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News Release | U.S. PIRG | Financial Reform

Statement by Mike Litt, Consumer Campaign Director at U.S. PIRG on Extended Deadline for Free Equifax Credit Freeze

Equifax has changed the date for its offers after its outrageous data breach-- they lost information for 145 million consumers.Read more. We have not changed our own advice.

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News Release | U.S. PIRG | Financial Reform

U.S. PIRG Urges Consumers to Get Free Credit Freeze by January 31st Deadline

Ahead of three changes to what Equifax is offering consumers following its breach of 145 million consumer records, U.S. PIRG is urging consumers to get free credit freezes with Equifax by January 31st if they haven’t already.

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Blog Post | Financial Reform

Have Banker Deregulation Demands Jumped the Shark? | Ed Mierzwinski

When a tired TV show desperate for viewers goes over the top with wacky plots, it is said to have "jumped the shark." Unfortunately, even after the Wells Fargo debacle and even as bank profits return to record levels, the "viewers" of bank deregulation demands -- members of Congress -- still have an unslaked appetite for over-the-top, outrageous proposals to take consumer and financial system safety cops off the bank beat. Meanwhile, the public -- by wide, non-partisan margins, wants to keep the cops on the beat.

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News Release | U.S. PIRG | Financial Reform

We Back Legislation to Hold Credit Bureaus Accountable To Consumer-Victims For Breaches

Since the massive Equifax data breach, three things, among others, have been made very clear: (1) A credit bureau breach is worse than other breaches, because the bureaus hold a vast trove of our personal information useful to identity thieves; (2) The bureaus treat us with disdain, as products, not customers; (3) The credit bureaus are largely unaccountable to consumers. Our statement in suppport of the Sens. Elizabeth Warren and Mark Warner  "Data Breach Prevention and Compensation Act" to hold large credit reporting agencies (CRAs) - including Equifax - accountable for data breaches involving consumer data."

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Blog Post | Financial Reform

The End for "Rent-A-Tribe" Payday Lending Schemes? | Ed Mierzwinski

This month, Scott Tucker, a payday lender who used his proceeds to fund a LeMans racing team, was sentenced to 16 years in jail on federal racketeering and other charges.   Last fall, his former business partner Charles Hallinan, known as the Philadelphia Main Line "godfather" of payday lending, was also convicted of federal racketeering charges. Tucker and Hallinan's main business model? Their claim that their payday loan enterprises were for the benefit of Native American tribal partners and therefore subject to tribal immunity. The authoritative public interest law firm Public Justice speculates: "Tribal Immunity" may no longer be a Get-Out-of-Jail Free Card for payday lenders." It's about time.

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Texas Chemical Explosions: More Safety Needed Now

Two small explosions last night at a Texas chemical facility highlight that comprehensive emergency regulations need to be enforced more strictly at chemical plants.

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Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

RIPIRG applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

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News Release | Public Health, Antibiotics

McDonald’s Changes Meat Supply Guidelines to Stem Spread of Antibiotic-Resistant Bacteria

In response to the health risks posed by antibiotic-resistant bacteria, McDonald’s has announced it is implementing new targets for cutting antibiotic use in the global chicken supply, and plans to expand its commitment to fewer antibiotics in pork and beef.

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News Release | U.S. PIRG | Public Health, Health Care

Our Statement on the Failure of the US Senate Health Care Bill

American consumers can breathe a sigh of relief today. The legislation that was narrowly defeated in the US Senate last night threatened to spark chaos in health insurance markets, raise costs, degrade quality of care, weaken protections for people with pre-existing conditions, and cause millions of Americans to lose health coverage.

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News Release | U.S. PIRG | Financial Reform

As CFPB Turns 6 Years Old, PIRG Calls on Senate to Block Wall Street Attacks

Today, the Consumer Financial Protection Bureau turns 6 years old and has a lot to show for it. Because the CFPB is doing such a good job protecting consumers and making the financial marketplace fair, it faces escalating threats from its opponents, including Wall Street. Read our birthday news release and watch our new 2-minute video (we are joined by 98 groups) celebrating the CFPB.

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Report | RIPIRG | Consumer Protection

The Campus Credit Card Trap

Credit card lending is enormously profitable. According to annual Federal Reserve Board of Governors’ (FRB) Reports to Congress, it is the most profitable form of banking. But the credit card industry is saturated. The average adult had nearly five credit cards in 2006 and the average household received 5.7 credit card solicitations monthly in 2004, according to the 2007 FRB report.1 Banks seeking even greater profits from credit cards have several options.

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Report | RIPIRG | Transportation

A Better Way To Go

America’s automobile-centered transportation system was a key component of the nation’s economic prosperity during the 20th century. But our transportation system is increasingly out of step with the challenges of the 21st century. Rising fuel prices, growing traffic congestion, and the need to address critical challenges such as global warming and America’s addiction to imported oil all point toward the need for a new transportation future.

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Report | U.S. PIRG | Health Care

Paying the Price

As this report shows, high prescription drug prices are a problem for Americans of all ages, particularly for the uninsured.

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Blog Post | Transportation

Clean Transportation Doesn’t Need To Be A Distant Utopia | John Olivieri

For many, when they think of combating global warming, they think of solar panels on rooftops and eliminating coal fired power plants. But, the truth is, there is not an effective solution to address global warming that does not deal with transportation as well.

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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 | Transportation

A World Without Carbon Pollution – Closer Than You Might Think | John Olivieri

For many, a world without carbon pollution seems like a distant utopia. To some, this even seems unobtainable. The size and scope of the challenge before us can be daunting, yet, there is good news -- a world without carbon pollution is closer than you think.

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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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