Consumer Protection

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

CALPIRG’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 30 years, CALPIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, CALPIRG 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.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

CALPIRG applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

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News Release | CALPIRG Education Fund | Consumer Protection

California Moves to Study, Not Ban, Toxic Chlorpyrifos

The Brown administration should recognize that the science of the harmful effects of chlorpyrifos is well-established, and that it is time to eliminate its use in California.

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News Release | CALPIRG | Consumer Protection

What Could Possibly Go Wrong If Wall Street Banks and Predatory Payday Lenders Are Allowed to Run Amok Again?

Today, the U.S. House, on a nearly party-line vote, approved HR10, the Financial Choice Act, which is the Wrong Choice for all of us who aren’t Wall Street banks or predatory lenders and would gut the Consumer Financial Protection Bureau, or CFPB. The bill would leave the successful CFPB as an unrecognizable husk incapable of doing its job to protect consumers, homeowners, older Americans, students, servicemembers and veterans. 

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News Release | CALPIRG | Consumer Protection

Report: Debt Collection Abuses Leading Source of Servicemember and Veteran Complaints to CFPB

Debt collection abuses were the leading source (32%) of 44,000 servicemember complaints to the Consumer Financial Protection Bureau, according to a new report. And one of the top five servicemember complaint “hot spots” identified in the report is California’s 925-- zip code region that includes Riverside, Hemet, and Temecula, just north of Camp Pendleton and surrounding the March Air Force Base.   

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Report | CALPIRG Education Fund | Consumer Protection

Protecting Those Who Serve

The men and women who serve in America’s military are also active consumers in America’s financial marketplace, where tricks and traps can cause harm to their finances and their lives. An analysis of more than 44,000 complaints submitted by active duty servicemembers and military veterans to the Consumer Financial Protection Bureau (CFPB) and contained in its Consumer Complaint Database finds that mistreatment of servicemembers by financial companies is widespread.

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News Release | CALPIRG | Consumer Protection

Report: Debt Collection Abuses Leading Source of Servicemember and Veteran Complaints to CFPB

Debt collection abuses were the leading source (32%) of 44,000 servicemember complaints to the Consumer Financial Protection Bureau, according to a new report. And one of the top five servicemember complaint “hot spots” identified in the report is California’s 925-- zip code region that includes Riverside, Hemet, and Temecula, just north of Camp Pendleton and surrounding the March Air Force Base.   

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L'Oréal: Pledge to Be Toxic-Free

Today, CALPIRG, Campaign for Safe Cosmetics (a project of Breast Cancer Prevention Partners (BCPP)), and Safer Chemicals Healthy Families delivered more than 150,000 petition signatures calling on the multinational cosmetic giant L’Oréal USA to eliminate cancer causing chemicals and to disclose its secret “fragrance” chemicals. 

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News Release | CALPIRG | Consumer Protection

Financial "Choice Act" is a Cruel "Choice" for California Consumers

Next Tuesday the House Financial Services Chairman Jeb Hensarling (TX) will hold a mark-up on his so-called Financial Choice Act 2.0. “Californians were hit hard by the financial collapse and now depend on the consumer protections the financial Choice Act would eviscerate,” said Emily Rusch, Executive Director of CALPIRG. “We strongly urge Rep. Waters, Royce, Sherman, and Vargas to vote no.”  

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News Release | CALPIRG | Consumer Protection

New report from leading consumer group shows millions are victims of aggressive tactics from medical debt collectors

The consumer group CALPIRG released the ninth in a series of reports that review complaints to the Consumer Financial Protection Bureau (CFPB).  The latest report explores consumer complaints about medical debt, a major source of problems for consumers, since medical debt items on credit reports are often wrong or about the wrong consumer.  The report also demonstrates the need to defend the CFPB from partisan and special interest attacks.

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News Release | U.S. PIRG | Consumer Protection

Court to Rehear CFPB’s Constitutionality

Statement by Mike Landis, Litigation Director at U.S. PIRG, about today’s decision by the D.C. Circuit Court of Appeals to rehear en banc the panel ruling against the CFPB’s independent leadership. 

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Report | CALPIRG Education Fund | Consumer Protection

Big Credit Bureaus, Big Mistakes

Third CALPIRG Education Fund report that review complaints to the CFPB. 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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Report | CALPIRG Education Fund | Consumer Protection, Higher Ed

Private Loans, Public Complaints

New report, “Private Loans, Public Complaints” is the second in a CALPIRG Education Fund series that analyzes the data in the CFPB’s Consumer Complaints Database, which accepts complaints relating to a variety of financial products and services.

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Report | CALPIRG Education Fund | Consumer Protection

Big Banks, Big Complaints

In this report we explore consumer complaints to the CFPB about bank accounts and services with the aim of uncovering patterns in the problems consumers are experiencing with their banks.

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Report | CALPIRG Education Fund | Consumer Protection

The Future is Calling

CALPIRG Education Fund releases a new report titled explaining how mobile payment systems work while providing consumers with the information they need to best utilize mobile payment systems in a safe and secure way.

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Report | CALPIRG Education Fund | Public Health, Consumer Protection

Comments on the Blue Shield of California Proposal to Increase Small Employer Health Insurance Rates, Effective July 1, 2013.

After analysis of the complete filing – inclusive of the three subsequent submissions – it appears that for the most part, Blue Shield provided sufficient background data for the requested rate increase. However, we note that it took repeated requests for Blue Shield to provide the information necessary to justify the rate increase.

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Blog Post | Consumer Protection

House Launches Frenzy of Attacks on CFPB, Public Protections | Ed Mierzwinski

Today and tomorrow the House floor showcases a variety of special-interest backed bills designed to eliminate public protections and weaken financial reform. Action starts soon with an attempt to override the President's veto of legislation to wipe away a new Department of Labor rule designed to protect hard-earned retirement savings from Wall Streeters seeking their "share" of your own share. Then, the House will consider the massive FSGG Appropriations bill, which rolls back the independence and authority of the CFPB and other financial reforms. Finally, they've teed up a bill to eliminate the Supreme Court's long-standing "Chevron doctrine," which says that courts must defer to expert agencies in certain circumstances. Without the doctrine in place, polluters and wrongdoers will have more opportunities to challenge public protections.

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Video Blog | Consumer Protection

Last Week Tonight with John Oliver: The retirement industry is a minefield -- but here’s the answer

In this week’s episode of “Last Week Tonight,” host John Oliver called out three main problems hurting consumers when it comes to retirement: First, financial advisers aren’t currently required to work in their clients’ best interest. Second, high fees compound over time. Third, actively managed investment funds aren’t the answer. 

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Blog Post | Consumer Protection

Public Interest Bills to Watch in Appropriations Committee this Week | Emily Rusch

On Friday the Appropriations Committee in both houses will be meeting to vote on pending legislation that affects state government finances. Here's a list of public interest bills to watch, all supported by CALPIRG. 

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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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