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 27 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 buying safer 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

President Issues Privacy Platform | Ed Mierzwinski

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.

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Blog Post | Consumer Protection

Wall Street Gets Rare House Floor Defeat | Ed Mierzwinski

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.

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

Trouble in Toyland 2014

Among the toys surveyed this year, we found numerous choking hazards and five toys with concentrations of toxics exceeding federal standards. In addition to reporting on potentially hazardous products found in stores in 2014, this installment of the report describes the potential hazards in toys and children’s products.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Survey Finds Dangerous Toys on Store Shelves

Dangerous or toxic toys can still be found on America’s store shelves, according to our 29th annual Trouble in Toyland report. The report reveals the results of laboratory testing on toys for toxic chemicals, including lead, chromium and phthalates, all of which can have serious, adverse health impacts on a child’s development. The survey also found examples of small toys that pose a choking hazard, extremely loud toys that threaten children’s hearing, and powerful toy magnets that can cause serious injury if swallowed.

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Blog Post | Consumer Protection

Black Friday, Cyber Monday and Data Breaches | Ed Mierzwinski

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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News Release | U.S. PIRG | Consumer Protection

Credit CARD Act Saves Consumers $12.6 Billion Annually

Thursday, May 22 is the fifth anniversary of the successful Credit CARD Act, which has saved consumers billions of dollars in unfair credit card fees and interest that were collected based on tricks and traps. U.S. PIRG, and a broad coalition, urge policymakers to extend similar protections to debit and prepaid cards.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Report: Spirit Is Most Complained-About Airline

WASHINGTON – Spirit Airlines passengers are most likely to complain about their experience, according to a report released today by the U.S. PIRG Education Fund. Among major airlines, Spirit generates the most complaints for its size and generates an increasing number of complaints each year. Other most-complained about firms include Frontier Airlines, United Airlines, and American Airlines.

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News Release | U.S. PIRG Education Fund | Food

Consumer Groups Launch National Push for Supermarkets to Label GMOs

Consumers and health advocates launched a national campaign calling on local and regional supermarket chains to label their store-brand products for ingredients derived from genetically modified organisms (GMOs), on the one year anniversary of Whole Foods’ announcement that it will adopt labeling for all products in its stores.

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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?

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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.

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Report | U.S. PIRG | Public Health, Consumer Protection

Total Recall: The Need for CPSC Reform Now

This report explains why Congress needs to enact a strong final law that includes all of these key uncompleted reforms - a new toy standard that requires mandatory safety testing for toys, a ban on toxic phthalates, and whistleblower protections  - while rejecting industry’s eleventh-hour demands to add new and unprecedented limits on state authority to enforce and enact product safety laws.

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Report | U.S. PIRG Education Fund | Consumer Protection, Higher Ed

The Campus Credit Card Trap 2008

This study is an in-person survey of a diverse sample of over 1500 students, primarily single undergraduates, at 40 large and small schools and universities in 14 states around the country conducted between October 2007 and February 2008. It analyzes how students pay for their education, how many use and how they use their credit cards and, finally, their attitudes toward credit card marketing on campus and whether or not they support principles to rein in credit card marketing on campus.

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

Mixed Signals

In an effort to determine America’s preparedness for the transition, the U.S. Public Interest Research Group (PIRG) Education Fund conducted a “secret shopper” survey at 132 locations of five leading national electronics retailers in ten states. The survey found that retail electronic store staff are largely uninformed and are not adequately preparing consumers for the impending transition to digital television.

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

Trouble In Toyland 2007

The 2007 Trouble in Toyland report is the 22nd annual Public Interest Research Group (PIRG) survey of toy safety. This report provides safety guidelines for parents when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards. We visited numerous toy stores and other retailers to find potentially dangerous toys and identify trends in toy safety.

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

Trouble In Toyland 2006

The 2006 Trouble in Toyland report is the 21st annual Public Interest Research Group (PIRG) survey of toy safety. This report provides safety guidelines for parents when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards. This year, we focused on four categories of toys: toys that may pose choking hazards, magnetic toys, toys that are excessively loud, and toys that contain potentially toxic chemicals.

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Blog Post | Consumer Protection

CFPB, FTC Take Separate Actions Against Two Illegal Online Payday "Cash-Grab"Schemes | Ed Mierzwinski

Yesterday the CFPB and FTC announced separate actions against two online payday lenders running essentially the same alleged scam. Both "lenders" collected detailed consumer information from lead generation websites or data brokers, including bank account numbers, then deposited purported payday loans of $200-300 into those accounts electronically, and then collected biweekly finance charges "indefinitely,"

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Blog Post | Consumer Protection

We oppose merger between giants Comcast & Time Warner Cable | Ed Mierzwinski

Along with a number of state PIRGs, we have joined the Consumer Federation of America in a petition to deny the merger of cable/Internet giants Comcast & Time Warner Cable. The petition argues that the FCC must deny the merger, which would perpetuate unrestrained cable price increases, allow terrible service to deteriorate further and stifle innovation.

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Blog Post | Consumer Protection

Wall Street launches "pants-on-fire" attack on CFPB | Ed Mierzwinski

The Financial Services Roundtable, a powerful Wall Street lobby that spends millions of dollars annually lobbying on behalf of its big Wall Street bank members has launched a deceptive social media campaign against expansion of the CFPB's successful public consumer complaint database. And like much of what you read on the Internet, most of what they say simply isn't true.

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Blog Post | Consumer Protection

The CFPB at Three: A Child Prodigy | Ed Mierzwinski

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

The CFPB at Three: A Child Prodigy | Ed Mierzwinski

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

> Keep Reading

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