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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 | Transportation

Why Is Our Infrastructure So Terrible? | Sean Doyle

America is facing a $1.4 trillion infrastructure funding crisis. This isn't some distant problem; it's already having a real effect on everyday Americans.

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Blog Post | Transportation

Good Things Come to Those On Bikes | Sean Doyle

Pull the bike out of the closet, pump up those tires, and dust off the helmet because it's Bike to Work Week!

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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 | Transportation

Don’t Believe the Hype – Millennials’ Transportation Habits Are Changing | Sean Doyle

Despite news stories claiming that Millennials are buying up cars at record rates, the reality is quite different. After adjusting previous studies to account for differences in the size of the generations measured, on a per-capita basis, Millennials are 29 percent less likely than members of Generation X to own a car.

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News Release | NCPIRG Education Fund | Tax

North Carolina Receives a “D” in Annual Report on Transparency of Government Spending

March 26 – North Carolina received a “D” when it comes to government spending transparency, according to “Following the Money 2013: How the States Rank on Providing Online Access to Government Spending Data,” the fourth annual report of its kind by the NCPIRG Education Fund.

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News Release | NCPIRG Education Fund | Budget, Food

Ag Subsidies Pay for 21 Twinkies per Taxpayer, But Only Half of an Apple Apiece

Federal subsidies for commodity crops are subsidizing junk food additives like high fructose corn syrup, enough to pay for 21 Twinkies per taxpayer every year, according to NCPIRG’s new report, Apples to Twinkies 2012. Meanwhile, limited subsidies for fresh fruits and vegetables would buy one half of an apple per taxpayer.

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News Release | NCPIRG | Higher Ed

Responding to Students, Congress Extends Low College Loan Rate

Statement of Rich Williams, NCPIRG Higher Education Advocate, on the Congressional passage of bipartisan legislation to prevent subsidized Stafford student loan interest rates from doubling:

Congress listened to students and their families and delivered a bill that stops student loan interest rates from doubling. Students already face unprecedented student loan debt and adding an additional $1,000 more would not only crunch individual borrowers, but would have further weighed down the recovering economy. We applaud Congress for coming together to pass this much-needed legislation.

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News Release | NCPIRG | Transportation

Transportation Bill is a Step Backwards

Statement by Phineas Baxandall, NCPIRG’s Senior Transportation Analyst, regarding the disappointing federal Transportation Bill as released from conference committee today.

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News Release | NCPIRG | Health Care

Supreme Court Upholds Health Reform

Today’s decision is good news for consumers. Insurance companies can’t go back to the days of dropping your coverage once you become ill, or denying coverage to sick children. And beginning in 2014, the days of insurers being able to deny anyone coverage for “pre-existing conditions” will be history. 

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Report | NCPIRG | Consumer Protection

Trouble in Toyland, 23rd Annual Toy Safety Report

The 2008 Trouble in Toyland report is the 23rd annual Public Interest Research Group (PIRG) survey of toy safety. This report provides safety guidelines for parents when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards. We visited numerous toy stores and other retailers to find potentially dangerous toys and identify trends in toy safety. This year, we focused specifically on toys that contain lead and phthalates in our research. 

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Report | NCPIRG | Consumer Protection

Total Recall: The Need for CPCS Reform Now

The year 2007 was called the year of the recall. But in 2008, recalls are up, according to Consumer Product Safety Commission (CPSC) data. Already, as these data show, more toys and children’s products have been recalled in the first half of this year than in the first half of last year, a supposed “100-year-flood” period. Yet the remedial CPSC reform legislation passed overwhelmingly by both the House and Senate in response to that 2007 recall wave has yet to become law.

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Mixed Signals: How TV Retailers Mislead Consumers on the Digital Television (DTV) Transition

One year from now 22 million Americans who rely on free over-the-air analog broadcasting will be at risk of losing access to TV. On February 17, 2009, analog televisions that receive over-the-air signals will go dark, unless they are retrofitted with digital converter boxes. For many Americans who are hearing about the transition for the first time, information about the change comes from electronic store retailers, where consumers ask what is necessary to maintain TV reception-- a primary source for news, information and entertainment.

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Report | NCPIRG | Consumer Protection

Who Pays for Faulty Construction? How North Carolina Families Bear The Burden For Shoddy Building Practices

Owning a home is the most important investment many families will ever make, but it is one of the least protected products on the market. When homeowners in North Carolina suffer because of mistakes made by builders, they face a variety of unfair and unnecessary obstacles, and have too few tools to hold builders accountable. This report examines five case studies in shoddy construction and makes recommendations for homeowners and policy makers to protect home investments. Below are summaries of two case studies:

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Blog Post | Financial Reform

House Committee Launches Trojan Horse Assault On State Privacy Laws | Ed Mierzwinski

This afternoon (Tuesday, 8 December), the U.S. House Financial Services Committee launches a massive attack on state privacy laws. Hidden inside a seemingly modest proposal to establish federal data breach notice requirements is a Trojan Horse provision designed to to take state consumer cops off the privacy beat, completely and forever. That's wrong, because the states have always been key first responders and leaders on privacy threats that Congress has ignored, from credit report accuracy and identity theft to data breaches and do-not-call lists.

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Blog Post | Public Health

The Phantom, and Other Menaces | Anya Vanecek

In the midst of warnings that the post-antibiotic era is quickly approaching, we see evidence that it has already arrived.

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Blog Post | Transportation

Pulling a FAST one on our Transportation Future | Sean Doyle

For the first time in a decade, and after roughly three dozen short-term extensions, Congress has pulled together and passed a transportation-funding law lasting longer than two years. There is only one problem: the new law is the wrong deal for the country.

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Blog Post | Public Health

Not-so-secret-Santas in Congress Using Spending Bill To Roll Back Health, Safety, Wallet Protections | Ed Mierzwinski

With spending authorization for the federal government set to end on December 11, Congressional leaders are working with powerful special interests on their not-so-Secret-Santa lists to use spending bills as vehicles to gut health, safety and wallet protections popular with the general public but not with Wall Street or the U.S. Chamber of Commerce. They know they cannot win a fair fight. So they’re loading up the must-pass funding bill with so-called “riders,” which are unrelated policies that couldn’t get passed on their own. Everything we fought for in Wall Street reform, including the CFPB, is on the chopping block. So are many other PIRG health, safety, wallet and democracy priorities.

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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