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

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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News Release | U.S. PIRG | Consumer Protection

U.S. PIRG’s Christine Lindstrom Testifies before U.S. Senate Banking Committee on Campus Debit Cards

U.S. PIRG Higher Education Program Director Chris Lindstrom testified before the Senate Banking Committee today on campus banking issues, private student loans and other issues concerning financial products on campus.

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News Release | U.S. PIRG | Consumer Protection

SHAREHOLDER RESOLUTION ASKS SAFEWAY TO LABEL ITS FOOD FOR GMOs

At its annual meeting this Friday, shareholders and advocacy groups will urge Safeway to label store brand products containing genetically modified organisms (GMOs). Green Century Capital Management filed a shareholder proposal with Safeway, citing unprecedented public demand for GMO labeling as a reason for Safeway to voluntarily provide this information. 

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

New Report Identifies Most Troublesome Private Lenders to Students

WASHINGTON – Thousands of American students are using the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database to settle disputes about private student loans, according to a new report from the U.S. PIRG Education Fund.

Sallie Mae, the student lending giant, generated the most private student loan complaints nationally, and ranked first or tied for first in every single state. Student loan borrowers in the U.S. carry $24,803 on average in total student loan debt.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

CFPB Report Confirms 2009 Credit CARD Act Works to Protect Consumers

“Today’s CFPB report on the Credit CARD Act of 2009 confirms that the law has cleaned up the worst tricks and traps that riddled the credit card marketplace. Those traps saddled consumers with unfair penalty fees and high penalty interest rates, ultimately leading to massive and unsustainable credit card debt and even bankruptcies."

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Feds solve problems for unhappy bank customers

Got a beef with your bank and you can't get it resolved?
Don't sit there steaming. Complain to the Consumer Financial Protection Bureau (CFPB), the federal government's new financial watchdog.

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News Release | U.S. PIRG | Consumer Protection

CFPB Gets Results: Orders Chase Bank to Repay Consumers Over $300 Million Over Sale of Junky Credit Card Add-On Products That Weren’t Even Delivered

Yesterday the CFPB fined Chase Bank $20 million and ordered it to refund over 2 million consumers a total of over $300 million over the sale of junky credit card and debit card add-ons that weren’t even delivered.

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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.

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Report | U.S. PIRG | Consumer Protection

Trouble In Toyland 2004

The 2004 Trouble in Toyland report is the 19th 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 may pose potential safety hazards. PIRG’s research focused on four categories of toys: toys that pose choking hazards, toys that pose strangulation hazards, toys that are dangerously loud, and toys that contain toxic chemicals. 

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Report | U.S. PIRG | Consumer Protection

Mistakes Do Happen

Several studies since the early 1990s have documented sloppy credit bureau practices that lead to mistakes on credit reports—for which consumers pay the price. Consumers with serious errors in their credit reports can be denied credit, home loans, apartment rentals, auto insurance, or even medical coverage and the right to open a bank account or use a debit card. We asked adults in 30 states to order their credit reports and complete a survey on the reports’ accuracy.

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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 | 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 | 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

Shopping? We've got your back, online and in the store. | Ed Mierzwinski

Whether you're shopping for toys or anything else this holiday season, the state PIRGs have new resources to help you make better, safer choices. We also have tips to protect your privacy and your wallet from online scams and rip-offs.

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Blog Post | Consumer Protection

Will U.S. Trade Deal With Europe Eliminate Consumer Protections? | Ed Mierzwinski

Tomorrow, Tuesday, on Election Day, Washington State voters will consider the question "Yes On 522: To Label Genetically-Modified Foods." The right to choose your food is a right that American consumers want and every European citizen already has. But at the behest of the powerful agribusiness industry, U.S. trade negotiators want to take it away from all of us on both sides of the Atlantic in a secret deal. U.S. PIRG is among the consumer groups pushing back.

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Blog Post | Consumer Protection

CFPB Report Shows Credit CARD Act Works | Ed Mierzwinski

Last week, the CFPB released a report showing that the landmark PIRG-backed Credit CARD Act of 2009 is saving consumers billions of dollars by helping them avoid penalty fees and unfair interest rate increases. We joined CFPB director Richard Cordray and others in Chicago to discuss the report's findings.

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Blog Post | Consumer Protection

How To: Using the CFPB's Consumer Complaint Database | Laura Murray

Since June 2011, the Consumer Financial Protection Bureau (CFPB) has been getting results for consumers by allowing them to file complaints about a variety of financial products and services.  The complaint process has helped thousands of consumers settle disputes with their banks and lenders.  Many of these consumers obtain tangible relief through the process.

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