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Blog Post | Consumer Protection

Wall Street Ramps Up Attacks on Wall Street Reform | Ed Mierzwinski

On Friday, the House overwhelmingly approved a Wall Street-driven proposal to weaken oversight of private equity firms, taking a chunk out of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. But wait, there's so much more: On Tuesday the House Financial Services Committee takes up the so-called "Financial Choice Act," which eviscerates most of Dodd-Frank's key reforms, from stripping powers of the Financial Stability Oversight Council to repealing the Volcker Rule, which reins in risky betting practices that use depositors' money. As for the CFPB (which just this week issued its biggest fine to date, $100 million against Wells Fargo Bank for opening hundreds of thousands of fake and secret consumer accounts to meet sales goals), the proposal would defund and defang it and delay or stop its efforts to rein in unfair practices of payday lenders, debt collectors and banks. Many of the Financial Choice Act's provisions also pose threats as budget bill "riders."

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News Release | Maryland PIRG Foundation and U.S. PIRG Education Fund | Consumer Protection

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

Baltimore - 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 Maryland PIRG Foundation.

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Report | Maryland PIRG Foundation | 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 | Public Health

Public Health Internships: Apply Now!

 

Are you motivated to make a change in the world - starting with your own community? Do you want to gain hands-on experience working in the public health field? Apply now!

We are currently accepting applications for the unpaid Fall and Spring Public Health Internship position!

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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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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 | Maryland PIRG | Democracy

National Groups and Investors Urge Maryland Legislature to Support Shareholders United Bill

Today, Maryland PIRG’s federal office, U.S. PIRG, joined a diverse group of twenty national advocacy organizations and investors calling on the Maryland General Assembly to support of the Shareholders United bill.

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News Release | Maryland PIRG | Public Health, Food

McDonald’s announces plan to cut overuse of antibiotics in chicken

McDonald’s announced a new policy today to curb the overuse of antibiotics in raising the chickens that ultimately become McNuggets or other McDonald’s products.  Within two years, farming operations supplying McDonald’s USA restaurants will not be allowed use medically important antibiotics to chickens, a practice that is commonplace, even when animals are healthy.

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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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Marylanders Tell Regulators: Reject the Exelon Takeover of Pepco

Marylanders from across the state registered their opposition to Exelon’s takeover of Pepco on the final day for public comment on the proposed merger before the Maryland Public Service Commission.

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Report | Budget

Following the Money

The ability to see how government uses the public purse is fundamental to democracy. Spending transparency checks corruption, bolsters public confidence in government, and promotes fiscal responsibility.

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The Right Track

America’s highways and airports are increasingly congested. Our nation’s transportation system remains dependent on oil. And our existing transportation infrastructure is inadequate to the demands of the 21st century.

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Report | Safer Chemicals, Healthy Families | Consumer Protection

The Health Case for Reforming the Toxic Substance Control Act

There is growing agreement across the political spectrum that the Toxic Substances Control Act (TSCA) of 1976 does not adequately protect Americans from toxic chemicals.

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What we learned from the stimulus

A new analysis by Smart Growth America, U.S. PIRG, and the Center for Neighborhood Technology assesses job creation through transportation spending in the first ten months of the American Recovery and Reinvestment Act (ARRA) and shows that investments in public transportation have created twice as many jobs as investments in highways.

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Report | Maryland PIRG Foundation | Consumer Protection

Trouble in Toyland

By passing the landmark Consumer Product Safety Improvement Act (CPSIA) in August 2008, Congress not only expanded the agency’s budget, it also gave the CPSC more tools to hold corporate wrongdoers accountable and speed recalls, moved toward banning toxic lead and phthalates except in trace amounts, and greatly improved import surveillance.

The recall of 45 million toys and other children’s products in 2007 and continued recalls in 2008 reminded Americans that no government agency tests toys before they are put on the shelves.

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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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Blog Post | Public Health, Food

All I want for Christmas is responsibly-raised meat. | Anya Vanecek

I don't want a lot for Christmas, there is just one thing I need...

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Blog Post | Public Health

One step closer to TSCA reform | Emily Scarr

On Thursday the Senate passed an update to the federal chemical safety law, the 1976 Toxics Substance Control Act (TSCA), by unanimous consent. The language of the legislation is an updated version of the Senate bill, S.697 (the “Udall/Vitter bill”). The House passed their version this summer. The next phase of the process is a conference committee between House and Senate to reconcile the differences in the House and Senate versions of TSCA reform.

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Defend the CFPB

Tell your senators to oppose the “Financial CHOICE Act,” which would gut Wall Street reforms and destroy the Consumer Financial Protection Bureau as we know it.

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