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 30 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 avoiding dangerous 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

Report | U.S. PIRG | Consumer Protection

We Urge CFPB To Provide Mobile Financial Protections

Along with the Center for Digital Democracy, our co-investigator on a series of projects related to "big data" and financial opportunity, we've filed detailed comments to the CFPB regarding the need for strong consumer protections as more and more consumers use mobile financial services. We argue that "mobile technologies and services pose both opportunities and risks to consumers, their privacy, and to the kinds and price of services they are offered."

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

We urge CFPB to issue safeguards for mobile financial services and privacy

We urge (along with the Center for Digital Democracy) the CFPB to issue rules so consumers can use mobile financial services without placing their privacy at risk or exposing themselves to new forms of predatory lending and other unfair practices. We filed a joint comment in response to a CFPB information request.

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With Apple Pay, the tech leader takes its shot at replacing the wallet

We comment in a Washington Post story describing Apple's big product announcements Tuesday. We don't talk about the two new iPhones or even the totally new and much ballyhooed Apple Watch. We talk about Apple Pay, a digital wallet. What are its implications for consumer data security, convenience and choice?

Excerpt: Yet Apple Pay could prove the bigger bet, given its potential to shake up two industries — retail and finance. [...] “Apple’s claiming it’s more secure. We’ll have to see,” said Ed Mierzwinski, consumer program director at U.S. Public Interest Research Group.

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Blog Post | Consumer Protection

We oppose merger between giants Comcast & Time Warner Cable | Ed Mierzwinski

Along with a number of state PIRGs, we have joined the Consumer Federation of America in a petition to deny the merger of cable/Internet giants Comcast & Time Warner Cable. The petition argues that the FCC must deny the merger, which would perpetuate unrestrained cable price increases, allow terrible service to deteriorate further and stifle innovation.

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Blog Post | Consumer Protection

Wall Street launches "pants-on-fire" attack on CFPB | Ed Mierzwinski

The Financial Services Roundtable, a powerful Wall Street lobby that spends millions of dollars annually lobbying on behalf of its big Wall Street bank members has launched a deceptive social media campaign against expansion of the CFPB's successful public consumer complaint database. And like much of what you read on the Internet, most of what they say simply isn't true.

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Blog Post | Consumer Protection

What Will JP Morgan Chase Chief Jamie Dimon Testify To Today? | Ed Mierzwinski

(UPDATED) At 10am, the U.S. Senate Banking Committee will ask JP Morgan Chase chief Jamie Dimon questions perhaps including "What did you know and when did you know it?" and "Did your $3 billion in gambling losses violate the Volcker rule against betting you rown (and the depositors') money?" We will be there, tweeting from @edmpirg.

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Blog Post | Consumer Protection

Spokeo to pay $800,000 in FTC settlement: Sold social network data for employment uses | Ed Mierzwinski

(POST UPDATED): The data broker Spokeo has agreed to pay penalties of $800,000 over multiple violations of the Fair Credit Reporting and FTC Acts. It's important as the first FTC case over the "sale of Internet and social media data in the employment screening context."

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Blog Post | Consumer Protection

Could portable bank account numbers ease moving your money? | Ed Mierzwinski

PIRG "Big Banks, Bigger Fees" reports have documented the many so-called "switching costs" problems consumers face when trying to move their money to a new bank (or credit union). Account number portability, which has worked well for phone company switching, could be a part of the solution.

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Blog Post | Consumer Protection

Tell Jamie Dimon: "Leave the Fed" and Other Bank News | Ed Mierzwinski

JP Morgan Chase chief Jamie Dimon has been one of the leading opponents of strong bank regulations but still sits on the board of one of his bank's chief regulators-- the New York Fed --despite his bank's recent gambling losses. Help us tell Jamie: it's time to go. 

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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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