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News Release | U.S. PIRG Education Fund | Financial Reform

Unlike CFPB’s “Snapshot,” PIRG report reveals which debt collectors Americans file complaints about most

News Release: Our latest report based on the CFPB's public Consumer Complaint database reviews the most-complained about debt collectors. Funny, a new CFPB complaint "snapshot" does not. The report comes as the CFPB's acting director threatens to make the database non-public. If the CFPB both shuts down the public database and continues to issue industry-friendly reports that don’t give out any real information, the public and marketplace harm is even greater.

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Report | U.S. PIRG Education Fund | Financial Reform

Shining A Light on Consumer Problems:

Our report, Shining A Light on Consumer Problems: The Case for Public Access to the CFPB’s Financial Complaints Database, details why it is important that the highly successful Consumer Financial Protection Bureau database of over one million consumer complaints remain open to the public, so consumers, researchers and others can study the financial marketplace.

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News Release | U.S. PIRG Education Fund | Financial Reform

New Report Makes Case To Keep CFPB Complaint Database Public

As the Consumer Financial Protection Bureau’s (CFPB) acting director continues to threaten to hide the agency’s public Consumer Complaint Database from consumers and researchers, a new report makes a strong case to keep the database public. The report from U.S. PIRG Education Fund and Frontier Group was filed as an official public comment in the CFPB’s Request for Information about the database. 

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Blog Post | Financial Reform

Public CFPB Database Comment Period Ends Monday, 4 June at Midnight | Ed Mierzwinski

Monday, June 4, at midnight (ET) marks the deadline for filing public comments on the Consumer Financial Protection Bureau’s latest inward-facing Request For Information (RFI); this one is on the future of the public Consumer Complaint Database, which has been disparaged for years by various bank industry actors and their coin-operated think tanks but most recently by the CFPB’s acting director, Mick Mulvaney. Here's why we are fighting to keep the database public.

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News Release | U.S. PIRG | Consumer Protection

Congress Affirms Need to Stop Debt Trap; Mick Mulvaney Should Follow Suit

Here is our statement on Congress allowing the deadline to pass without repealing the Consumer Financial Protection Bureau's payday lending rule.

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News Release | U.S.PIRG | Financial Reform

Statement on Equifax’s Lock & Alert Product Announcement

Our statement on the today's launch by Equifax of Lock & Alert, a service that will let consumers lock and unlock their Equifax credit reports indefinitely for free to stop new account identity theft. This service, similar to state mandated credit freezes, only blocks access to Equifax credit reports, not credit reports at the other two bureaus, Experian and TransUnion. U.S. PIRG's advice: Blocking access to your credit reports at all three national credit bureaus remains the best action consumers can take after the Equifax breach, whether they were affected by it or not. 

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News Release | U.S. PIRG | Financial Reform

Statement of U.S. PIRG On Court Ruling Upholding Constitutionality of CFPB Leadership Structure

Here is our statement on today's decision by the full D.C. Circuit, U.S. Court of Appeals, upholding the constitutionality of the Consumer Bureau's single-director structure. We had filed an amicus (friend-of-the-court) brief in support of that position. The decision is a big victory for consumers.

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News Release | U.S. PIRG | Financial Reform

Statement by Mike Litt, Consumer Campaign Director at U.S. PIRG on Extended Deadline for Free Equifax Credit Freeze

Equifax has changed the date for its offers after its outrageous data breach-- they lost information for 145 million consumers.Read more. We have not changed our own advice.

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News Release | U.S. PIRG | Financial Reform

U.S. PIRG Urges Consumers to Get Free Credit Freeze by January 31st Deadline

Ahead of three changes to what Equifax is offering consumers following its breach of 145 million consumer records, U.S. PIRG is urging consumers to get free credit freezes with Equifax by January 31st if they haven’t already.

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News Release | U.S. PIRG | Financial Reform

We Back Legislation to Hold Credit Bureaus Accountable To Consumer-Victims For Breaches

Since the massive Equifax data breach, three things, among others, have been made very clear: (1) A credit bureau breach is worse than other breaches, because the bureaus hold a vast trove of our personal information useful to identity thieves; (2) The bureaus treat us with disdain, as products, not customers; (3) The credit bureaus are largely unaccountable to consumers. Our statement in suppport of the Sens. Elizabeth Warren and Mark Warner  "Data Breach Prevention and Compensation Act" to hold large credit reporting agencies (CRAs) - including Equifax - accountable for data breaches involving consumer data."

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Report | Ohio PIRG Education Fund | Higher Ed

Fixing the Broken Textbook Market

Today, a survey released by the Ohio PIRG Education Fund shows that 65 percent of student consumers have opted out of buying a college textbook due to its high price, and nearly half say that textbook costs can dictate whether they take a course. 

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Report | Ohio PIRG Education Fund | Consumer Protection

Credit Cards, Consumer Complaints

This is the fourth in a series of reports that review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints about credit cards with the aim of uncovering patterns in the problems consumers are experiencing with their credit cards and documenting the role of the CFPB in helping consumers successfully resolve their complaints.

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Report | Ohio PIRG Education Fund | Transportation

Transportation in Transition

A first-of-its-kind report showing that on average, residents of America’s cities are driving less and using other modes of travel more.  The report compares the latest government data on changes in automobile use, public transit travel and biking in each of the most populous 100 urbanized areas across the nation.  Recommendations are made for how policy leaders should adapt to these new trends.

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Report | Ohio PIRG Education Fund | Consumer Protection

Trouble in Toyland 2013

The 2013 Trouble in Toyland report is the 28th annual Ohio Public Interest Research Group (Ohio PIRG) survey of toy safety. In this report, Ohio 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 Education Fund | Consumer Protection

Big Credit Bureaus, Big Mistakes

This report is the third of several that review complaints to the CFPB nationally and on a state-by-state level. In this report, we explore consumer complaints about credit bureaus with the aim of uncovering patterns in the problems consumers are experiencing with credit reporting.

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Blog Post | Financial Reform

States, DC Stepping Up To Protect Student Loan Borrowers | Chris Lindstrom

With the U.S. Department of Education failing to protect students from unfair practices, the states and the District of Columbia have begun to enact student loan servicing protections. Here's an overview of what's happening in the "laboratories of democracy."

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Blog Post | Financial Reform

Federal Reserve Questions Administration, Congressional Rollbacks of Wall Street Reform That Threaten CFPB | Ed Mierzwinski

Recently released minutes of the July meeting of the Federal Open Market Committee, comprised of Fed governors and regional Fed Bank presidents, show its concern that Wall Street reform rollbacks proposed by Congress, Treasury Department and the White House could allow "a reemergence of the types of risky practices that contributed to the crisis." Meanwhile, Fed vice-chair Stanley Fisher repeated his warnings that risks from the proposed rollbacks were "mind-boggling."

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Blog Post | Financial Reform

Well, Well, Wells Fargo! Poster Child for Defending CFPB, Dodd-Frank. | Ed Mierzwinski

As the big Wall Street banks, payday lenders and other opponents of consumer protection intensify pressure on Congress to weaken financial reform and gut the CFPB like a fish, numerous reports of further Wells Fargo malfeasance serve as a warning that the Consumer Financial Protection Bureau and the rest of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act are needed more than ever.

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Blog Post | Financial Reform

CFPB Finds So-Called Overdraft Protection Costs Some $450/Year | Ed Mierzwinski

This week, the Consumer Financial Protection Bureau (CFPB) rolled out draft "Know Before You Owe" disclosures for banks marketing so-called "Standard Overdraft Protection," a controversial product that requires consumers to "opt-in" for the "privilege" of overdrafting debit and ATM transactions for a so-called convenience fee averaging $34. It also  released a study that finds that at-risk consumers who opt-in pay $450/year more in fees than other at-risk consumers.

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Blog Post | Financial Reform

It Makes No Sense to Eliminate Successful CFPB, Weaken Wall Street Reforms | Ed Mierzwinski

The successful CFPB turns 6 years old tomorrow, July 21. It's already returned nearly $12 Billion to over 29 million consumers harmed by unfair financial practices. Here is a birthday look at the Consumer Bureau's body of work so far and why it makes no sense for Congress to roll it back at the request of Wall Street lobbyists and other special interests.

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