Reports

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.

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.

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.

Report | TexPIRG | Transportation

Property Rights Protection Act (PRPA)

The Property Rights Protection Act (PRPA) is genuine eminent domain reform and provides property owners in Texas with much-needed protections from profit-driven eminent domain for private gain. PRPA guards landowners from wrongful takings and ensures property owners that they will be fairly compensated for their land. It provides the people of Texas with strong safeguards to defend themselves against unlawful condemnations. PRPA minimizes conflicts of interest, increases transparency and enhances remedies so that the condemnation process is one which favors the people of Texas rather than the condemning entities in the state, while providing clarity and certainty to condemning entities when uses are necessary and justified.

Report | TexPIRG | Health Care

Building a Better Health Care Marketplace

Policy Brief #3: Spotlight on Small Business: While many Americans struggle with the rising costs and eroding quality of health care, the plight of small businesses stands out – lacking the advantages possessed by larger businesses, they face unique challenges.

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