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

Blog Post | Public Health, Consumer Protection

How safe is our food? Not safe enough, says PIRG Consumer Watchdog team, and it's trending in the wrong direction

Unsafe food recalls in the U.S. are trending the wrong way. From 2013 to 2017, they rose 10 percent overall, and a whopping 83 percent for the most hazardous meat and poultry recalls.

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

Fiat Chrysler Settlement Fails to Protect Consumers

While we are glad that Fiat Chrysler is paying something for damaging the health of Americans and deceiving customers, this settlement does not go far enough. It neither ensures these violations of the public trust won’t happen again nor makes consumers whole.

> Keep Reading
Report | TexPIRG | Consumer Protection

Fixed for the Holidays

Why Shop Refurbished?

Black Friday prices year-round: You can usually find great deals on used electronics, getting something that’s like-new, but for a sizable discount. Technically, the minute you open a new device, it becomes used, so the difference between a used and new item can be negligible. You can get an item that’s close to new at prices lower than Black Friday deals.

> Keep Reading
News Release | TexPIRG | Consumer Protection

New Guide Helps Consumers Get Great Deals on Refurbished Electronics

This holiday season, you can pay even less than you would on Black Friday for electronics, if you buy them used and refurbished. “Fixed for the Holidays” helps consumers purchase used items with confidence -- detailing what to buy, how to know if you are getting a good deal and where to shop.

“Not only can you save 20 percent or more by shopping refurbished, buying used products is better for the environment and cuts waste,” added Bay Scoggin, TexPIRG Director. “It’s a win-win for the person getting the electronics and his or her community.”

Our guide, published at www.TexPIRG.org/feature/usp/fixed-for-the-holidays has tips that help consumers buy refurbished products.

> Keep Reading

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News Release | U.S. PIRG | Consumer Protection

U.S. PIRG response to reports of Facebook security breach

Facebook announced today that earlier this week, "attackers exploited a vulnerability in Facebook’s code that impacted “View As”, a feature that lets people see what their own profile looks like to someone else. This allowed them to steal Facebook access tokens which they could then use to take over people’s accounts."

> Keep Reading
News Release | TexPIRG | Consumer Protection

TexPIRG Recommends Credit Freezes, Now Free for All By Law

A new federal law eliminates fees for getting and removing credit freezes in Texas and across the country at the three nationwide credit bureaus on September 21st. The consumer advocacy group TexPIRG recommends getting credit freezes, not the similar locks offered by the bureaus, to prevent new account identity theft.

 

In 2003, TexPIRG led the effort in the Texas legislature to pass one of the nation's first laws creating security freezes. However, the law required consumers to pay $10 per freeze per credit bureau, for a total of $30. In the 2017 Equifax data breach, Attorney General Ken Paxton says that 12 million Texans had their information stolen.

"It’s about time the credit bureaus stopped charging us for the right to control our own information. We didn’t give them permission to collect or sell our information in the first place," said Bay Scoggin, TexPIRG’s State Director

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

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

Congress Affirms Need to Stop Debt Trap; Mick Mulvaney Should Follow Suit

Here is our statement on Congress allowing the deadline to pass without repealing the Consumer Financial Protection Bureau's payday lending rule.

> Keep Reading
News Release | US PIRG Education Fund | Consumer Protection

CONSUMER GUIDE RELEASED FOR VALENTINE'S DAY: RESEARCH SHOWS SOME LIPSTICKS CONTAIN HARMFUL CHEMICALS

We should be able to trust that the products we buy are safe — especially ones our families use every day, applied directly to our lips. However, today U.S. PIRG Education Fund released a consumer guide entitled “Kiss Off,” which contains examples of lipsticks, lip balms, and children’s lip products which contain ingredients linked to cancer, hormone disruption, and reproductive problems. Popular brands such as Maybelline, L'Oréal, and ChapStick made the list.

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Report | TexPIRG | Consumer Protection

Why You Should Get a Security Freeze before Your Information is Stolen

If and when someone does steal enough of your information to commit any form of identity theft (new account financial identity theft, theft of medical services, theft of tax refunds, etc.) there is really only one type of identity theft that you can stop before it happens: New account identity theft, where someone opens a new account in your name.

> Keep Reading
Report | TexPIRG Education Fund | Consumer Protection

Trouble in Toyland 2014

Among the toys surveyed this year, we found numerous choking hazards and five toys with concentrations of toxics exceeding federal standards. In addition to reporting on potentially hazardous products found in stores in 2014, this installment of the report describes the potential hazards in toys and children’s products.

> Keep Reading
Report | TexPIRG Education Fund | Consumer Protection

The Unfriendly Skies

It seems as if every consumer has an airline problem story—how they were trapped on the tarmac, tricked by fees, missed their connection, or lost their bag. What many consumers don’t know is that they have a number of new rights as well as a right to complain, both to the airline and to the government. This report tracks five years of consumer complaints and highlights which airlines received the most complaints and what kinds of complaints were most common.

> Keep Reading
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.

> Keep Reading
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.

> Keep Reading

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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 | 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 | Consumer Protection

Addicted to Hand Sanitizer: A Wells Fargo Scandal Update | Ed Mierzwinski

More questions continue to be raised about the Wells Fargo scandal. When did it really start- 2013, 2011 or 2005? What did execs know and when did they know it? How many frontline employees were fired because they complained as whistleblowers? Does setting up a fake account constitute criminal identity theft? Should deposed chairman and CEO John Stumpf go to jail? If the culture was pure, how did a frontline worker get "addicted to (drinking) hand sanitizer? Should he pay back more bonus compensation? Here's a flyaround of some of what's going on. By the way, did you know that even the Better Business Bureau has thrown Wells out?

> Keep Reading
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.

> Keep Reading
Blog Post | Consumer Protection

Will Wells Fargo CEO Tell Senate "No Clawbacks" of Exec's Golden Parachute? | Ed Mierzwinski

Wells Fargo CEO John Stumpf goes before the Senate Banking Committee Tuesday (9/20) to explain the recent $185 million in combined civil penalties by the CFPB and other regulators over a sales goals incentive scandal that led to employees opening some 2 million fake, secret accounts without the knowledge of customers. How will he respond to the growing public clamor for a clawback of bonuses paid his top retail executive Carrie Tolstedt, whose retirement with a $125 million golden parachute package had been announced earlier this summer? 

> Keep Reading

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Blog Post

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.

Blog Post

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

Blog Post

In most of the country, owning a car is all but required. And we're paying for it—to the tune of $1.2 trillion. This is putting the financial well-being of millions of Americans at risk, and TexPIRG and our national network are calling for change.

News Release | TexPIRG

The legislative session adjourned on Monday, with consumers and the public interest claiming some big victories including the end of surprise medical bills, said the consumer group TexPIRG on Tuesday.

Surprise medical bills will no longer affect consumers in Texas with a non-federal insurance plan after bipartisan work on Senator Hancock’s SB1264. The bill expands on a Texas Department of Insurance program that sends eligible surprise medical bills to an arbitration process between the insurance company and the healthcare provider. Before, consumers had to be aware of their eligibility and submit a request, but with the update, consumers will no longer even receive the surprise medical bill in the first place, significantly increasing utilization.    

The rest of the good news:

  • A bill by Representative Oliverson will prevent hidden fees at freestanding emergency rooms, ending a prominent consumer abuse.

  • Telemarketers won’t be able to “spoof” their calls anymore, thanks to Representative Leman’s HB1992. Spoofing is the practice where robocallers make their calls appear as if they originate from the same area code as the individual they are calling.

  • The Lower Colorado River Authority will be more transparent after TexPIRG and others called for changes as part of legislation to reauthorize the agency.

  • SB9, a bill that would reduce voter participation by making it harder to register and vote, was not passed. The bill was authored by Republic Senator Hughes.

  • HB3040, authored by Representative Hunter, will study how we select our judges, including whether or not elections or appointments will lead to more qualified, representative judicial nominees.

  • None of the many bills designed to block construction of a high-speed bullet train from Houston to Dallas passed, continuing the possibility of reduced congestion on I45 and lower transportation-related air emissions.

  • Bills to increase transparency in government spending, such as Representative Canales’ HB81, which requires disclosure of public spending on entertainment events, sometimes referred to as the Enrique Iglesias bill, after public spending on a concert by that artist received significant public criticism for the expenditure amount being hidden from the taxpayer.

“We were pleased with how the legislative session turned out, especially with the amount of transparency and healthcare-related bills that passed,” said Bay Scoggin, TexPIRG’s Director. “Consumers benefit from more transparency, in government, businesses, and markets, and we saw a concerted effort to pursue that goal.”

“Ending surprise medical bills for a large portion of Texas consumers and enacting one of the strongest arbitration programs in the country will serve healthcare consumers well in the coming years,” continued Scoggin.

News Release | U.S. PIRG Education Fund

Fisher-Price recalled 4.7 million Rock n’Play baby sleepers on Friday. U.S. PIRG Consumer Watchdog Adam Garber issued a response: "“While we’re pleased that Fisher-Price is finally recalling these dangerous sleepers, 30 deaths in 10 years is 30 deaths too many and 10 years too late."

Consumer Protection | U.S. PIRG

Campus debit cards cost students over $24 million in fees

Report shows how campus debit cards — along with how they are marketed — are putting students' financial well-being at risk across the country.

 

Consumer Protection | U.S. PIRG

The real price of medications

The results of our investigation of variations in prescription drug prices may surprise you.

 

Consumer Protection | U.S. PIRG

Driving into debt

The hidden costs of risky auto loans to consumers and our communities

 

Consumer Protection

Congressional investigation concludes that Equifax breach was entirely preventable

The worst data breach in history could have been prevented with some basic security measures.

 
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