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Report | US PIRG Education Fund | Consumer Protection

Mortgages and Mortgage Complaints

Our sixth report analyzing complaints in the CFPB's Public Consumer Complaint Database evaluates mortgage complaints, the number one source of complaints to the CFPB, totaling 38% of nearly 500,000 complaints posted since 2011.

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News Release | U.S. PIRG | Consumer Protection

We Commend CFPB For Adding Consumer Stories To Public Complaint Database

Yesterday, the CFPB published the first batch (7,700) of consumer narratives or stories to the Public Consumer Complaint Database it began in 2011. We've used the database to publish five reports (so far) analyzing complaint trends in markets ranging from credit cards to student loans but we have also long urged the voluntary addition of stories to the data fields. Now, consumers can learn if what happened to them happened to anyone else. Now, researchers can track which banks are more responsive to particular problems and which ignore their customers. A good resource is now an excellent resource.

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Blog Post | Financial Reform

The More I Hear About OPM Data Breach, The Less I Know, Except This: It's Bad | Ed Mierzwinski

Was it 4 million, 14 million or 18 million records breached (how many times) (likely) by Chinese hackers? Whose fault was it? The USOPM director says no one's. Really? Perhaps the worst data breach ever raises lots of questions, but I haven't heard any good answers. Federal employees, their families, their friends and their neighbors -- because all of them could be victims -- deserve better answers, just as they deserve better service than USOPM's credit monitoring provider is giving them.

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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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News Release | NJPIRG | Democracy

ON DAY OF ORAL ARGUMENT IN MCCUTCHEON V. FEC, GROUPS GATHER TO PUSH BACK ON BIG MONEY IN POLITICS, DEMAND SOLUTIONS

NJPIRG, the New Jersey Sierra Club, Main Street Alliance and citizen activists from across the state gathered at the State House today to push back on the power of big money in elections, as the U.S. Supreme Court heard oral arguments in McCutcheon v. FEC. Advocates say the case would further increase the electoral clout of a few large donors.

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News Release | NJPIRG Law & Policy Center | Transportation

New Study Finds Technology Enabling Americans to Drive Less

In a first-of-its-kind study, NJPIRG Law & Policy Center compiled nation-wide evidence on transportation apps and vehicle sharing programs, such as Zipcar, and found that these advanced new tools have made it easier for Americans to drive less. Real-time apps and on-board wi-fi for public transit, as well as carsharing, bikesharing and ridesharing have spread rapidly in recent years. The report examines new evidence on how these practices are changing travel behavior.

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News Release | NJPIRG Law & Policy Center | Transportation

New Report Shows New Jerseyans Are Driving Less

NEWARK – New Jerseyans have cut their annual per-person driving miles by 2.1 percent since 2005, while the nation’s long term driving boom appears to have ended, according to a new report from the NJPIRG Law & Policy Center. New Jersey’s driving decline is slower than the national average of 6.9 percent since 2005. 

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News Release | NJPIRG Citizen Lobby | Public Health

Advocates Call On EPA for Increased Chemical Safety, Security

In light of recent toxic chemical spills and accidents, NJPIRG called on the EPA to take action to protect the public from the dangers of high-risk chemical plants. Activists gathered outside the Kuehne chemical facility to release “Danger In Our Backyards: The Threat of Chemical Facilities to Millions”, a report that highlights two New Jersey plants as posing significant threats to public safety. Over 12 million people live near a high-risk New Jersey chemical plant.

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News Release | NJPIRG | Public Health, Transportation

Chemical Security Getting On the Right Track

“The President’s Executive Order is a great step forward in modernizing the security of our chemical facilities.”

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Report | NJPIRG Law & Policy Center | Budget, Tax

Following the Money 2013

This is the fourth annual report card ranking of state government online spending transparency.

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Report | NJPIRG Law & Policy Center | Budget, Tax

The Hidden Cost of Offshore Tax Havens

Federal taxpayers are not the only victims of offshore tax havens. Tax havens deprive state governments of billions of dollars in badly needed revenues as well. Based how much income is federally reported in each state, and on state tax rates, it is possible to calculate how much each of the state governments lose as a result of offshore tax dodging.

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Report | NJPIRG Law & Policy Center | Democracy

Billion-Dollar Democracy

The first presidential election since Citizens United lived up to its hype, with unprecedented outside spending from new sources making headlines. Demos and NJPIRG Law & Policy Center analysis of reports from campaigns, parties, and outside spenders to the Federal Election Commission found that our big money system distorts democracy and creates clear winners and losers: Wealthy Donors Over Average Citizens, Special Interests Over the Public Interest, Incumbents Over Challengers & Grassroots Candidates, Secret Spenders Over Voters Seeking Accountability.

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Report | NJPIRG Law & Policy Center | Democracy

Outside Spending, Outsized Influence

The 2012 elections were by far the most expensive in history thanks primarily to the tidal wave of outside, special interest money triggered by the Supreme Court’s Citizens United decision. The federal Senate and House races in New Jersey, where outside groups spent over $3 million, were no exception.

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Report | NJPIRG Law & Policy Center | Democracy

Elections Confidential

“Elections Confidential” describes how secret donors poured hundreds of millions into the 2012 election through “social welfare” non-profits that are really political vehicles and via shell corporations formed as conduits to hide a funder’s identity.

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Blog Post | Consumer Protection

Coalition Launched To Protect Retirement Savings from Wall Street Loopholes | Ed Mierzwinski

We've joined AARP, the Consumer Federation of America, AFL-CIO, Americans for Financial Reform and other leading groups to support an imminent Department of Labor rule to require retirement advisors to put consumers first. Wall Street brokerages and insurance companies have already launched a fierce lobbying attack, since they've been using loopholes to put themselves first to the tune of an estimated $17 billion/year by pocketing what should be your retirement income.

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Blog Post | Financial Reform

House Floor Vote on Budget Delayed over Special Interest "Riders" From Wall Street, Other Powerful Interests | Ed Mierzwinski

UPDATED: Opposition to a controversial provision authored by Citibank forced House leaders to delay consideration of the "CRomnibus" appropriations package just hours before funding for the federal government expired at midnight Thursday. Eventually the bill passed narrowly with the Wall Street provision intact. Action now shifts to the Senate, which has a 48-hour window to pass the bill, but any one Senator can block it under Senate rules. The provision would again allow Wall Street banks to place risky bets with taxpayer-backed funds, and require taxpayers to bail them out if the bets fail, repealing a key protection added in the 2010 Wall Street reform law. 

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Blog Post | Consumer Protection

The CFPB at Three: A Child Prodigy | Ed Mierzwinski

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

Toy Safety Tips

For 28 years, NJPIRG Law & Policy Center has worked to identify unsafe toys. Here are our top tips to help you choose the safest toys for the children in your life.

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Blog Post | Consumer Protection, Health Care

The Supreme Court and the High Cost of Prescription Drugs

Everyone knows prescription drugs cost more than they should. But many people are surprised to learn about one of the key ways drug companies keep prices high:  Paying off competitors to keep generics off the market. On Monday, the Supreme Court heard arguments in a case about this very practice.

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We're teaming up with big restaurant chains to stop the overuse of antibiotics on factory farms. Call on KFC to stop selling meat raised on routine antibiotics.

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