Protecting Consumers

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

Maryland PIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 26 years, Maryland PIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. One year, our research led to the recall of a cloth children’s book that we found contained lead.

BIGGER BANKS, BIGGER FEES

In April, Maryland PIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Issue updates

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.

> Keep Reading
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 | Maryland PIRG | Consumer Protection, Safe Energy

Regional Opposition to Exelon’s Takeover of Pepco Is Strong

Maryland PIRG joined organization from DC, MD, and DE today to oppose the Exelon Pepco merger. Read Emily Scarr's statement.

> Keep Reading
News Release | Maryland PIRG Foundation | Public Health, Consumer Protection

Survey Finds Dangerous and Toxic Toys on Store Shelves

On Tuesday, December2nd, we're releasing Maryland PIRG’s 29h annual Trouble in Toyland report and list of dangerous toys. The report finds that despite improvements from recent product reforms, there are still dangerous toys on store shelves that pose a safety hazard. This year our report highlights potentially hazardous toys like toxic toys and choking hazards.

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

We urge CFPB to issue safeguards for mobile financial services and privacy

We urge (along with the Center for Digital Democracy) the CFPB to issue rules so consumers can use mobile financial services without placing their privacy at risk or exposing themselves to new forms of predatory lending and other unfair practices. We filed a joint comment in response to a CFPB information request.

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News Release | Maryland PIRG | Consumer Protection

SHAREHOLDER RESOLUTION ASKS SAFEWAY TO LABEL ITS FOOD FOR GMOs

At its annual meeting this Friday, shareholders and advocacy groups will urge Safeway to label store brand products containing genetically modified organisms (GMOs). Green Century Capital Management filed a shareholder proposal with Safeway, citing unprecedented public demand for GMO labeling as a reason for Safeway to voluntarily provide this information.

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News Release | Consumer Protection

Credit CARD Act Saves Consumers $12.6 Billion Annually

On May 22, the fifth anniversary of the Credit CARD Act of 2009, consumer advocates applaud the Act’s success in saving Americans billions of dollars in predatory and excessive fees. By one estimate, the CARD Act has saved consumers $12.6 billion annually in lower fees and interest charges; a recent report from the Consumer Financial Protection Bureau identifies nearly $4 billion annual savings in fees alone.

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Report | Maryland PIRG Foundation | Consumer Protection

Prescription for Danger

Prescriptions are regularly compounded at pharmacies, after a doctor writes a prescription for a compounded drug. However, compounding pharmacies are increasingly behaving like pharmaceutical companies by producing drugs in bulk, despite the fact that they are not inspected or regulated like the pharmaceutical industry. Due to this lack of oversight, many compounding pharmacies have not adhered to safe manufacturing practices, and shown little regard for consumer safety.

> Keep Reading
Report | Maryland PIRG Foundation | Consumer Protection

TROUBLE IN TOYLAND

The enactment of the Consumer Product Safety Improvement Act (CPSIA) of 2008 made great strides in toy safety and strengthened the ability of the Consumer Product Safety Commission (CPSC) to protect consumers, including the littlest consumers—children. Although policymakers delayed implementation of its most stringent lead standard rules and enacted some narrow exceptions in 2011, on the whole the law has been protected from attempts to undermine it.

> Keep Reading
Report | U.S. PIRG Education Fund, Maryland PIRG Foundation | Consumer Protection, Financial Reform

BIG BANKS, BIGGER FEES

Over the last six months, state PIRG staff conducted inquiries at 250 bank and 116 credit union branches in 17 states and the District of Columbia and reviewed bank fees online in these and 7 other states. This report, “Big Banks, Bigger Fees: A National Survey of Fees and Disclosure Compliance,” examines the following questions:

 How easy is it for consumers to shop around? Are banks complying with the Truth In Savings Act, which requires disclosure of a schedule of account fees to prospective customers?

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

TOTAL FOOD RECALL: UNSAFE FOODS PUTTING AMERICAN LIVES AT RISK

Despite government commitments to address the problem, food recalls are on the rise and our food safety systems are broken, according to a new report by U.S. PIRG. 

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Report | Common Cause | Consumer Protection, Democracy

TOXIC SPENDING

Since passage of the Toxic Substances Control Act in 1976, the debate over disclosing and reducing the risks that certain chemicals pose to human health and the environment has been dominated by two important trends. First is the growing body of evidence that certain chemicals are harmful to human health, and the growing number of chemicals in daily use whose effects on human health have not been fully studied.

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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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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 | Public Health, Consumer Protection

Testimony: Supporting a Ban on Sales Receipts Containing BPA | Matthew Wellington

Maryland PIRG, Alliance of Nurses for Healthy Environments, Maryland LCV,  Maryland Environmental Health Network, and Food & Water Watch support the passage of SB 175, a bill to ban the use of BPA in sales receipts.

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Blog Post | Consumer Protection

8 Toy Safety Tips for 2014 | Matthew Wellington

Play is an essential part of childhood. Unfortunately, thousands of children go to the emergency room every year because of injury from unsafe toys. Our tips will help you to choose the right toys for the children in your life. You can read our 2014 toy safety report here.

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Blog Post | Consumer Protection

We oppose merger between giants Comcast & Time Warner Cable | Ed Mierzwinski

We have joined the Consumer Federation of America in a petition to deny the merger of cable/Internet giants Comcast & Time Warner Cable.

 

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