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

Blog Post | Consumer Protection

new CFPB mortgage rules and tools available | Ed Mierzwinski

CFPB Director Rich Cordray appears on The Daily Show tonight Wednesday to talk about CFPB's new mortgage lending and servicing rules that take effect Friday, 10 January. Read on to find out more about the rules and also about the many self-help tools the CFPB has created to help homebuyers and homeowners protect themselves.

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An error in your credit report? Complain to the feds

A mistake in your credit report can have serious consequences. It can hurt your ability to get a credit card, qualify for a loan, rent an apartment or even be hired for a job.
Find an error in your file and you want it corrected – quickly. But that doesn’t always happen. What do you do then? Complain to the Consumer Financial Protection Bureau (CFPB).

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Blog Post | Consumer Protection

Retailers appeal swipe fee settlement with Visa/Mastercard | Ed Mierzwinski

Yesterday, big retailers filed an appeal of last month's announced final settlement order in an antitrust case involving price-fixing by Visa and Mastercard. PIRG backs the merchants because non-negotiable swipe fees force all consumers, including cash customers, to pay more at the store and more at the pump.

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News Release | U.S. PIRG | Consumer Protection, Higher Ed

U.S. PIRG Applauds CFPB Call for Greater Disclosure

Washington, DC — Today, the Consumer Financial Protection Bureau (CFPB) called on financial institutions to publicly disclose all of their card agreements with colleges and universities. Currently, institutions only need to disclose agreements regarding credit cards, but not debit, checking, or prepaid cards.

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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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Blog Post | Consumer Protection

PIRG, Others Urge CPSC Recall of Bumbo Baby Seat Due to Skull Fracture Risk | Ed Mierzwinski

Over at the CALPIRG blog, consumer advocate Jon Fox explains why CALPIRG, U.S. PIRG, Kids In Danger and other leading groups have asked the Consumer Product Safety Commission, in a letter, to recall the Bumbo baby seat. Previous remedial actions, including labeling the seat with warnings, haven't prevented an alarming number of injuries, including over thirty skull fractures.

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Blog Post | Consumer Protection

Encouraging news on HUD/state AG settlement with big mortgage servicers | Ed Mierzwinski

Update: The terms of the settlement, which was announced this morning, are at the page http://www.nationalmortgagesettlement.com. We are reading it now. Original: If I am reading the overnight news stories correctly (NY TIMES and Politico and Boston Globe), it appears that negotiators have clarified that the well-publicized settlement between HUD and state AGs and the nation's 5 largest mortgage servicers will not release the big banks from claims related to their activities with the mysterious entity known as MERS that aided and abetted their illegal foreclosures. If so, this is a big deal in ultimately holding the big banks fully accountable.

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Blog Post | Consumer Protection

Airline passenger rights reforms finally take off, heading to President's desk | Ed Mierzwinski

PIRG-backed reforms designed to guarantee that passengers stranded in planes sitting on runways are not treated like cattle have been passed by the House and Senate and are expected to be signed by the president as part of FAA reauthorization (New York Times story). The reforms are largely based on the work of former stranded passenger Kate Hanni and her flyersrights.org campaign for an Airline Passenger Bill of Rights (Kate's statement).

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Blog Post | Consumer Protection

Should Facebook And Google Be Regulated As Credit Bureaus? | Ed Mierzwinski

In a series of joint privacy petitions to the Federal Trade Commission beginning in 2006 and extended more recently to include behavioral targeting, as well as medical and mobile marketing, U.S. PIRG and the Center for Digital Democracy (sometimes with allies) have argued for greater scrutiny and regulation of the online digital marketing and behavioral targeting ecosystem that involves companies you do business with, social networking tools, third-party advertisers and other players. Today, in the New York Times, Professor Lori Andrews says that "Facebook is Using You."

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Blog Post | Consumer Protection

Some Consumer News of the Week, In Case You Missed It | Ed Mierzwinski

It's hard to keep up, so here are some key consumer news stories I am following that you may have missed this week. We start with CALPIRG Education Fund's new "Cell Phone Guide," look at the Consumer Federation of America's report on auto insurance discrimination and take you all the way to the NYPIRG Straphangers Campaign survey on what's "good, bad and ugly (rats!)" in NYC subway stations.

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