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News Release | U.S. PIRG | Financial Reform

CFPB Taps Former Pentagon Legal Official to Head Office of Servicemember Affairs

We join National Consumer Law Center, Americans for Financial Reform and other leading groups in a release commending the appointment of senior Pentagon official Colonel Paul Kantwill (U.S. Army, Retired) to lead the Consumer Financial Protection Bureau’s (CFPB) Office of Servicemember Affairs. The CFPB plays an important role in protecting servicemembers, veterans and their families from financial predators.

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News Post | Financial Reform

CFPB Slams Two Credit Bureaus For Deceptive Marketing, Expect Experian Next | Ed Mierzwinski

This week, the Consumer Financial Protection Bureau nailed two "big 3" credit bureaus --Trans Union and Equifax -- for deceptive marketing of their over-priced, under-performing credit monitoring subscription products.  Combined fines and consumer restitution total $23 million. I predict that the CFPB will also bring a case against the remaining bureau, Experian, and that it will pay much more, because Experian really has led the way in aggressively marketing these tawdry products. They don't prevent identity theft, nor do they always accurately disclose your credit score, at fees of up to $16.95/month or more. Yikes!

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News Release | U.S. PIRG | Consumer Protection

Consumer Bureau Under Attack

Statement by Mike Litt, Consumer Advocate, at U.S. PIRG about expected attacks against the Consumer Bureau in the 115th Congress.

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News Post | Consumer Protection

Guest post: To President-elect Trump: What if Everything You’ve Been Told about the DOL Fiduciary Rule is Wrong?

With the DOL fiduciary rule already delivering real benefits to retirement savers, will the Trump administration give in to special interest pressure and snatch those benefits away?

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News Post | Consumer Protection

U.S. SUPREME COURT TO DECIDE WHETHER CREDIT CARD COMPANIES CAN CONTINUE TO OBSCURE THE TRUE COST OF CREDIT | Michael Landis

Credit cards are convenient. But using them is expensive. The problem is that most consumers don’t know just how expensive it is. That might change in some states after the U.S. Supreme Court weighs in on a case currently pending before it.

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

New Polls Show Overwhelming Support for Fighting Big Money in Elections

Two new polls by Bloomberg Politics and MAYDAY.US reveal broad, bipartisan support for reforming our campaign finance system. Bloomberg’s poll, released on September 28, revealed support among 78 percent of Americans for overturning Citizens United. A poll released September 25 by MAYDAY.US found that 72 percent of Democrats and 62 percent of Republicans support programs that match small donor contributions with public funds.

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News Release | U.S. PIRG | Democracy

CT Lawmakers Drop Cuts to Clean Election Program Following Public Backlash

On Thursday, Connecticut lawmakers dropped budget proposals that would eliminate the state’s Citizens’ Election Program. U.S. PIRG and state affiliate ConnPIRG called on state lawmakers to drop the proposed cuts and mobilized constituents to oppose the program’s elimination.

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

New Study: Small Donor Matching Program Would Incentivize Shift in 2016 Presidential Fundraising Strategies

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 Education Fund

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News Release | U.S. PIRG | Public Health

Medical Professionals Call for Action to Save Antibiotics

Nearly six hundred medical and health care professionals from across the nation are calling on major restaurant chains to set strong antibiotics policies that protect public health.

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News Release | U.S. PIRG | Democracy

U.S. PIRG Calls on Conn. Lawmakers to Withdraw Proposed Rollback

On Tuesday, U.S. PIRG and state affiliate ConnPIRG called on Connecticut lawmakers to withdrawal proposals cutting funding for the state’s Citizens’ Election Program.

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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.

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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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Report | U.S. PIRG | Democracy

Dirty Dollars, Dirty Air

This report documents the influence of the auto and oil industry on public policy and debates surrounding the control of pollution that causes smog, soot and global warming. It tracks the amount of campaign contributions made by the 164 largest companies in the automobile and oil industries and how those contributions influenced members of Congress on clean air issues.

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Report | U.S. PIRG Education Fund | Democracy

Pushing The Limit

At least five proposals to increase limits on contributions by individuals to congressional candidates -- either as stand-alone measures or as part of a package of campaign finance measures -- have been floated by important political groups and individuals in the past year. The following paper analyzes the likely impact of these proposals on which candidates get elected and on the power of wealthy interests vs. the general public in governmental decision making.

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Report | U.S. PIRG | Consumer Protection

ATM: Always Taking Money

This PIRG national survey, done in March 1999, compares surcharging practices at 336 banks and 31 credit unions to the results of PIRG's spring 1998 report, "Big Banks, Bigger ATM Fees."

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News Post | Public Health

House's New Target: All Health, Safety, Financial Protections | Ed Mierzwinski

Following their embarrassment a few weeks ago when a vote on Wall Street rollbacks using "name that post office" procedures failed, the good news is that House leaders are taking a hiatus from attacking financial reform directly this week. The bad news: instead, the House plans to move two proposals placing roadblocks in front of any agency -- from FDA and EPA to the CFPB -- seeking to establish public health, safety or financial safeguards. We're on the case.

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News Post | Financial Reform

Banks, debt collectors lead backdoor effort to robocall your cell phone! | Ed Mierzwinski

Banks and debt collectors are leading a phalanx of powerful special interests seeking backdoor action to weaken the consumer protection law that prevent robocalls to your cell phone without your consent. We've joined other consumer and privacy leaders, and senators led by Ed Markey (MA), to stop them.

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News Post | Consumer Protection

UK's "CFPB" Nails Big Brit Banks for Unfair Credit Card Add-on Fees | Ed Mierzwinski

Emulating the U.S. Consumer Financial Protection Bureau, London's Financial Conduct Authority has ordered 11 big UK banks, including a Capital One subsidiary, to return "hundreds of millions of pounds" to consumers over "mis-selling" of unnecessary "card security" insurance that duplicates protection by law. In the psat two years, the CFPB has ordered $1.5 billion in refunds to U.S. consumers duped by similar add-on subscription products. The products were sold by a Stamford, CT based "loyalty club" marketer, Affinion, that has been the subject of enforcement actions by a number of U.S. state attorneys general.

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News Post | Budget, Tax

New year, fresh start: Congress’s Do’s and Don’ts | Jaimie Woo

Another year has come and gone, and 2015 presents an opportunity to start fresh. With that in mind, it’s time for the newly minted 114th Congress to make the right choices for the public’s interest in its New Year’s resolutions, and making the tax code fairer is a good place to start. 

“Tax reform.” Perhaps you hear these words and your eyes gloss over. It’s long been talked about, but hardly any progress made on the issue in nearly 30 years. However, both the president and Republican Congressional leaders have said they’re willing to make headway by reforming the corporate tax code. Here is a short list of Do’s and Don’ts that puts the public interest first and should form the basis of any agreement:

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News 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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DEFEND THE CFPB

Tell your senators to oppose the “Financial CHOICE Act,” which would gut Wall Street reforms and destroy the Consumer Financial Protection Bureau as we know it.

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