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

Blog Post | Public Health, Consumer Protection

#KickTheCan: BPA still found in many grocery stores’ canned foods | Dev Gowda

We’re all told to watch out for BPA in drinking bottles and baby products. But how about BPA in the cans that contain our food? A recent study by Center for Environmental Health (CEH) reveals that the toxic chemical BPA is readily found in canned foods. BPAs are often used in the liners of canned food to keep the aluminum from interacting with the food.

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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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Report | CALPIRG Education Fund | Consumer Protection

Medical Debt Malpractice

Millions of Americans are contacted by debt collectors every year over debt related to medical expenses. This review of complaints submitted to the CFPB suggest that many consumers contacted about medical debt should not have been contacted in the first place, and that many contacts involve aggressive or inappropriate tactics.  

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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 | Consumer Protection

Unilever: Go Toxic-Free

On Valentine’s Day, consumer groups thank Unilever for great first step in disclosing fragrance ingredients and call on personal care giant to go toxic-free.

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News Release | U.S. PIRG | Consumer Protection

Executive Orders Threaten CFPB, Other Critical Wall Street Reforms

The President is expected to sign Executive Orders today designed to re-rig the financial system by dismantling critical Wall Street reforms, including to weaken the Consumer Financial Protection Bureau. Our statement in opposition is below.

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News Release | U.S. PIRG | Consumer Protection

PIRG, Consumer Advocates Join Fight to Protect CFPB in Court

Today, U.S. PIRG, Americans for Financial Reform, The Leadership Conference on Civil and Human Rights, the Center for Responsible Lending, Self-Help Credit Union and Maeve Elise Brown, who chairs the CFPB Consumer Advisory Board, filed a motion with the DC Circuit, US Court of Appeals for leave to intervene in PHH vs. CFPB, a lawsuit challenging the CFPB's single-director structure. Today, Senator Sherrod Brown (OH) and Rep. Maxine Waters (CA), ranking members of the Senate Banking and House Financial Services Committees, also filed a similar motion. Earlier this week, 17 state Attorneys General filed a similar motion on behalf of their citizens. 

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Statement on Procter & Gamble’s New Preservative Tracker in Personal Care Products

Personal care product giant Procter & Gamble (P&G) recently unveiled a new preservative tracker, which lets consumers know which preservatives are included in various categories of P&G’s products, such as baby wipes, skin care, and hair care products. Consumers can search the tracker by ingredient or by product type.

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News Release | CALPIRG Education Fund | Consumer Protection

Yahoo Data Breach Presents Opportunity for Strong Response

Although it failed its responsibility to protect its users, Yahoo has an opportunity to provide the most consumer friendly response to likely the largest breach of its kind by alerting its users to the benefits of credit freezes and offering to pay for credit freezes with all three major national credit bureaus.

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Prescription for Danger

New report shows that compounding pharmacies have been exploiting loopholes in the regulatory system for at least a decade.

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Report | CALPIRG Education Fund | Public Health, Consumer Protection

CalHEERS: Protecting Consumer Data by Developing and Implementing Strong Physical, Technical and Administrative Security Safeguards

CALPIRG Education Fund is pleased to provide recommendations on best practices and standards for the development and implementation of strong physical, technical and administrative security safeguards for the CalHEERS data ecosystem.

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Report | CALPIRG Education Fund | Consumer Protection, Health Care

CALPIRG joint letter on Consumer protection for “California Covered”

CALPIRG joins a coalition of consumer advocates in preventing risks to consumers using the new health benefits exchange known as “California Covered.”

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Report | CALPIRG Education Fund | Consumer Protection, Health Care

Comments on the Aetna Life Insurance Company Proposal to Increase Rates

Nearly 70,000 Californians in small group insurance plans will see rate hikes averaging 8%, with some as high as 22%, if the premium rate hike proposed by Aetna Life Insurance Company go forward. After careful analysis of Aetna’s filing, CALPIRG is concerned that Aetna has not provided sufficient information to justify this rate increase.

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Report | CALPIRG Education Fund | Consumer Protection

Trouble in Toyland 2012

Survey Finds Dangerous Toys on Store Shelves. CALPIRG Provides Shopping Tips & Mobile Website To Help Parents Shop Safe.

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Video Blog | Consumer Protection

John Oliver Takes Aim At Credit Reports In 'Last Week Tonight'

Last Week Tonight with John Oliver explained how credit reports play a surprisingly large role in our lives, but even more surprising is how often they contain critical mistakes. John Oliver helps credit bureaus see why this is a problem – and that Judy still hasn’t been able to resolve her mixed up identity.

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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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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 | Consumer Protection

CALPIRG Legislative Bills to Watch | Emily Rusch

With another flurry of policy committee hearings next week, here are the public interest bills CALPIRG is supporting next week in the California Legislature. Links to our letters of support are included in the blog post.

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