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How Companies Turn Your Facebook Activity Into a Credit Score

This story in The Nation explains our work challenging the way data brokers use "black box," or secret, algorithms to make scoring decisions that may violate the law and deny credit opportunities. This work was also the subject of our recent livestream event featuring Professor Frank Pasquale and his new book, "The Black Box Society." We've now posted an archive of that event, in 3 chapters on our Youtube page.

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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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Report | TexPIRG Education Fund | Transportation

Who Pays for the Road

Many Americans believe – erroneously – that the money they pay in gasoline taxes and other “user fees” covers the cost of building and maintaining our streets and highways. In fact, local roads and bridges are almost always paid for through local property taxes, while the share of the nation’s highway construction and repair bill paid by gas taxes has been dwindling over time. Since 2008, the federal government has diverted $52 billion in general tax revenue to the Highway Trust Fund – more than the nation has spent to subsidize Amtrak in its entire 42-year history.

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News Release | U.S. PIRG | Consumer Protection

PIRG Commends Supporters of Duckworth Amendment to Protect Our Troops From High-Cost Loans

Last night, on a 32-30 bipartisan vote, the House Armed Services Committee supported the Tammy Duckworth (IL) amendment to strike language from the National Defense Authorization Act that would have delayed Pentagon-proposed improvements to the Military Lending Act of 2007. It's a critical victory for servicemembers, veterans and their families, although the fight to protect our troops from high-cost loans will continue.

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Blog Post | Consumer Protection

U.S. House Considers Delay To Financial Protections for Servicemembers, Veterans | Ed Mierzwinski

(UPDATED 30 April): Last year the Department of Defense proposed needed improvements to the 2007 Military Lending Act, since high-cost lenders were exploiting loopholes to evade the law's 36% APR cap on loans to servicemembers to make loans at 400% APR or more, harming military families and threatening unit preparedness to defend the nation. Now, days before a committee vote, predatory lenders have succeeded in convincing House Armed Services Committee leaders to insert language into the National Defense Authorization Act that would delay the DoD regulations up to a year while needless, redundant studies are prepared. Only in Washington.

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News Release | TexPIRG | Financial Reform

Big Banks Cash In On Unemployment

The coalition Americans for Financial Reform, released the following statement on Friday concerning the practice of big banks, like Citi, Wells Fargo, JPMorgan Chase, and Bank of America, of fleecing the unemployed through their debit cards.

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News Release | TexPIRG | Transportation

TxDOT Executive Director admits private toll road deals cost taxpayers more money than publicly owned and operated roads

The Senate Committee on Transportation and Homeland Security and the House Committee on Transportation held a joint hearing yesterday to discuss Texas’ transportation funding crisis. State legislators grilled TxDOT officials on the agency’s operations and financial calculations, questioning them in detail about the costs of private toll roads to taxpayers, the role of local government in transportation planning, and the need for ongoing, stable sources of funding.

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News Release | TexPIRG | Transportation

Public Transportation Projects Create More Jobs

Stimulus money invested in public transportation projects created twice as many jobs as highway projects, according to a new report released today by TexPIRG, in conjunction with the Center for Neighborhood Technology and Smart Growth America.

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News Release | TexPIRG | Transportation

Despite New TV Ads, Kay Bailey Hutchison’s Transportation Plan Revives the Trans Texas Corridor

Despite releasing new television ads today that promise to kill Governor Perry’s unpopular Trans Texas Corridor (TTC) project forever, Kay Bailey Hutchison’s own transportation plan actually revives the Governor’s swath of privatized toll roads anchored by public-private partnerships (PPPS), otherwise known as Comprehensive Development Agreements (CDAs).

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News Release | TexPIRG | Transportation

TexPIRG calls for an end to taxpayer subsidies for road privatization

This letter regards proposed changes [outlined in Docket No. FHWA-2009-0123] to the Transportation Infrastructure Finance and Innovation Act (TIFIA), a program of the United States Department of Transportation (U.S. DOT).

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