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Blog Post | Consumer Protection

CFPB Report Finds 1 In 4 Consumers Feel "Threatened" By Debt Collector Tactics | Ed Mierzwinski

We joined Consumer Financial Protection Bureau Director Richard Cordray and Washington, DC Attorney General Karl Racine for release of new CFPB data on debt collector abuses. Fully 1 in 4 consumers feel "threatened" by abusive, possibly illegal, debt collector tactics. The release also included an emphasis on problems with the "debt buyer" industry, comprised of firms that buy older, uncollected debt for as little as less than a penny on the dollar.

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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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Blog 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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Blog Post | Consumer Protection

This New Year, Celebrate the CFPB | Ed Mierzwinski

This month, we published our 8th report based on analyzing consumer complaints collected in the CFPB's Public Consumer Complaint Database. The release of "Big Banks, Big Overdraft Fees" provides a good year-end opportunity to summarize a few of the reasons to be thankful for the Consumer Financial Protection Bureau, which took over in July 2011 as the first federal regulator with just one job: protecting consumers from unfair financial practices. The idea of the CFPB needs no defense, only more defenders.

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News Release | Consumer Protection

Yahoo Data Breach Presents Opportunity for Strong Response

Statement by Mike Litt at the U.S. PIRG Education Fund, on the latest announced Yahoo data breach.

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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.

> Keep Reading
News Release | Consumer Protection

Yahoo Data Breach Presents Opportunity for Strong Response

Statement by Mike Litt at the U.S. PIRG Education Fund, on the latest announced Yahoo data breach.

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News Release | U.S. PIRG | Consumer Protection

Consumer Advocates Concerned By Court Ruling Overturning Ban on High-Powered Magnets

We've joined leading consumer and pediatrician organizations in a joint news release with a sharp critique of a U.S. appellate court decision overturning a U.S. Consumer Product Safety Commission ban on the sale of high-powered small magnets (some as small as BBs) that pose a severe ingestion problem for children and youth. As our Trouble In Toyland report released on November 22 pointed out: "Nearly 80 percent of high-powered magnet ingestions require invasive medical intervention, either through an endoscopy, surgery, or both. In comparison, only 10 to 20 percent of other foreign body ingestions require endoscopic intervention and almost none require surgery."

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News Release | Arizona PIRG Education Fund | Consumer Protection

Analysis of Predatory Lending Complaints Reveals Need for Stronger Federal Protections

Consumer complaints about predatory lending to the Consumer Financial Protection Bureau (CFPB) show a critical need for strengthening the agency’s proposed rule to rein in payday loans and other high-cost lending, according to a report by the Arizona PIRG Education Fund.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Consumer Groups Outraged by Utility Rate Increase

Consumer groups are severely concerned about the impact on UniSource Electric residential electric customers, particularly low- and fixed-income customers, from an Arizona Corporation Commission (ACC)-approved rate increase and a 50 percent increase in the mandatory monthly fee or “basic service charge.”

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Result | Democracy

Delivering one million petitions to President Obama on dark money

U.S. PIRG joined a broad coalition to deliver one million petitions from Americans, including U.S. PIRG members and supporters, calling on President Obama to shine a light on dark money, or secret political spending.

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30 years of toy safety

For the past thirty years, our sister organization U.S. PIRG Education Fund has taken a close look at the safety of toys sold in stores. Their reports have led to more than 150 regulatory actions. In November 2015, they released our 30th annual Trouble in Toyland report.

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Result | Democracy

Giving more Americans a greater voice in our elections

In our democracy, the size of your wallet shouldn’t determine the volume of your voice. In 2015, we helped win reforms in Maine and Seattle to ensure that more Americans have a greater say in our elections. Seattle’s Initiative-122 empowers small donors with “democracy vouchers” that can be donated to local candidates and lowers the cap on contributions. In Maine, the state’s Clean Elections Act was improved by strengthening campaign finance disclosure laws and offering qualifying candidates increased public funding.

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Result | Public Health

Convincing McDonald’s and Subway to protect public health

In 2015, bolstered by the support of more than 100,000 members and supporters, we convinced both McDonald’s and Subway to take action to protect public health. In March, just two days after we delivered more than 30,000 petitions to McDonald’s headquarters, the company announced that they would stop serving chicken raised on medically-important antibiotics. And in October, after more than 100,000 called on the chain to take action, Subway announced a similar policy for all the meat they serve.

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Result | Higher Ed

Protecting students from unfair bank fees

We helped win protections for students from unfair fees associated with campus bank accounts. The new rules, released by the U.S. Department of Education, ban some of the worst and most predatory fees that students encounter from banks.

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Report | Arizona PIRG Education Fund | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

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Report | Arizona PIRG Education Fund | Tax

Following the Money 2016

This seventh annual evaluation of state transparency websites finds that states continue to make progress toward comprehensive, one-stop, one-click transparency and accountability for state government spending. In 2015, several states launched new and improved websites to better open the books on public spending, or have adopted new practices to further expand citizens’ access to critical spending information. Several states, however, continue to lag behind. See how Arizona ranks in the report.

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland

For 30 years, the State PIRG’s have conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children. Among the toys surveyed this year, we found potential choking and noise hazards, one toy that exceeded federal toxic standards, and three toys that preliminary testing showed may exceed federal standards.

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Report | Arizona PIRG Education Fund and Citizens for Tax Justice | Tax

Offshore Shell Games 2015

U.S.-based multinational corporations are allowed to play by a different set of rules than small and domestic businesses or individuals when it comes to the tax code. Rather than paying their full share, many multinational corporations use accounting tricks to pretend for tax purposes that a substantial portion of their profits are generated in offshore tax havens, countries with minimal or no taxes where a company’s presence may be as little as a mailbox. Multinational corporations’ use of tax havens allows them to avoid an estimated $90 billion in federal income taxes each year.

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Report | Arizona PIRG Education Fund | Democracy

Boosting the Impact of Small Donors

This report examines how the 2016 presidential race would be reshaped by a public financing system that amplifies the voices of small donors in our elections. The 2016 election will likely break all previous campaign spending records. But more important than the amount of money spent is where that money is coming from. Under our current system, courting wealthy mega-donors – who often have different priorities and policy preferences than most voters – has taken precedence over appealing to everyday Americans.

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Blog Post | Consumer Protection

CFPB Report Finds 1 In 4 Consumers Feel "Threatened" By Debt Collector Tactics | Ed Mierzwinski

We joined Consumer Financial Protection Bureau Director Richard Cordray and Washington, DC Attorney General Karl Racine for release of new CFPB data on debt collector abuses. Fully 1 in 4 consumers feel "threatened" by abusive, possibly illegal, debt collector tactics. The release also included an emphasis on problems with the "debt buyer" industry, comprised of firms that buy older, uncollected debt for as little as less than a penny on the dollar.

> Keep Reading
Blog 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!

> Keep Reading
Blog Post | Consumer Protection

This New Year, Celebrate the CFPB | Ed Mierzwinski

This month, we published our 8th report based on analyzing consumer complaints collected in the CFPB's Public Consumer Complaint Database. The release of "Big Banks, Big Overdraft Fees" provides a good year-end opportunity to summarize a few of the reasons to be thankful for the Consumer Financial Protection Bureau, which took over in July 2011 as the first federal regulator with just one job: protecting consumers from unfair financial practices. The idea of the CFPB needs no defense, only more defenders.

> Keep Reading
Blog Post | Antibiotics

Another (yes, another) reason to stop overusing antibiotics | Matthew Wellington

Researchers from The Ohio State University published a report today about the discovery of E-coli bacteria resistant to the antibiotic carbapenem in an Ohio swine facility. Uh oh.

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Blog Post | Consumer Protection

Consumer Financial Protection Bureau: By the numbers | Kathryn Lee

The Consumer Financial Protection Bureau released a breakdown of their successes they’ve had in the short five-year period they’ve been established. We're very proud to have been a part of building it and defending it; we're also very proud of the many achievements the youthful CFPB has made to make the financial marketplace fairer for consumers.

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Priority Action

We're calling on big restaurant chains to stop the overuse of antibiotics on factory farms. Tell KFC to stop serving meat raised on routine antibiotics.

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