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News Release | U.S. PIRG | Consumer Protection

CFPB Issues Record $100 Million Fine on Wells Fargo For "Beyond Outrageous" Sales Practices

On September 8 the CFPB announced a record $100 million civil penalty plus consumer restitution against Wells Fargo, among the  nation’s largest banks, for a series of unfair and abusive sales practices by “thousands” of employees that included opening “secret” accounts for “hundreds of thousands” of existing customers, solely to meet sales goals to receive financial incentives. The CFPB action was joined by simultaneous orders announced by the U.S. Office of the Comptroller of the Currency (OCC) ($35 million civil penalty) and the City of Los Angeles ($50 million civil penalty). Our statement follows.

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

Report: Analysis of Payday Complaints Reveals Need for Stronger Federal Protections

Consumer complaints about payday loans to the Consumer Financial Protection Bureau (CFPB) show a critical need for strengthening the agency’s proposed rule to rein in payday loans and other high-cost lending, according to a report released today by the U.S. PIRG Education Fund.

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Report | NCPIRG Education Fund | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

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Blog Post | Consumer Protection

Good news! CFPB Adding Consumer Ratings of Company Responses to Complaint Database | Ed Mierzwinski

The CFPB is making a good public consumer complaint database better. In 2015, the CFPB added optional consumer narratives, or stories, to its public consumer complaint database, giving other consumers, researchers and even other firms a new way to help study complaint patterns. Now, it will give consumers a chance to “rate the company’s handling of his or her complaint on a one-to-five scale and provide a narrative description in support of the rating.”

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News Release | U.S. PIRG | Public Health

More Than 350,000 Urge KFC to Prevent Abuse of Antibiotics in Its Chicken Supply

Today, representatives from the U.S. Public Interest Research Group (U.S. PIRG), the Natural Resources Defense Council (NRDC) and the Food Animals Concern Trust (FACT) will deliver more than 350,000 petitions from consumers nationwide to Kentucky Fried Chicken’s (KFC) headquarters in Louisville, while calling on the nation’s largest fried chicken chain to end the routine use of antibiotics by chicken producers in its supply chain. The petition signatures were also collected by the Center for Science in the Public Interest and CREDO Action. 

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News Release | U.S. PIRG | Consumer Protection

PIRG Commends Supporters of Duckworth Amendment to Protect Our Troops From High-Cost Loans

Last night, on a 32-30 bipartisan vote, the House Armed Services Committee supported the Tammy Duckworth (IL) amendment to strike language from the National Defense Authorization Act that would have delayed Pentagon-proposed improvements to the Military Lending Act of 2007. It's a critical victory for servicemembers, veterans and their families, although the fight to protect our troops from high-cost loans will continue.

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News Release | U.S. PIRG | Consumer Protection

PIRG Commends Release of Labor Dept.'s Proposed Rule To End Conflicted Retirement Advice

PIRG today commended the public release of the Department of Labor’s proposed rule that would strengthen the ability for Americans to save for retirement by addressing conflicts of interest that arise when brokers and financial advisers give retirement advice. Wall Street will fight the rule hard, because it requires them to put consumers first.

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News Release | NCPIRG Education Fund | Budget

NEW REPORT: North Carolina Receives "B+" in Annual Report on Transparency of Government Spending

North Carolina received a “B+” when it comes to government spending transparency, according to “Following the Money 2015: How the 50 States Rate in Providing Online Access to Government Spending Data,” the sixth annual report of its kind by the North Carolina Public Interest Research Group Education Fund.

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Media Hit | Financial Reform

Credit Bureaus’ Deal to Improve Accuracy ‘Huge’ for Consumers

(Bloomberg) -- Buying homes, getting jobs and borrowing money will be easier after an agreement by the three biggest U.S. consumer credit reporting services with New York.[...] “It’s a sea change in the way the credit bureaus treat complaints,” said [U.S. PIRG's Ed] Mierzwinski. “The credit bureaus have been run by computers for years now. They’re going to have to hire more people and actually verify that what a creditor said is true.”

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News Release | U.S. PIRG | Consumer Protection

FCC NET NEUTRALITY ORDER PROTECTS THE OPEN INTERNET

Today the FCC took not one but two critical actions to make sure that the Internet works for everybody. First, it issued a "Net Neutrality" order guaranteeing a free and open Internet. This Internet freedom order will prevent the phone and cable companies from granting fast lanes or other preferences to already powerful firms. The FCC also acted to override state laws that prevented local governments from building out broadband networks to compete with the phone and cable companies.

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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

Debating trade and consumer protection in Brussels today | Ed Mierzwinski

I am in Brussels today debating consumer protection and the proposed US-European trade treaty known as the TransAtlantic Trade and Investment Partnership or TTIP. Today's public event, and a second public meeting tomorrow (Wednesday with live webstream 9am-noon DC time) comparing the CFPB to its European counterparts, are sponsored by the PIRG-backed TransAtlantic Consumer Dialogue.

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Blog Post | Public Health, Food

The foundation is crumbling | Bill Wenzel

What was missing from President Obama's visionary plan for medical progress? 

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Blog Post | Consumer Protection, Make VW Pay

House Tees Up VW Bailout and Other Attacks on Public Protections, Consumer Rights | Ed Mierzwinski

(Updated 8 January to add vote results): You've probably heard that the House is soon planning to again repeal the Affordable Care Act (Obamacare). That bill will certainly be vetoed. But the House has other anti-consumer, anti-environmental bills scheduled for floor action this week and next. The bills take aim at agency health, financial and safety regulations and also consumer rights to band together as a class to take their grievances against corporate wrongdoers to court. That last bill would immunize Volkswagen from having to compensate VW Diesel owners for being deceptively sold cars designed to "defeat" air pollution requirements.

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Blog Post | Public Health

Is your daily routine toxic? | Anna Low-Beer

Because of a lack of regulation, many cosmetics and personal care products contain potentially toxic ingredients, like formaldehyde and lead acetate. What toxic chemicals might you encounter as you go about your daily routine? 

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Blog Post | Public Health, Food

Progress in 2015 and hope for the new year | Anya Vanecek

This was a big year for the fight to save antibiotics. Now we’re looking to the future and looking forward to continuing our efforts to stop the overuse of antibiotics in factory farming.

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