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

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."

> Keep Reading
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.

> Keep Reading
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.

> Keep Reading
Blog Post | Consumer Protection

Our new "CFPB Can Help" video is live | Ed Mierzwinski

Please like and share our new video short (it's less than a minute) letting consumers know how the "CFPB can help." The CFPB, of course, is the Consumer Financial Protection Bureau, established as part of the Wall Street Reform and Consumer Protection Act of 2010.

> Keep Reading
Blog Post | Public Health, Food, Health Care

Eight moms leading the fight to save antibiotics | Anya Vanecek

This Mothers Day, we’re thanking eight mothers working to stop superbugs in their tracks. 

> Keep Reading

Pages

Why do we hate debt collectors? Mistaken identity

You expect to hear from a debt collector when you don't pay your bills. But what do you do when you get calls or letters from a collection agency for a debt you don't owe?

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

Report: Mistaken Identity Tops Debt Collection Complaints

WASHINGTON –Debt collectors trying to collect debt from the wrong person 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 debt collection, the newest category in the database, is already a top source of complaints to the CFPB, outpacing common consumer products such as credit cards and bank accounts.

> Keep Reading

The biggest credit card complaint: your bill

Billing disputes, interest rate issues and fraud concerns are the most frequent complaints filed by credit card users, according to a new report issued this week by the Public Interest Research Group. The consumer advocacy organization examined all 175,000 complaints filed with the Consumer Financial Protection Bureau (CFPB) since it began taking complaints in 2011, including 29,000 filed against credit card issuers, to determine the ranking.

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

Report: Capital One Most-Complained-About Credit Card Company

WASHINGTON – Consumers file more complaints about Capital One than any other credit card company, according to a report released today by U.S. PIRG Education Fund. The report, which looked at data from the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database, also found that consumers in the District of Columbia and Delaware are most likely to file credit card complaints.

> Keep Reading

Federal Consumer Agency Ponders Its Next Crusades

The Consumer Financial Protection Bureau, which has already overcome considerable political resistance, has managed to pack some punches in the last few months on behalf of the purchasing public it represents.[...] Ed Mierzwinski, consumer program director at the United States Public Interest Research Group, said this might be the single most important issue on the agency’s agenda. “The biggest thing we are hoping for in 2014 is to finish or at least make major progress with the arbitration rule and ban forced arbitration in consumer contracts,” he said. “In many of these cases you are ripped off for $10 or $100 each. But millions of consumers are ripped off. That’s why we think it’s a very big deal.”

> Keep Reading

Pages

Blog Post | Consumer Protection

Industry Tries to Toy with our Toy Report | Dev Gowda

It's mid-November, which for the general American population means that pumpkin-spice everything is all the rage, but for U.S. PIRG Education Fund staff, it means that our annual Trouble in Toyland report release is just around the corner. Apparently, the Toy Industry Association is also aware of our upcoming toy safety report.

> Keep Reading
Blog Post | Public Health, Food

America is "getting smart" about antibiotic resistance | Anya Vanecek

Increasingly, we agree on this: antibiotic resistance is a major and growing threat to human and animal health, and we must do something to stop it. 

> Keep Reading
Blog Post | Public Health, Food

Noodles and Co. Leads to Save Antibiotics | Anya Vanecek

This expansion into meatballs, bacon, beef, and all chicken sends a powerful message: Raising livestock and poultry without routine antibiotics is both smart and possible.

> Keep Reading
Blog Post | Consumer Protection

As CFPB Advances Consumer Protection, Attacks on CFPB Escalate | Ed Mierzwinski

This week, the CFPB took a major step toward establishing a regulation restricting the use of forced arbitration clauses in consumer financial contracts, which give companies what the CFPB's director said was a "free pass from being held accountable by their customers." Meanwhile, on Capitol Hill, powerful bank interests escalated their campaign to defund and defang the bureau, because it works for consumers, not them.

> Keep Reading
Blog Post | Consumer Protection

House holds stacked hearing to attack retirement savings rule proposal | Ed Mierzwinski

The House Financial Services Committee is holding a typically stacked hearing -- one consumer-side witness against four Wall Street-backed lobbyists  -- to attack the important retirement savings rule proposed by the Department of Labor. The rule simply requires retirement advisors to put the customer's needs  -- not their own compensation -- first.

> Keep Reading

Pages

View AllRSS Feed

Support Us

Your donation supports U.S. PIRG’s work to stand up for consumers on the issues that matter, especially when powerful interests are blocking progress.

Consumer Alerts

Join our network and stay up to date on our campaigns, get important consumer updates and take action on critical issues.
Optional Member Code