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Report | TexPIRG | Financial Reform

Big Banks, Bigger Fees

Since Congress largely deregulated consumer deposit (checking and savings) accounts beginning in the early 1980s, the PIRGs have tracked bank deposit account fee changes and documented the banks’ long-term strategy to raise fees, invent new fees and make it harder to avoid fees.

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Report | TexPIRG | Tax

Tax Shell Game

Tax havens are countries with minimal or no taxes, to which U.S.-based multinational firms or individuals transfer their earnings to avoid paying taxes in the United States. Users of tax havens benefit from access to America’s markets, workforce, infrastructure and security, but pay little or nothing for it—violating the basic fairness of the tax system. Abuse of tax havens inflicts a price on other American taxpayers, who must pay higher taxes—now or in the future—to cover the government’s revenue shortfall, or must deal with cuts in government services.

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News Release | TexPIRG | Financial Reform

New Survey Shows Banks Still Hiding Fees from Consumers

A survey of more than 500 bank branches released today by the Texas Public Interest Research Group 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.

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Report | TexPIRG | Health Care

Building a Better Health Care Marketplace

Policy Brief #4: Ensuring Exchange Stability and Protecting Against Adverse Selection: The idea of creating health insurance purchasing pools, like those called for in the Affordable Care Act, is not a new one. In the past, many states have experimented with creating such pools, and their experience has shown that mechanisms like the exchange can succeed at improving choice and holding down costs.

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News Release | TexPIRG | Transportation

Gov. Perry Touts Property Rights Legislation that Provides No Meaningful Reform

While House members were debating the appropriations bill on Thursday, Governor Rick Perry was holding a press conference to urge state  legislators to swiftly pass SB 18, property rights legislation which the governor declared an emergency. While the governor and some lawmakers are claiming SB 18 protects landowners, critics of the legislation say the bill is full of loopholes and excessive legalese yielding most protections virtually meaningless.

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