Blog Posts

UPDATED (9 Feb.) Retail store data breaches make a mess, but an easy one to clean up and the few consumers who become fraud victims are quickly made whole. The Anthem hackers, on the other hand, reportedly obtained a mother lode of information that could be used to commit a variety of serious frauds, including obtaining your tax refund. Read our tips here. Here's the first: Don't click on any emails claiming to be from Anthem; some may be malicious.

House's New Target: All Health, Safety, Financial Protections

By | Ed Mierzwinski
Consumer Program Director

Following their embarrassment a few weeks ago when a vote on Wall Street rollbacks using "name that post office" procedures failed, the good news is that House leaders are taking a hiatus from attacking financial reform directly this week. The bad news: instead, the House plans to move two proposals placing roadblocks in front of any agency -- from FDA and EPA to the CFPB -- seeking to establish public health, safety or financial safeguards. We're on the case.

Banks, debt collectors lead backdoor effort to robocall your cell phone!

By | Ed Mierzwinski
Consumer Program Director

Banks and debt collectors are leading a phalanx of powerful special interests seeking backdoor action to weaken the consumer protection law that prevent robocalls to your cell phone without your consent. We've joined other consumer and privacy leaders, and senators led by Ed Markey (MA), to stop them.

UK's "CFPB" Nails Big Brit Banks for Unfair Credit Card Add-on Fees

By | Ed Mierzwinski
Consumer Program Director

Emulating the U.S. Consumer Financial Protection Bureau, London's Financial Conduct Authority has ordered 11 big UK banks, including a Capital One subsidiary, to return "hundreds of millions of pounds" to consumers over "mis-selling" of unnecessary "card security" insurance that duplicates protection by law. In the psat two years, the CFPB has ordered $1.5 billion in refunds to U.S. consumers duped by similar add-on subscription products. The products were sold by a Stamford, CT based "loyalty club" marketer, Affinion, that has been the subject of enforcement actions by a number of U.S. state attorneys general.

New year, fresh start: Congress’s Do’s and Don’ts

By | Jaimie Woo
Tax & Budget Associate

Another year has come and gone, and 2015 presents an opportunity to start fresh. With that in mind, it’s time for the newly minted 114th Congress to make the right choices for the public’s interest in its New Year’s resolutions, and making the tax code fairer is a good place to start. 

“Tax reform.” Perhaps you hear these words and your eyes gloss over. It’s long been talked about, but hardly any progress made on the issue in nearly 30 years. However, both the president and Republican Congressional leaders have said they’re willing to make headway by reforming the corporate tax code. Here is a short list of Do’s and Don’ts that puts the public interest first and should form the basis of any agreement:

President Issues Privacy Platform

By | Ed Mierzwinski
Consumer Program Director

Today the President announced support for a variety of privacy protections, most of which are laudable. However, it remains our view that Congressional consideration of a "uniform national breach notification standard" is unnecessary and, worse, will give powerful special interests an opportunity to use the proposal as a Trojan Horse to enact sweeping preemptive limits on state privacy protections.

Wall Street Gets Rare House Floor Defeat

By | Ed Mierzwinski
Consumer Program Director

UPDATED 12 Jan 2015 (adding opposition to Regulatory Accountability Act): House leaders miscalculated today when they attempted to pass a sweeping rollback of Wall Street reforms under a suspension of the rules procedure usually limited to bills naming Post Offices and praising Cub Scouts and Little League teams. Faced with strong opposition led by Rep. Keith Ellison (MN), the proposal failed to get the necessary 2/3rds vote in favor to pass, but unfortunately it is expected to be back.

UPDATED: Opposition to a controversial provision authored by Citibank forced House leaders to delay consideration of the "CRomnibus" appropriations package just hours before funding for the federal government expired at midnight Thursday. Eventually the bill passed narrowly with the Wall Street provision intact. Action now shifts to the Senate, which has a 48-hour window to pass the bill, but any one Senator can block it under Senate rules. The provision would again allow Wall Street banks to place risky bets with taxpayer-backed funds, and require taxpayers to bail them out if the bets fail, repealing a key protection added in the 2010 Wall Street reform law. 

The Country Has Spoken

By | Jaimie Woo
Tax & Budget Associate

While the dust is still settling from the mid-term elections and the pundits are trying to figure out what it all means, the American people have made their collective voices heard and delivered a message that they do not like the country's direction. Exit polling data from Election Day showed clear majorities in against growing corporate influence on the political process and in favor of greater corporate accountability. The message is clear: inversions must stop, corporate tax avoidance must end, and special corporate loopholes must close.

Black Friday, Cyber Monday and Data Breaches

By | Ed Mierzwinski
Consumer Program Director

Tomorrow, Saturday, 11/29, I'll discuss data breaches and card security on C-Span Washington Journal at 8:40 AM Eastern. It's the biggest shopping weekend of the year, with Black Friday and Cyber Monday bracketing 2 more shopping days. If I shop, it'll be online, with credit, not debit, cards.

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