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 | 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. 

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Blog Post | Consumer Protection

ID Theft & Privacy Checklists | Mike Litt

Today, we're releasing our revamped Identity Theft and Online Privacy resources.

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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.

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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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Trouble in Toyland: Dangerous toys in stores

Our Director, Bay Scoggin, was on KVUE Daybreak this morning, bright and early, at 630, letting mom's and dad's know which toys to avoid this holiday season.

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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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Agency votes to begin rulemaking process to protect American children, firefighters from hazardous flame retardant chemicals

Today, the U.S. Consumer Product Safety Commission (CPSC) took three critical steps toward protecting consumers and firefighters from the hazards posed by a class of flame retardant chemicals (known as “organohalogens”). The CPSC directed the Commission’s staff to begin the rulemaking process to ban the sale of four categories of consumer products if they contain these chemicals. Once again, the CPSC has made an important action for consumers.

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Statement on Unilever Starting to Disclose Fragrances via SmartLabel

Statement from TexPIRG Toxics Advocate Dev Gowda on Unilever Starting to Disclose Fragrances via SmartLabel

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News Release | Consumer Protection

Equifax Offers Incomplete Protection After Breach: Advocates Suggest What Else Consumers Can Do

Consumers should know the risks and limits of what Equifax is offering and consider getting credit freezes with all three national credit bureaus instead.

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Report | TexPIRG | Consumer Protection

Pulp Fiction

Across the country, pulp and paper mills,  petroleum refineries, chemical plants and  other industrial facilities use and store large  amounts of hazardous chemicals that could be  released in the event of an accident or  terrorist attack.  Releases at these chemical  facilities could endanger thousands or even  millions of people working and living in  nearby communities.  According to the  Environmental Protection Agency (EPA),  more than 100 facilities each would endanger  at least one million people in a worst-case  chemical release.  Another 3,000 facilities each  would endanger at le

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Blog Post | Consumer Protection

House Launches Frenzy of Attacks on CFPB, Public Protections | Ed Mierzwinski

Today and tomorrow the House floor showcases a variety of special-interest backed bills designed to eliminate public protections and weaken financial reform. Action starts soon with an attempt to override the President's veto of legislation to wipe away a new Department of Labor rule designed to protect hard-earned retirement savings from Wall Streeters seeking their "share" of your own share. Then, the House will consider the massive FSGG Appropriations bill, which rolls back the independence and authority of the CFPB and other financial reforms. Finally, they've teed up a bill to eliminate the Supreme Court's long-standing "Chevron doctrine," which says that courts must defer to expert agencies in certain circumstances. Without the doctrine in place, polluters and wrongdoers will have more opportunities to challenge public protections.

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Video Blog | Consumer Protection

Last Week Tonight with John Oliver: The retirement industry is a minefield -- but here’s the answer

In this week’s episode of “Last Week Tonight,” host John Oliver called out three main problems hurting consumers when it comes to retirement: First, financial advisers aren’t currently required to work in their clients’ best interest. Second, high fees compound over time. Third, actively managed investment funds aren’t the answer. 

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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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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

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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