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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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Statement on Procter & Gamble’s New Preservative Tracker in Personal Care Products

Personal care product giant Procter & Gamble (P&G) recently unveiled a new preservative tracker, which lets consumers know which preservatives are included in various categories of P&G’s products, such as baby wipes, skin care, and hair care products. Consumers can search the tracker by ingredient or by product type.

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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay, Transportation

Framework for VW Settlement Announced

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on todays announced VW settlement. For more details on what a strong settlement agreement ought to look like, please see the open letter that we released earlier this week with other consumer and environmental groups.

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News Release | U.S. PIRG | Public Health, Food

Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics

Taco Bell will no longer serve chicken raised on medically important antibiotics in U.S. locations starting in 2017. The announcement was included in a release from Taco Bell’s parent company Yum! Brands, and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry. Taco Bell’s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well. 

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay

Leading Groups Send Criteria for Evaluating VW Settlement

Four leading consumer, environmental, and public health organizations wrote an open letter in advance of the April 21st deadline set by U.S. District Judge Charles R. Breyer for a proposal that deals with Volkswagen’s emission scandal.

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News Release | Budget

NEW REPORT: Texas Comptroller’s Office Receives "A-" in Annual Report on Transparency of Government Spending

Texas Comptroller’s office received an A- when it comes to government spending transparency, according to “Following the Money 2016: How the 50 States Rate in Providing Online Access to Government Spending Data,” the seventh annual report of its kind by Texas Public Interest Research Group Education Fund.

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Report | TexPIRG Education Fund | Consumer Protection

Debt Collectors, Debt Complaints

This is the fifth in a series of reports that review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints about debt collection, with the aim of uncovering patterns in the problems consumers are experiencing with debt collectors and documenting the role of the CFPB in helping consumers successfully resolve their complaints.

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Report | TexPIRG Education Fund | Transportation

A New Course

Universities and colleges across the country are taking steps to encourage their communities, students, faculty and staff to decrease their reliance on personal vehicles. These efforts are working well – saving money for universities, improving the quality of life in college towns, and giving today’s students experience in living life without depending on a personal car.

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Report | TexPIRG | Tax

Closing the Billion Dollar Loophole

Every year, corporations use complicated gimmicks to shift U.S. earnings to subsidiaries in offshore tax havens—countries with minimal or no taxes—in order to reduce their state and federal income tax liability by billions of dollars. Tax haven abusers benefit from America’s markets, public infrastructure, educated workforce, security and rule of law—all supported in one way or another by tax dollars. But they use tax havens to escape supporting these public structures and benefits.

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Report | TexPIRG Education Fund | Higher Ed

FIXING THE BROKEN TEXTBOOK MARKET

The cost of college textbooks has skyrocketed in recent years. To students and families already struggling to afford high tuition and fees, an additional $1,200 per year on books and supplies can be the breaking point.
 
As publishers keep costs high by pumping out new editions and selling books bundled with software, students are forced to forgo book purchases or otherwise undermine their academic progress.

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Report | TexPIRG Education Fund | Consumer Protection

Credit Cards, Consumer Complaints

In this report we explore consumer complaints about credit cards with the aim of uncovering patterns in the problems consumers are experiencing with their credit cards and documenting the role of the CFPB in helping consumers successfully resolve their complaints.

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Blog Post | Transportation

Don’t Believe the Hype – Millennials’ Transportation Habits Are Changing | Sean Doyle

Despite news stories claiming that Millennials are buying up cars at record rates, the reality is quite different. After adjusting previous studies to account for differences in the size of the generations measured, on a per-capita basis, Millennials are 29 percent less likely than members of Generation X to own a car.

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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.

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Blog Post | Transportation

All Americans Deserve Clean Air to Breathe, On Earth Day and Every Day | Sean Doyle

U.S. DOT asks if we should measure global warming pollution from transportation.

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Video Blog | Consumer Protection

John Oliver Takes Aim At Credit Reports In 'Last Week Tonight'

Last Week Tonight with John Oliver explained how credit reports play a surprisingly large role in our lives, but even more surprising is how often they contain critical mistakes. John Oliver helps credit bureaus see why this is a problem – and that Judy still hasn’t been able to resolve her mixed up identity.

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Blog 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.

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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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