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Blog Post | Consumer Protection

Hill Threats to CFPB Escalate As CFPB Protects Consumers, Servicemembers | Ed Mierzwinski

Today, the House Appropriations Committee, at the behest of both Wall Street and predatory lenders seeking to run amok, will vote to eliminate the CFPB's independence from the politicized appropriations process. Meanwhile, over at the CFPB, important work to protect consumers, including servicemembers, from unfair and predatory financial practices continues.

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Blog Post | Consumer Protection

Data Breach Here, Data Breach There, Data Breach Everywhere! | Ed Mierzwinski

UPDATED 10 June Re DHS Breach: If you shop with plastic, have health insurance, pay taxes, work for the federal government, or (fill in blank) you’re at risk of a data breach. And with so much information about you already available on the Internet, it’s best not to select easy-search security questions like “Where were you born?” or answers like “Pizza.” What’s your best defense against identity theft? No, it isn’t credit monitoring, it’s a security freeze.

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How Companies Turn Your Facebook Activity Into a Credit Score

This story in The Nation explains our work challenging the way data brokers use "black box," or secret, algorithms to make scoring decisions that may violate the law and deny credit opportunities. This work was also the subject of our recent livestream event featuring Professor Frank Pasquale and his new book, "The Black Box Society." We've now posted an archive of that event, in 3 chapters on our Youtube page.

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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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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

USPIRG Commends Department of Labor's Rule On Conflicted Retirement Advice

Today, we joined President Obama, Senator Elizabeth Warren, CFPB Director Rich Cordray, Labor Secretary Tom Perez and others at AARP as the President announced his strong support for a proposed Labor Department rule to close loopholes and to require Wall Street and other financial advisors to put consumers first when they give retirement advice. Wall Street has already launched a misleading attack. Read more to see our statement supporting the proposal, which will put billions of dollars back into retirement accounts.

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News Release | NJPIRG Law & Policy Center | Democracy

Big Money Playing an Outsized Role in New Jersey Elections

In New Jersey’s congressional primaries, bigger wallets give a small set of mega-donors an outsized voice, according to new information released today by NJPIRG Law and Policy Center and Demos. Just 383 donors who gave $1,000 or more to candidates in the primaries outspent the at least 6,871 small donors who gave less than $200, and 66 percent of all candidate contributions came from donors giving chunks of $1,000 or more.

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News Release | NJPIRG Law & Policy Center | Transportation

New Report Shows Mounting Evidence of Millennials’ Shift Away from Driving

The 2000s saw a marked decrease in the average number of miles traveled by young Americans, and that trend appears likely to continue even as the economy improves, due to the consistency of Millennials’ surveyed preferences, a continued reduction of Millennials driving to work, and the continued decreases in per-capita driving among all Americans.

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News Release | U.S. PIRG | Public Health

Some Good, Some Bad in Obama Executive Order on Protecting Antibiotics

Today, President Barack Obama issued an Executive Order – Combating Antibiotic Resistant Bacteria. While the order takes several important steps necessary to control the spread of antibiotic-resistant bacteria, it misses the opportunity to call for critical reforms in the agricultural sector that are essential to protect public health.

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News Release | NJPIRG Law & Policy Center | Public Health, Food, Health Care

Stop the Superbugs

NJPIRG gathered outside St. Michaels’s Medical Center in Newark Thursday to call on the Obama Administration to immediately restrict the use of antibiotics on factory farms when animals are not sick. NJPIRG Law & Policy Center released a new report: Ending the Abuse of Antibiotics in Livestock Production: The Case for Reform

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Report | NJPIRG Citizen Lobby | Budget, Tax

Picking Up the Tab

Every year, corporations and wealthy individuals use complicated gimmicks to shift U.S. earnings to subsidiaries in offshore tax havens – countries with minimal or no taxes – in order to reduce their state and federal income tax liability by billions of dollars. Tax haven abusers benefit from America’s markets, public infrastructure, educated workforce, security and rule of law – all supported in one way or another by tax dollars – but they avoid paying for these benefits.

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Report | NJPIRG Law & Policy Center | Consumer Protection, Transportation

The Unfriendly Skies

This report analyzes these consumer complaints about U.S. air carriers for the five year period from 2009-2013, evaluates the effectiveness of new regulations and compares airlines’ performance.
This report tracks trends in tens of thousands of consumer complaints over time, finding how some airlines have improved their rankings and others have worsened. We also compare consumer complaint data with other DOT data that tracks airlines’ on-time performance and baggage handling.

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Report | NJPIRG Law & Policy Center | Budget

Following the Money 2014

This report, NJPIRG LPC’s fifth annual evaluation of state transparency websites, finds that states are making progress toward comprehensive, one-stop, one-click transparency and accountability for state government spending. Over the past year, new states have opened the books on public spending and several states have adopted new practices to further expand citizens’ access to critical spending information. Many states, however, still have a long way to go to provide taxpayers with the information they need to ensure that government is spending their money effectively.

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Report | NJPIRG Law & Policy Center | Public Health, Health Care

Should I Stay Or Should I Go?

Many consumers who buy their own health insurance face a big decision right now. Should you renew your existing plan, or switch to a new one?

It’s an especially important decision for consumers whose insurance company is giving them the option to stay in a “pre-ACA plan” – one that falls below minimum standards under the Affordable Care Act – for another year.

Here are our tips for consumers, and a checklist to help you make the decision that’s right for you:

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Report | NJPIRG Law & Policy Center | Public Health, Consumer Protection, Food

A Year of Progress

The past year has shown that food producers and retailers are listening to consumers’ desire for information and choices when it comes to GMOs.  It’s smart business to give customers what they want, and some companies are beginning to build the transparent marketplace that consumers deserve. This white paper summarizes companies' recent actions related to GMOs.

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Blog Post | Public Health

Some Good, Some Bad in Obama Administration Plan to Protect Antibiotics | Sujatha Jahagirdar

Today, the National Task Force for Combatting Resistant Bacteria released a five-year action plan to tackle the growing problem of antibiotic resistance.  While the plan will take several important steps necessary to control the spread of antibiotic-resistant bacteria, it will miss the opportunity to call for critical reforms in the agricultural sector that are essential to protect public health.

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Blog Post | Consumer Protection

CFPB Adds Consumer Stories to Public Complaint Database | Ed Mierzwinski

Today, the CFPB took a step to make its excellent public database of consumer complaints even better, by adding complaint narratives (stories), but only with the consumer's consent. It's a step we've long urged. It will enrich our research into the marketplace, help consumers make choices and help good-actor firms avoid bad practices by others.

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Blog Post | Financial Reform

As NY Brings Credit Bureaus To Heel, CFPB Arbitration Study Paves Way Toward New Protections | Ed Mierzwinski

Two big consumer stories so far this week offer hope to consumers victimized by credit bureau errors and, more generally, by an inability to take credit bureaus, credit card companies, banks or payday lenders to court when harmed. On Monday, New York's Attorney General Eric Schneiderman signed a groundbreaking agreement with the Big Three credit bureaus, Equifax, Trans Union and Experian. Then today, the CFPB released a report finding that consumer legal rights are infringed by small-print forced arbitration clauses in credit card and other contracts.  The CFPB will hold a webcast public hearing at 11am Eastern time today (Tuesday) to discuss the report's findings and next steps.

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Blog Post | Financial Reform

Is Anyone Protecting Your Privacy Or Wallet? Turbotax? Anthem? Apple? The Government? | Ed Mierzwinski

As if recent privacy breaches at the online tax preparer Turbotax and the health insurer Anthem weren't enough, it turns out that low-tech hacks can trick the vaunted Apple Pay system into giving up cash to thieves, too. Meanwhile, while the administration's blueprint for a Privacy Bill of Rights in 2012 was excellent, its new legislative draft from the Department of Commerce could have been written by the U.S. Chamber of Commerce. There is some good news on privacy, though.

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Blog Post | Consumer Protection

As House Holds Oversight Hearing, 340 Groups Call For Defense of CFPB | Ed Mierzwinski

Today, Consumer Financial Protection Bureau Director Richard Cordray will present the CFPB's sixth semi-annual report to the House Financial Services Committee, whose majority members have been harsh critics of the successful consumer agency. Americans for Financial Reform, joined by the state PIRGs and a total of 340 national, state and local groups, sent Congress a letter explaining why the idea of the CFPB needs no defense, only more defenders.

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