPB announced it had imposed a $20 million civil penalty on JP Morgan Chase and ordered it to refund $309 million to over 2 million consumers for deceptively marketing junky credit card add-on products, some of which consumers didn't even receive. The CFPB is getting results.

> Keep Reading
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.

> Keep Reading
News Release | U.S. PIRG | Budget, Food, Tax

Groups, Lawmakers Demand Cuts to Ag Subsidies, Deliver Petitions from 278,000 Citizens, 1,000 Small Farmers

Representatives Ron Kind (D-WI) and Tom Petri (R-WI) joined groups from across the political spectrum to deliver petitions and call on Congress to end subsidies to large agribusinesses, which are a part of the Farm Bill that is set to expire at the end of this month. 

> Keep Reading
Blog Post | Public Health, Consumer Protection

Preventing the Chobani Mold Problem

The constant stream of food recalls has made one thing clear: more needs to be done to protect Americans from the risk of unsafe food. Instead we’re seeing important rules, standards, and inspections that could significantly improve food safety getting blocked, underfunded, or delayed, allowing the drumbeat of recalls to continue.

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Bounced Checks Could Land You On A Banking Blacklist

"NEW YORK (CBSNewYork) — Bounced checks and forgotten overdraft fees can happen to anybody. But now, some banks are using those money mistakes against customers. [...] Consumer advocates said that some of the people being shut out have records that were dinged accidentally." (Video and print story available)

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Fox Business: Consumer Watchdog Gives Bite to Dodd-Frank

"The CFPB has been enormously successful in ramping up over its first year," says Ed Mierzwinski, consumer program director at the Federation of State Public Interest Research Groups in Washington, D.C.

> Keep Reading
News Release | U.S. PIRG | Food

SENATE TO VOTE ON FARM BILL AND GIVEAWAYS TO BIG AG

U.S. PIRG is disappointed in the Senate’s approval of the 2012 Farm Bill, which will send tens of billions of taxpayer dollars to Big Ag. Nasima Hossain, U.S. PIRG public health advocate, releases statement on the Senate Vote today on the 2012 Farm Bil.

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NYTimes Editorial: Debit Cards on Campus

According to a study by the United States Public Interest Research Group Education Fund, an advocacy organization, nearly 900 colleges and universities have card relationships with banks or other financial institutions, some of which manage student aid disbursements by turning student IDs into debit cards.

> Keep Reading
News Release | U.S. PIRG | Food

Flawed Farm Bill Heads Toward Senate Floor

The Senate is moving to vote on the farm bill, S.3240, that would continue the current system of agricultural subsidies to large, profitable, agribusiness. Taxpayers’ hard earned dollars will be handed out needlessly in the billions.

> Keep Reading
News Release | U.S. PIRG | Food

Senate Committee Approves New Taxpayer Giveaways to Big Ag

The Senate Agriculture Committee’s proposed Farm Bill would entrench taxpayer handouts to large agribusinesses and underwrite junk food ingredients

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Blog Post | Consumer Protection

Privacy Hawks Demand Info From Data Brokers | Ed Mierzwinski

A bi-partisan group of members of Congress, led by the political odd couple of Reps. Ed Markey (D-MA) and Joe Barton (R-TX), have sent detailed information demands to a number of virtually unregulated data brokers. The firms buy and sell information gleaned from public record databases, social network sites and other sources; but unlike the Big Three credit bureaus, no one really knows what they are up to.

> Keep Reading
Blog Post | Consumer Protection

OCC To Payday Lenders: "We don't want you here (paraphrase)." | Ed Mierzwinski

Good news from the Office of the Comptroller of the Currency, the nation's national bank safety regulator, which in testimony today rejects a proposal by payday lenders to hide out at the OCC to avoid regulation by the CFPB or states. The OCC says it doesn't want to charter payday lenders, because they are "focused on consumer credit products of the very nature and character that the OCC has found unacceptable."

> Keep Reading
Blog Post | Consumer Protection

For its own first birthday, CFPB sends gifts to consumers | Ed Mierzwinski

Tomorrow, Saturday, July 21, the Consumer Financial Protection Bureau turns one year old. To celebrate its own birthday, the CFPB sent consumers some gifts this week.

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Blog Post | Food

Everyone is Hopping Mad About the Farm Bill | Nasima Hossain

Earlier this month, the House Agricultural Committee passed its version of the Farm Bill with a 35-11 vote.  It was greatly anticipated, as the country needs a fair and common sense bill that cut wasteful spending. In years past, the Farm Bill has given out tens of billions in taxpayer dollars to large, mature agribusinesses, and subsidized commodity crops that are often processed into the junk food ingredients fueling the obesity epidemic. 

> Keep Reading
Blog Post | Consumer Protection

Corporate crime wave! Do any big banks make money by earning it? | Ed Mierzwinski

The CFPB/OCC settlement with Capital One for deceiving credit card customers into purchasing junky ripoff add-ons comes hard on the heels of revelations that other banks have been caught or are being investigated for LIBOR bid rigging, mortgage discrimination and aiding money launderers. Do any big banks earn money by offering innovative, fair and sustainable products anymore?

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