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 30 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 avoiding dangerous 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

News Release | U.S.PIRG | Consumer Protection

Strong National Payday Rule Could Save Consumers Billions

Today, the Consumer Financial Protection Bureau (CFPB) released its draft high cost small dollar lending (payday and auto title) loan rule for public comment. 

> Keep Reading

LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

> Keep Reading
Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Public Health, Food

Whiter button mushrooms cannot forgo testing | Anya Vanecek

The FDA is likely to approve newly-developed GMO mushrooms without testing them for human health and environmental safety. For just an aesthetic change, this all seems rather foolish.

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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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News Release | US PIRG Education Fund | Consumer Protection

New Report: Mortgage Problems Rank #1 at CFPB for Consumer Complaints

Mortgage problems were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released today by the U.S. PIRG Education Fund. The report also found that Bank of America was the most complained about company in 45 states and Washington, D.C. for mortgage problems.It's the sixth in a series of our reports analyzing nearly 500,000 complaints posted to the CFPB's Public Consumer Complaint Database.

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

We Commend CFPB For Adding Consumer Stories To Public Complaint Database

Yesterday, the CFPB published the first batch (7,700) of consumer narratives or stories to the Public Consumer Complaint Database it began in 2011. We've used the database to publish five reports (so far) analyzing complaint trends in markets ranging from credit cards to student loans but we have also long urged the voluntary addition of stories to the data fields. Now, consumers can learn if what happened to them happened to anyone else. Now, researchers can track which banks are more responsive to particular problems and which ignore their customers. A good resource is now an excellent resource.

> Keep Reading

How Companies Turn Your Facebook Activity Into a Credit Score

This story in The Nation explains our work challenging the way data brokers use "black box," or secret, algorithms to make scoring decisions that may violate the law and deny credit opportunities. This work was also the subject of our recent livestream event featuring Professor Frank Pasquale and his new book, "The Black Box Society." We've now posted an archive of that event, in 3 chapters on our Youtube page.

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

PIRG Commends Supporters of Duckworth Amendment to Protect Our Troops From High-Cost Loans

Last night, on a 32-30 bipartisan vote, the House Armed Services Committee supported the Tammy Duckworth (IL) amendment to strike language from the National Defense Authorization Act that would have delayed Pentagon-proposed improvements to the Military Lending Act of 2007. It's a critical victory for servicemembers, veterans and their families, although the fight to protect our troops from high-cost loans will continue.

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

PIRG Commends Release of Labor Dept.'s Proposed Rule To End Conflicted Retirement Advice

PIRG today commended the public release of the Department of Labor’s proposed rule that would strengthen the ability for Americans to save for retirement by addressing conflicts of interest that arise when brokers and financial advisers give retirement advice. Wall Street will fight the rule hard, because it requires them to put consumers first.

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Report | U.S. PIRG Education Fund | Consumer Protection

Trouble In Toyland 2000

This 2000 Trouble In Toyland report is the fifteenth annual PIRG toy safety survey. PIRG uses results from its survey to educate parents about toy hazards and to advocate passage of stronger laws and regulations to protect children from toy hazards. 

> Keep Reading
Report | U.S. PIRG | Consumer Protection

Playing It Safe 2000

The fifth nationwide investigation of public playgrounds by the Public Interest Research Groups (PIRG) and Consumer Federation of America (CFA) found that a majority of American playgrounds pose hidden threats to our nation’s youngsters.

> Keep Reading
Report | U.S. PIRG | Consumer Protection

ATM Fee Backlash

The ATM surcharge has more than doubled the cost to consumers for using foreign ATMs. The surcharge contributes dramatically to the profits of ATM owners, lessens the benefit to consumers of shared ATM networks and encourages the growth of bigger banks.

> Keep Reading
Report | U.S. PIRG | Consumer Protection

Show Me The Money

This report updates a 1998 CFA survey on the consumer costs of payday lending and includes a survey of 230 payday lenders found in 20 states. It finds that payday lenders continue to make short term consumer loans of $100-400 at legal interest rates of 390-871% in states where payday lending is allowed. More disturbingly, the report finds that payday lenders are exploiting new partnerships with national banks to make payday loans in states, such as Virginia, where the loans are otherwise prohibited by usury ceilings or other regulations.

> Keep Reading
Report | U.S. PIRG | Consumer Protection

Big Banks, Bigger Fees 1999

Over 12 million American families can't afford bank accounts. The rest of us are paying too much, especially if we bank at big banks. Meanwhile, in 1998 banks recorded nearly $62 billion in profits, an eighth straight record year.

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Blog Post | Consumer Protection, Make VW Pay

Why VW Must Pay. A View From The Road | Ed Mierzwinski

I've posted a guest post blog entry from Marcus Moench and Elisabeth Caspari on my Huffington Post blog and cross-posted it here. It explains why Marcus and Elizabeth are traveling from Boulder, Colorado to Volkswagen headquarters in northern Virginia to attempt to return their 2010 "defeat-device" Jetta diesel.

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Blog Post | Consumer Protection, Make VW Pay

From the road | Mike Litt

Last week, Marcus and Elisabeth kicked off a cross-country road trip to Volkswagen headquarters in Virginia to make VW pay for misleading consumers and polluting our air. Marcus and Elisabeth own one of the 567,000 diesel vehicles in the U.S. that Volkswagen sold as “clean” but was secretly designed with a “defeat device” to emit as much as 40 times the legal limit for smog-forming pollutants. 

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Blog Post | Public Health, Consumer Protection, Democracy, Food, Transportation

State of the Union: Five Things We’ll Be Listening For | Chris MacKenzie

President Obama has hyped his final State of the Union address as a speech that will help to define his legacy. Here's how he can break new ground.

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Blog Post | Public Health, Food

The State of Antibiotics 2016 | Bill Wenzel

While President Obama discusses some of our nation's biggest economic, social, and foreign policy challenges at the 2016 State of the Union address, here's our take on one of the most pressing public health issues of the era.

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Blog Post | Consumer Protection, Make VW Pay

Cross-country VW tour departure on the local news | Mike Litt

Yesterday, Danny Katz, director of CoPIRG, helped Marcus and Elisabeth kick off a cross-country road trip to Volkswagen headquarters in Virginia to make VW pay for misleading consumers and polluting our air.

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