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Chip Cards Will Require Users to Dip Rather Than Swipe

You're probably wondering why most of your credit and debit cards have been replaced early, with a shiny metallic "chip" on the left front. That's because, as of October 1, banks and card networks will hold merchants more accountable for fraud losses if they don't have card readers where you can "dip" instead of "swipe." Rachel Abrams of the NY Times has an excellent explainer on how the new tech will greatly reduce in-person retail card fraud because the chip scrambles your account number for one-time use by the merchant. The story also explains how the tech could have been better with a PIN along with a chip, and how it won't help stop online fraud at all. But it is a step.

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Report | U.S. PIRG and Citizens for Tax Justice | Tax

Offshore Shell Games 2015

U.S.-based multinational corporations are allowed to play by a different set of rules than small and domestic businesses or individuals when it comes to the tax code. Rather than paying their full share, many multinational corporations use accounting tricks to pretend for tax purposes that a substantial portion of their profits are generated in offshore tax havens, countries with minimal or no taxes where a company’s presence may be as little as a mailbox. Multinational corporations’ use of tax havens allows them to avoid an estimated $90 billion in federal income taxes each year.

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How Volkswagen Could Compensate Diesel Owners

We explain the core demand of our "Make VW Pay Campaign" in this story by New York Times columnist Ron Lieber:

He asks: "Why not just ask for whatever the cars were worth on the day before news of the scandal broke"

Our reply: "Ed Mierzwinski, consumer program director at U.S. PIRG, says that the drivers deserve more."

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Blog Post | Public Health

10 Reasons to Worry About Antibiotic Resistance | Anya Vanecek

10 reasons to worry -- and what you can do to help fight -- the rise of antibiotic-resistant infections.

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News Release | US PIRG | Transportation

Volkswagen Must Still Comply With Federal Fuel Efficiency Standards

Statement by John Olivieri, National Campaign Director for 21st Century Transportation at the United States Public Interest Research Group, on Volkswagen’s efforts to elude EPA standards governing the release of auto pollution, and the corporation’s future ability to comply with federal fuel efficiency requirements in the wake of its recall. 

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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 | Tax

JPMorgan Shouldn’t Get Tax Break for “London Whale” Settlement

JPMorgan could get a $35 million tax deduction from its $100 million settlement with Commodity Futures Trading Commission unless the regulator explicitly forbids it.

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Media Hit | Transportation

Young People Driving Less, Embrace Other Transportation

U.S. PIRG is featured in USA Today, and shows how young Americans are changing the nation's transportation landscape. They drive less, want to stay connected as they travel, embrace car-sharing, bike-sharing, ride-sharing.

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Media Hit | Budget, Tax

Infrastructure Bill is Actually Giant Corporate Tax Break

Currently, many large corporations avoid taxes by booking profits to sham shell companies in offshore tax havens like the Cayman Islands. This offshore tax dodging costs Americans a whopping $90 billion each year in tax revenue.

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News Release | U.S. PIRG | Democracy

On Argument of McCutcheon v. FEC, Democracy Groups Call for Constitutional Amendment

As the Supreme Court prepares to hear oral arguments in McCutcheon v. FEC, U.S. PIRG and seven other pro-democracy groups are speaking out on the urgent need for amending the Constitution to protect the integrity of our democracy.

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Blog Post | Public Health

Medical Implant Recalls Raises Questions about 510K Review Process. | Nasima Hossain

Medical devices can range from bandages and medical clamps to surgical mesh and hip replacements. The medical devices industry is a $100 billion-a-year industry and works aggressively with the FDA to push thousands of devices onto the market every year.

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Blog Post | Consumer Protection

Overdraft bill to end $35 cup of coffee and other bank reform highlights | Ed Mierzwinski

Yesterday, U.S. PIRG joined U.S. Rep. Carolyn Maloney (NY) and other leading members in front of the U.S. Capitol to introduce the Overdraft Protection Act of 2012. Also this week, the Consumer Financial Protection Bureau described its proposal to simplify mortgage points and fees. Click read more to find about these and other important financial stories this week.

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Blog Post | Consumer Protection

You can pick your friends, and even your bank, but you're stuck with the reckless credit bureaus | Ed Mierzwinski

You can pick your friends and even your bank but you are stuck with the credit bureaus.  Over the last twenty years the power of the big credit bureaus to act as gatekeepers to consumer success in life has grown immensely. Credit reports and credit scores generated from them are used to decide whether consumers can get a job, get car insurance, qualify to open a bank account, rent an apartment, use a debit card and, of course, whether they can obtain and how much they will pay for credit. The Columbus (OH) Dispatch has an excellent four-part series explaining that the credit bureaus make mistakes, lots of them, and ruin peoples' lives. There is hope, however, since the new Consumer Financial Protection Bureau has new tools to rein in the bureaus.

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Blog Post | Consumer Protection

Consumer Reports magazine issues Facebook privacy tips | Ed Mierzwinski

The cover story of the June 2012 Consumer Reports is all about protecting your privacy on Facebook. Worth a read.

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Blog Post | Public Health

Solution to Antibiotic Use in Animals- H.R. 965, Preservation of Antibiotics for Medical Treatment Act of 2011 | Nasima Hossain

The research points to an increasing body of evidence that overuse of antibiotics in animals is the leading cause of drug resistance bacteria. Every year 18,000 people die from the antibiotic-resistant bug MRSA, and 80 percent of all antibiotics are used on animals, not humans.

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Priority Action

We're calling on big restaurant chains to stop the overuse of antibiotics on factory farms. Tell KFC to stop serving meat raised on routine antibiotics.

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