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Blog Post | Consumer Protection

Time To Defend CFPB as Senate Banking Committee Aims Sights at It | Ed Mierzwinski

UPDATED 12 April: The Senate Banking Committee held a stacked hearing on "Assessing Consumer Regulations" yesterday (5 April), although our one pro-consumer witness and pro-CFPB Senators defended consumer protection ably as three industry-backed witnesses and their supporters on the committee had a great deal of trouble proving their case that the CFPB should be dismantled. Tomorrow morning, (7 April) CFPB Director Richard Cordray will present the statutory "Semi-Annual Report of the CFPB" to the committee. We submitted a statement to be entered into the hearing record, as did other Americans for Financial Reform coalition members.

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News Release | U.S. PIRG | Consumer Protection

The Department of Labor Fiduciary Rule for Investment Advice

U.S. PIRG federal legislative director Jerry Slominski on The Release of the Department of Labor Fiduciary Rule for Investment Advice

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Blog Post | Consumer Protection

What is payday lending? | Kathryn Lee

We are a leading member of Americans for Financial Reform, a coalition that was instrumental in the creation of the Consumer Financial Protection Bureau (CFPB) by Congress in 2010. The CFPB is currently working on a rule to reign in the payday lending industry. We, along with AFR, are working to make sure the rule is a strong one. 

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Blog Post | Consumer Protection

Lowering your APR might be easier than you think | Kathryn Lee

Many Americans are walking around with a balance on their credit card because of high interest rates, or annual percentage rate (APR) charges for unpaid balances. It's best to pay off your balance in full but if you don't or can't, a higher APR makes your debit grow faster. What most people don’t realize is this APR can be negotiated to a lower rate.

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Blog Post | Transportation

Owning Fewer Cars Isn’t Just For Millennials | Sean Doyle

New transportation options are making it easier for people to use transit more, own fewer cars, and even save money on transportation.

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News Release | Ohio PIRG | Public Health

Big Pharma’s Pay-for-Delay Deals Take a Hit

Big Pharma’s controversial “pay-for-delay” agreements took a hit today. In FTC v. Actavis, the U.S. Supreme Court ruled that the FTC’s case against the payoff keeping generic AndroGel from the market can move ahead in the lower courts.

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News Release | Ohio PIRG | Higher Ed

Interest Rates for 361,857 Student Loan Borrowers in Ohio Set to Double on July 1

COLUMBUS – Unless Congress acts, on July 1, the interest rate for 361,857 student loan borrowers in Ohio will double from 3.4 percent to 6.8 percent. According to an issue brief released today by Ohio PIRG, the rate increase would hike the cost of Ohio students’ loans by $322 million. That translates into a $290 increase in debt per student, per loan.

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News Release | Ohio PIRG | Public Health

New Report Documents a Decade of Safety Violations by Compounding Pharmacies

The contaminated drug that caused last fall’s fungal meningitis outbreak and sickened 20 Ohioans (killing one) and killed 55 people nationally is just the tip of the iceberg of an industry-wide problem, according to a new report released today by Ohio PIRG. The meningitis outbreak was simply the latest and deadliest in a long line of errors and risky practices by compounding pharmacies.

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News Release | Ohio PIRG Education Fund | Transportation

New Report: Reduction in Driving Likely to Continue

COLUMBUS ­­—As the average number of miles driven by Americans heads into its eighth year of decline, a new report from the Ohio PIRG Education Fund finds that the slowdown in driving is likely to continue. Baby Boomers are moving out of the phase in their life when they do the most commuting, while driving-averse Millennials move into that phase. These demographic changes will likely keep driving down for decades, according to the report, “A New Direction: Our Changing Relationship with Driving and the Implications for America’s Future.”

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News Release | Ohio PIRG | Financial Reform

OHIOANS TELL SENATOR PORTMAN TO STOP CODDLING PREDATORY LENDERS AND BLOCKING CONSUMER FINANCIAL PROTECTION

 

That was the message of petitions delivered to Senator Portman today by the Ohio Public Interest Research Group (Ohio PIRG) and Empowering and Strengthening Ohio’s People (ESOP), both members of Americans for Financial Reform (AFR). The petitions, which call on the Senate to confirm Richard Cordray to a full term as director of the Consumer Financial Protection Bureau, bore the signatures of more than 160,000 people, including over 5,000 citizens of Ohio.

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Report | U.S. PIRG | Safe Energy

Unacceptable Risk

American nuclear power plants are not immune to the types of natural disasters, mechanical failures, human errors, and losses of critical electric power supplies that have characterized major nuclear accidents such as the one at Fukushima Daiichi power plant in Japan. Indeed, at several points over the last 20 years, American nuclear power plants have experienced “close calls” that could have led to damage to the reactor core and the subsequent release of large amounts of radiation.

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Report | Ohio PIRG | Health Care

The Cost of Repeal

This report examines the costs and benefits of repeal for the taxpayers, consumers, and businesses of Ohio.

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Report | Ohio PIRG | Transportation

Do Roads Pay for Themselves?

Highway advocates often claim that roads “pay for themselves,” with gasoline taxes and other charges to motorists covering—or nearly covering—the full cost of highway construction and maintenance, but they are wrong. 

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Report | Ohio PIRG | Consumer Protection

Trouble in Toyland: The 25th Annual Survey of Toy Safety

The 2010 Trouble in Toyland report is the 25th annual Public Interest Research Group (PIRG) survey of toy safety.  In this report, U.S. PIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards.

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Report | Ohio PIRG | Transportation

A Track Record of Success

As America moves toward construction of new high-speed rail networks in regions throughout the country, we have much to learn from experiences abroad. High-speed rail lines have operated for more than 45 years in Japan and for three decades in Europe, providing a wealth of information about what the United States can expect from high-speed rail and how we can receive the greatest possible benefits from our investment. 

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Blog Post | Consumer Protection

IRS Admits Data Breach Worse Than Thought, Will Congress Do Wrong Thing Anyway? | Ed Mierzwinski

This week, the IRS has admitted that thieves accessed the personal information -- enough to allow them to take your tax refund -- of an additional 220,000 taxpayers, on top of the 114,000 reported in May. Meanwhile, we remain  concerned that Congress will use continued publicity about the Target breach and other breaches as an excuse to pass dangerous data security legislation. Dangerous? Yes, because it would only protect against limited financial identity theft harms, but eliminate stronger state protections against the harms posed by the IRS breach, the health insurance breaches and the OPM breach.

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Blog Post | Consumer Protection

House To Vote On Godzilla-Sized Rule Blocker, As Financial Committee Considers Smaller Rollbacks | Ed Mierzwinski

UPDATED: REINS Approved, near party line vote. Today, the House Financial Services Committee takes up a package of smaller rollback bills, many of which are opposed by Americans for Financial Reform and the PIRGs. Meanwhile, the House will bring up the Godzilla of all anti-health and safety bills, the REINS Act. Fortunately, the President has promised a veto.

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Blog Post | Consumer Protection

The CFPB is 4 years old and has a lot to show for it! | Ed Mierzwinski

Tuesday, July 21, marks four years to the day since the Consumer Financial Protection Bureau opened its doors to protect consumers and make financial markets work. We've summarized some of the ways CFPB works for you on a new web page.

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Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

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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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DEFEND THE CFPB

Tell your representative 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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