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

Five Things The Credit Bureaus Don't Want You To Know | Ed Mierzwinski

If your name is Judy Thomas, you live in Ohio and you have good credit, you don't want to be mixed up with Judith Kendall who lives in Utah and doesn't have good credit. Last week, Judy explained her story to a U.S. Senate Commerce Committee hearing on credit bureau mistakes. We learned at least five things that the credit bureaus don't want you to know.

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News Release | U.S. PIRG | Consumer Protection

Selection of New Director for Federal Housing Finance Authority is Opportunity to Protect Consumers

The Federal Housing Finance Authority (FHFA) should be accountable to consumers, taxpayers and Congress as it works to stabilize housing markets. The selection of a permanent FHFA director is an important opportunity to restore this powerful office to a servant of the public, rather than a captured creature of moneyed interests.

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Blog Post | Consumer Protection

Senator McConnell says we shouldn't have a CFPB at all | Ed Mierzwinski

Senator Mitch McConnell (KY) told Wall Street and other bankers yesterday that "If I had my way, we wouldn't have the [Consumer Financial Protection Bureau] at all." Here's a list of some of the protections the rest of us -- consumers, veterans, students, and seniors -- wouldn't have at all if McConnell and Wall Street had their way and we didn't have a  CFPB at all.

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Prepaid cards can be a good choice if you choose wisely

Prepaid debit cards are billed as a better way to manage your money, a smart alternative to checking accounts. [...but prepaid] debit cards are different from credit cards or even debit cards tied to a checking account. They may not provide the same level of protection again loss or fraud. Ed Mierzwinski, director of consumer programs at U.S. PIRG, doesn’t think most people understand the difference.

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

CFPB Ends Kickbacks by Mortgage Insurers

U.S. PIRG applauds CFPB’s enforcement action, including over $15 million in total penalties, against four mortgage insurers to end the practice of giving kickbacks to mortgage companies to get their business.

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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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Reuters: Bank Transfer Day saw 600,000 switch

Bank of America (BofA) Gets Hit By $5 Debit Card Fee, Consumers Move Their Money From Big Banks. Read the story. Then, get more info at U.S. PIRG's Bank Fee Tips. Check out our April 2011 report Big Banks, Bigger Fees for more details.

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Media Hit | Food

Fox News: New Report Links Agricultural Subsidies to Childhood Obesity

A report by the U.S. Public Interest Research Group, or U.S. PIRG, titled “Apples to Twinkies: Comparing Federal Subsidies of Fresh Produce and Junk Food” found that between 1995 and 2010, the U.S. has spent more than $260 billion on agricultural subsidies.

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News Release | U.S. PIRG | Food

Representative Jeff Flake Introduces REAPS Act

Statement of U.S. PIRG Federal Legislative Office Director Gary Kalman on the introduction of the Reducing the Deficit through Eliminating Agriculture Direct Payment Subsidies Act.

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News Release | U.S. PIRG | Food

House Committee Approves Cut to Agriculture Subsidies

Every year, billions of taxpayer dollars are directed toward agribusiness -- artificially driving down the cost of fats and sugars by subsidizing commodity crops like corn and soybeans. Meanwhile, the prices of fruits and vegetables, grown with relatively little government support, have steadily increased by nearly 40% in the past 20 years.

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Blog Post | Consumer Protection

Visa/Mastercard settlement may allow surcharges, but some stores say unfair practices not ended | Ed Mierzwinski

A reported $5 billion settlement over anti-competitive practices by Visa and Mastercard that raise prices for all consumers at the store and at the pump will allow merchants to surcharge credit card transactions in some circumstances. But the convenience stores oppose the settlement as too weak to protect them.

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Blog Post | Consumer Protection

CFPB May Announce It Has "Guns, Lots of Guns" To Regulate Credit Bureaus | Ed Mierzwinski

The CFPB travels to Detroit Monday, July 16th, for a field hearing on credit reporting. It seems like a fine opportunity to announce a final anticipated rule giving it full authority -"guns, lots of guns" - to look inside the black box operations of Trans Union, Equifax and Experian-- the Big Three self-anointed and little-scrutinized gatekeepers to financial and employment opportunity despite their long record of mistakes and failure to give consumers a chance to fix them.

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Blog Post | Consumer Protection

Arbitration: it's not just bad for you, it's bad for fair arbitrators, too | Ed Mierzwinski

A Bloomberg columnist is reporting that the securities industry's self-regulator FINRA has fired 3 arbitrators who ruled against BofA's Merrill Lynch in favor of a presumably grievously ripped-off investor (they rarely win). It's time for both the SEC, for investors, and the CFPB, for consumers, to step up and use their Wall Street Reform and Consumer Protection Act powers to ban forced arbitration.

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Blog Post | Consumer Protection

On the Internet, Everyone Knows If You're A Big Dog, Or Just A Dog | Ed Mierzwinski

A Wall Street Journal story today has everyone talking about how Internet sites use profiles and cookies to offer different customers different offers, or the same product for different prices. On the Internet today, everybody knows whether you're a big dog, or just a dog.

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Blog Post | Consumer Protection

CFPB launches searchable credit card complaint database today | Ed Mierzwinski

Joining agencies that regulate cars, toys and other consumer products, medical devices and airline service, today the Consumer Financial Protection Bureau rolls out a searchable online complaint database. The CFPB's new tool, for credit cards to start,  comes in the nick of time to help consumers who the LA Times warns may be tricked into automatically signing up for an over-priced junky Citibank add-on monitoring service.

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TOY SAFETY TIPS ON-THE-GO

From toxic chemicals to choking hazards to dangerous magnets, see what dangerous toys to watch out for while you shop.

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