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

Media Hit | Public Health, Food

Louisville Courier Journal - KFC Should End Use of Antibiotics

KFC recently announced a “Re-Colonelization” of its food, but missed an important piece of the puzzle — it has not committed to serving meat raised without the routine use of antibiotics.

> Keep Reading
News Post | Consumer Protection

Time To Defend CFPB as Senate Banking Committee Aims Sights at It | Ed Mierzwinski

UPDATED 12 April: The Senate Banking Committee held a stacked hearing on "Assessing Consumer Regulations" yesterday (5 April), although our one pro-consumer witness and pro-CFPB Senators defended consumer protection ably as three industry-backed witnesses and their supporters on the committee had a great deal of trouble proving their case that the CFPB should be dismantled. Tomorrow morning, (7 April) CFPB Director Richard Cordray will present the statutory "Semi-Annual Report of the CFPB" to the committee. We submitted a statement to be entered into the hearing record, as did other Americans for Financial Reform coalition members.

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

The Department of Labor Fiduciary Rule for Investment Advice

U.S. PIRG federal legislative director Jerry Slominski on The Release of the Department of Labor Fiduciary Rule for Investment Advice

> Keep Reading
News Post | Consumer Protection

What is payday lending? | Kathryn Lee

We are a leading member of Americans for Financial Reform, a coalition that was instrumental in the creation of the Consumer Financial Protection Bureau (CFPB) by Congress in 2010. The CFPB is currently working on a rule to reign in the payday lending industry. We, along with AFR, are working to make sure the  

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News Post | Consumer Protection

Lowering your APR might be easier than you think | Kathryn Lee

Many Americans are walking around with a balance on their credit card because of high interest rates, or annual percentage rate (APR) charges for unpaid balances. It's best to pay off your balance in full but if you don't or can't, a higher APR makes your debit grow faster. What most people don’t realize is this APR can be negotiated to a lower rate.

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Fox Business: Consumer Watchdog Gives Bite to Dodd-Frank

"The CFPB has been enormously successful in ramping up over its first year," says Ed Mierzwinski, consumer program director at the Federation of State Public Interest Research Groups in Washington, D.C.

> Keep Reading
News Release | U.S. PIRG | Food

SENATE TO VOTE ON FARM BILL AND GIVEAWAYS TO BIG AG

U.S. PIRG is disappointed in the Senate’s approval of the 2012 Farm Bill, which will send tens of billions of taxpayer dollars to Big Ag. Nasima Hossain, U.S. PIRG public health advocate, releases statement on the Senate Vote today on the 2012 Farm Bil.

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NYTimes Editorial: Debit Cards on Campus

According to a study by the United States Public Interest Research Group Education Fund, an advocacy organization, nearly 900 colleges and universities have card relationships with banks or other financial institutions, some of which manage student aid disbursements by turning student IDs into debit cards.

> Keep Reading
News Release | U.S. PIRG | Food

Flawed Farm Bill Heads Toward Senate Floor

The Senate is moving to vote on the farm bill, S.3240, that would continue the current system of agricultural subsidies to large, profitable, agribusiness. Taxpayers’ hard earned dollars will be handed out needlessly in the billions.

> Keep Reading
News Release | U.S. PIRG | Food

Senate Committee Approves New Taxpayer Giveaways to Big Ag

The Senate Agriculture Committee’s proposed Farm Bill would entrench taxpayer handouts to large agribusinesses and underwrite junk food ingredients

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News Post | Consumer Protection

Senator McConnell says we shouldn't have a CFPB at all | Ed Mierzwinski

Senator Mitch McConnell (KY) told Wall Street and other bankers yesterday that "If I had my way, we wouldn't have the [Consumer Financial Protection Bureau] at all." Here's a list of some of the protections the rest of us -- consumers, veterans, students, and seniors -- wouldn't have at all if McConnell and Wall Street had their way and we didn't have a  CFPB at all.

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News Post | Consumer Protection

Time to break up the big banks? | Ed Mierzwinski

"Too big to fail, too big to jail." For far too long, that's been the government's attitude toward Wall Street banks. Regulators refuse to hold banks accountable both out of fear of Wall Street's political clout and also a misplaced perception that real enforcement might hurt the economy, even though a lack of enforcement recently wrecked it. But things are changing.

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News Post | Consumer Protection

Senators Hold CFPB Director Hostage, Roil Markets | Ed Mierzwinski

On Friday, most Senate Republicans again sent the President a letter saying they would not confirm Richard Cordray to a full term as CFPB director unless the agency's powers and independence were first gutted. Their intransigence contributes to market uncertainty that ignores at least three things: The CFPB is here to stay; the public wants the CFPB; and, banks lose to payday lenders if the director is not confirmed.

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News Post | Consumer Protection

Will Consumers Face Credit Card Surcharges? No. | Ed Mierzwinski

On behalf of the big banks, the credit card companies Visa and Mastercard charge unfair fees to merchants. Some are speculating that as a result of a court settlement over these "swipe fees" that consumers will end up paying more when they make a credit card purchase. We don't think surcharging will spread. Here's why.

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News Post | Consumer Protection

Current and former Fed officials urge greater efforts against risky big bank practices | Ed Mierzwinski

In the past week, two leading Fed officials issued stark warnings against risky practices of the big banks and called for greater oversight. Both Professor Alan Blinder, a former vice-chair of the Federal Reserve, and Richard Fisher, the current Dallas Fed president, called for solutions that match U.S. PIRG's reform platform.

> Keep Reading

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