Reports

Stop Payday Predators

Payday loans are among the most predatory forms of credit on the market. Though they are marketed as having “reasonable” fees or charges, typical interest rates exceed 300 percent. And because the payday lenders’ bottom line actually depends on borrowers’ inability to repay — most payday fees come from borrowers who take out more than 10 loans a year — they target people with low incomes and no other options.

Report | U.S. PIRG and Money in Politics Coalition | Democracy

Our Voices Our Democracy

On the verge of the most expensive election in U.S. history—and six years after the U.S. Supreme Court’s disastrous Citizens United decision—Americans are demanding a government that is truly by the people, where every voice is heard and every vote counts.

Report | U.S. PIRG | Democracy

Boosting the Impact of Small Donors, February 2016

Mega-donors and special interest groups have flooded this year’s presidential race with a record breaking sum of money. What would our elections look like if a small donor empowerment program were in place?

Report | U.S. PIRG | Higher Ed

Covering the Cost

A report explaining why decision-makers can no longer afford to ignore high textbook prices.

Report | U.S. PIRG Education Fund | Transportation

Highway Boondoggles 2

Twelve proposed highway projects across the country – slated to cost at least $24 billion – exemplify the need for a fresh approach to transportation spending. These projects, some originally proposed decades ago, are either intended to address problems that do not exist or have serious negative impacts on surrounding communities that undercut their value.

Report | US PIRG Education Fund | Tax

Settling for a Lack of Accountability?

When large companies harm the public through fraud, financial scams, chemical spills, dangerous products or other misdeeds, they almost never just pay a fine or penalty, as ordinary people would. Instead, these companies negotiate out-of-court settlements that resolve the charges in return for stipulated payments or promised remedies. These agreements, made on behalf of the American people, are not subject to any transparency standards and companies often write them off as tax deductions claimed as necessary and ordinary costs of doing business.

What's at Stake

Imagine two futures for the transportation system of the Commonwealth of Massachusetts. In one, the air is cleaner. It is more convenient to use an improved public transit system ad to drive less, so most households only own one car. There are fewer traffic jams because fewer people travel via automobile. There are more sidewalks and bike lanes, so many people walk or bike to their jobs, schools, and other destinations. People feel a little richer with extra money in their pocket, due to less spending on gasoline, parking, and auto maintenance. Bay Staters are healthier as a result of reduced pollution and increased physical activity. 

Report | U.S. PIRG Education Fund | Democracy

Boosting the Impact of Small Donors, Q3 2015

Candidates in the 2016 presidential race could see a dramatic shift in fundraising under a small donor empowerment program, according to a new study by U.S. PIRG

Report | U.S. PIRG & Center for Digital Democracy | Consumer Protection

Comments to U.S. Treasury Department on Online Marketplace Lending

In response to a "Request for Information" from the U.S. Treasury Department, last week U.S. PIRG and the Center for Digital Democracy filed a detailed comment recommending that regulators take a close look at the activities of a new "Big Data" financial sector of online marketplace lenders, which includes so-called "peer-to-peer" lenders. While the sector has potential to be innovative and provide lower-cost loans to consumers, and to improve financial opportunity for underserved consumers, there are risks in "light-touch" regulation.

Report | U.S. PIRG | Democracy

Fighting Big Money, Empowering People

Like every generation before us, Americans are coming together to preserve a democracy of the people, by the people, and for the people. American democracy is premised on the consent of the governed, and on the idea that we all deserve a say in the government decisions that affect our families. We stand united supporting commonsense protections that recognize the people as the ultimate check on the corrosive influence of money in politics, which is eroding the very foundation of self-government.

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Priority Action

We're teaming up with big restaurant chains to stop the overuse of antibiotics on factory farms. Call on KFC to stop selling meat raised on routine antibiotics.

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