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

TexPIRG’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, TexPIRG’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, TexPIRG 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

News Release | TexPIRG | Consumer Protection

1 in 10 surveyed daycares still using deadly, recalled infant sleepers

Three months after nearly 5.4 million infant sleepers were recalled for causing 36 infant deaths, a new survey by the U.S. Public Interest Research Group Education (U.S. PIRG) and Kids in Danger (KID) revealed that many child care facilities continue to use these dangerous inclined sleepers. The survey began after PIRG Consumer Watchdog Adam Garber discovered that his own son’s daycare in Philadelphia was using the recalled products.

“Every day, millions of parents drop their kids off, assuming their daycares have the information they need to keep their kids safe,” said Garber. “This failed recall is a wakeup call that our current system leaves too many infants at risk from these dangerous sleepers.”

U.S. PIRG and KID blamed the situation on confusing messages about the recall. Initially, a consumer warning for the Fisher-Price Rock ‘n Play on April 4th linked deaths to infant rollovers, leading some parents and facilities to conclude that proper use would keep babies safe. But a more complete analysis revealed some deaths occurred when the child was buckled in, leading the company and the U.S. Consumer Product Safety Commission (CPSC) to fully recall the 4.7 million Rock ‘n Play sleepers soon after on April 14. On April 26, nearly 700,000 units of the Kids II Rocking Sleeper were recalled.

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

Largest bank hack ever, of Capital One, exposes 100 million to identity theft

Everyone should assume that their social security number has been exposed between this breach and breaches of other major companies’ databases, such as Equifax’s. With that in mind, U.S. PIRG recommends all Americans should use their right by law to freeze their credit reports for free

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection, Financial Reform

Equifax penalty is a “sweetheart deal” that leaves consumers at risk

Our response to Equifax paying a $650 million penalty for exposing the social security numbers of 148 million Americans to identity theft.

> Keep Reading
Blog Post | Consumer Protection

Letter to Gov. Abbott: Sign SB1264 | Bay Scoggin

Today, TexPIRG asked the Governor to get SB1264 off his desk and into law, protecting consumers with non-federal health plans from ever having to deal with surprise medical bills again. Check out what we had to say.

> Keep Reading
Blog Post | Consumer Protection

State PIRGs go to Washington for Consumer Lobby Day

Members of Congress hear repeatedly from lobbyists for corporate special interests in their offices and at fundraisers. How can consumer advocates balance the scales?

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News Release | U.S. PIRG Education Fund | Consumer Protection

32nd Annual “Trouble in Toyland” Survey Finds Dangerous Toys on Store Shelves

Stores nationwide are still offering dangerous and toxic toys this holiday season and, in some cases, ignoring explicit government safety regulations in the process, according to U.S. Public Interest Research Group (PIRG) Education Fund’s 32nd annual Trouble in Toyland report. The survey of potentially hazardous toys found that, despite recent progress, consumers must still be wary when shopping for children’s gifts.

 

 

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News Release | U.S. PIRG Education Fund | Consumer Protection

Target Removes Lead-Laden Fidget Spinner From Website, But Still Available For Sale In-Store

Since late yesterday afternoon, Target appears to have made the 33,000 ppm-lead containing Fidget Wild Premium Spinner Brass unavailable for sale on its website. U.S. PIRG Education Fund staff went to a Target store today and found the Fidget Wild Premium Spinner Brass was still available for sale in-store, despite the website saying it was unavailable there. Also yesterday, one of the CPSC’s Commissioners, Elliot F. Kaye, re-stated his opposition to the CPSC’s guidance and the acting chairman's statement when he tweeted, “Seems obvious fidget spinners are toys and should comply with all applicable federal safety standards.”

> Keep Reading
News Release | Consumer Protection

U.S. PIRG CONSUMER ADVOCATE MIKE LITT TESTIFIES AT CONGRESSIONAL HEARING ON EQUIFAX

Our Consumer Advocate, Mike Litt, was invited by Congresswoman Maxine Waters, Ranking Member of the House Financial Services Committee, to testify this week at a Congressional hearing on the Equifax data breach. This was a continuation of the committee's previously held hearing on October 5th entitled "Examining the Equifax Data Breach."

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California’s new drug price law is a win for consumers nationwide

Today, California Governor Jerry Brown signed Senate Bill 17 into law, a groundbreaking measure to increase transparency and accountability for the prescription drug industry. We celebrate the new law—passed with support and hard work from CALPIRG—as a landmark victory for consumers, not just in California, but nationwide.

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Statement on Walmart’s Decision to Strengthen Chemical Footprint Policy

TexPIRG applauds retail giant Walmart for updating its sustainability policy to restrict toxic chemicals in 90,000 products including cosmetics and skincare items, infant products, and household cleaners.

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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.

> Keep Reading
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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Blog Post | Consumer Protection

CFPB Begins Payday Regulation Push In Richmond | Ed Mierzwinski

We joined the CFPB in Richmond Thursday for a field hearing on a proposed rule to regulate payday lending and similar high-cost short-term loans. The CFPB's draft rule is comprehensive, covering a variety of loans, but it contains potential loopholes that we and other advocates will urge the bureau to close before it finalizes this important effort. Here's a short blog with some photos from Richmond.

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Blog Post | Consumer Protection

CFPB Adds Consumer Stories to Public Complaint Database | Ed Mierzwinski

Today, the CFPB took a step to make its excellent public database of consumer complaints even better, by adding complaint narratives (stories), but only with the consumer's consent. It's a step we've long urged. It will enrich our research into the marketplace, help consumers make choices and help good-actor firms avoid bad practices by others.

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Blog Post | Consumer Protection

As House Holds Oversight Hearing, 340 Groups Call For Defense of CFPB | Ed Mierzwinski

Today, Consumer Financial Protection Bureau Director Richard Cordray will present the CFPB's sixth semi-annual report to the House Financial Services Committee, whose majority members have been harsh critics of the successful consumer agency. Americans for Financial Reform, joined by the state PIRGs and a total of 340 national, state and local groups, sent Congress a letter explaining why the idea of the CFPB needs no defense, only more defenders.

> Keep Reading

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Blog Post

Until recently, I did not have estate and end-of-life planning in mind, but it was the natural next step in my quest to be a responsible adult, with a nudge from the existential threat of the COVID-19 pandemic.

Blog Post

Advance directives are legal instructions that include a living will (different from a regular will) and a health care proxy. In them, you state what treatments you do or don’t want at the end of your life and who you want making health care decisions for you if you can’t. 

Blog Post

Before listening to In Case You Get Hit By a Bus, I didn’t know about insurance that covers the costs of long-term care, such as home health care or nursing home care, for people who need assistance with daily living activities. 

Blog Post

Getting my finances in order has been a work in progress over several years, starting with tackling credit card debt, paying off my car loan and then building an emergency fund. 

After clearing those hurdles, I set more defined financial goals and plans in motion this year, including automatic deposits into new investment accounts.

News Release | U.S. PIRG

Rohit Chopra will be the new director of the Consumer Financial Protection Bureau (CFPB). By a vote of 50-48 on Thursday, the Senate confirmed that the Federal Trade Commission (FTC) commissioner will take on the top position at the CFPB. 

Mike Litt, U.S. PIRG’s consumer campaign director, issued the following statement.

Consumer Protection

The FCC is starting to fight back against robocalls

Research found that, despite the FCC's recent action, phone companies aren't doing enough to block spoofed calls and scam calls, despite a new law.

 

Consumer Protection

'Trouble in Toyland' report helps parents avoid potential toy hazards

TexPIRG Education Fund has released its annual "Trouble in Toyland" report to help identify potentially dangerous toys as many Americans begin gift shopping for the holiday season. This year poses an extra challenge to the many parents working from home during the pandemic while trying to keep kids of multiple ages busy with safe activities.

 

Consumer Protection

Auto Loan Complaints Rise

A review of complaints to the Consumer Financial Protection Bureau’s (CFPB) Consumer Complaint Database reveals a sharp spike in consumer complaints about auto purchasing, leasing and finance since the beginning of the pandemic.

 

Consumer Protection

As the pandemic goes on, consumer complaints continue at a record pace

A U.S. PIRG Education Fund analysis has found that since March 2020, public consumer complaints at the federal Consumer Financial Protection Bureau have skyrocketed, setting a new monthly record each month. During this period, one in five complaints concerning mortgages, student loans or vehicle financing has mentioned the coronavirus crisis.

 
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