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 | Consumer Protection

This week, CFPB Sues TCF Bank for overdraft schemes and loan servicer Navient for "failing" students | Ed Mierzwinski

Despite an escalation of threats to exterminate the Consumer FInancial Protection Bureau, CFPB continues to protect consumers well. This week it sued TCF Bank over deceptive overdraft marketing schemes and it sued Navient, the student loan servicer and Sallie Mae spinoff, for "failing" students at every step of the repayment process. The TCF complaint notes that its CEO brazenly named his boat "Overdraft."

> Keep Reading
Blog Post | Consumer Protection

CFPB Report Finds 1 In 4 Consumers Feel "Threatened" By Debt Collector Tactics | Ed Mierzwinski

We joined Consumer Financial Protection Bureau Director Richard Cordray and Washington, DC Attorney General Karl Racine for release of new CFPB data on debt collector abuses. Fully 1 in 4 consumers feel "threatened" by abusive, possibly illegal, debt collector tactics. The release also included an emphasis on problems with the "debt buyer" industry, comprised of firms that buy older, uncollected debt for as little as less than a penny on the dollar.

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Blog Post | Consumer Protection

This New Year, Celebrate the CFPB | Ed Mierzwinski

This month, we published our 8th report based on analyzing consumer complaints collected in the CFPB's Public Consumer Complaint Database. The release of "Big Banks, Big Overdraft Fees" provides a good year-end opportunity to summarize a few of the reasons to be thankful for the Consumer Financial Protection Bureau, which took over in July 2011 as the first federal regulator with just one job: protecting consumers from unfair financial practices. The idea of the CFPB needs no defense, only more defenders.

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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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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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Why 164 Consumer Groups have called on the Consumer Financial Protection Bureau to Restrict Forced Arbitration Clauses

Reporter Michael Finney from KGO radio interviews CALPIRG Executive Director Emily Rusch about a new proposed rule to allow consumers to sue their banks for wrongdoing. 

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Bill aims to end 'pink' tax' on products

“Girls shouldn’t have to pay more because they like pink, but we know it’s often true,” said Emily Rusch, executive director of the California Public Interest Research Group. “Products can cost more or less from many reasons, but it should not be based on who it is marketed to.”

> Keep Reading
News Release | CALPIRG Education Fund | Consumer Protection

Framework for VW Settlement Announced

Seven months after news of Volkswagen’s emission scandal broke, we're glad to hear that there is a 'framework' for a settlement in the cases related to VW's 567,000 fraudulently marketed, illegally polluting cars. This framework appears to include all of the elements that a deal should include, but the devil will be in the details. 

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay

Leading Groups Send Criteria for Evaluating VW Settlement

Four leading consumer, environmental, and public health organizations wrote an open letter in advance of the April 21st deadline set by U.S. District Judge Charles R. Breyer for a proposal that deals with Volkswagen’s emission scandal.

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10 Reasons We Need The CFPB Now

This report outlines predatory financial practices that hurt consumers and helped collapse the economy, costing us eight million jobs, millions of foreclosed homes and trillions of dollars in lost home and retirement values. It explains these and other emerging problems as “10 Reasons We Need The Consumer Financial Protection Bureau Now.”

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Report | Americans for Financial Reform (AFR) & University of Massachusetts, Amherst | Consumer Protection

How Wall Street Speculation is Driving Up Gasoline Prices Today

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Big Banks, Bigger Fees

Since Congress largely deregulated consumer deposit (checking and savings) accounts beginning in the early 1980s, the PIRGs have tracked bank deposit account fee changes and documented the banks’ long-term strategy to raise fees, invent new fees and make it harder to avoid fees. 

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Big Banks, Bigger Fees

Since bank deregulation began in the early 1980s, the PIRGs and other consumer groups have conducted numerous studies documenting skyrocketing consumer banking fees. Our studies have helped to focus national attention on the problem of skyrocketing bank fees. Our results are substantiated by the results of the Federal Reserve Board's annual fee reports to Congress.

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Report | CALPIRG Education Fund | Consumer Protection, Safe Energy

The Campus Credit Card Trap:

College students are among the most prominent targets for this marketing.   They are young and understand that they need credit to get ahead in the world. Some need credit because of the rising cost of a college education. Finally, most of them are clumped together on campuses that they either commute to or live at. This makes them easy to target.

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Blog Post | Consumer Protection, Make VW Pay

Detroit Auto Show | Kathryn Lee

Marcus and Elisabeth made their way to the Detroit Auto Show over the weekend. As they drove across the country, on a mission to return their TDI to Volkswagen corporate headquarters in Virginia, the couple has been making stops along the way. The just missed Mathias Mueller as he toured the US, stopping at the Detroit Auto Show to try to make amends with customers. Saturday was the first day the show was open to the public. Marcus and Elisabeth first met with press across the street of the event and then went into building, heading straight to the Volkswagen booth.

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Blog Post | Consumer Protection, Make VW Pay

Why VW Must Pay. A View From The Road | Ed Mierzwinski

I've posted a guest post blog entry from Marcus Moench and Elisabeth Caspari on my Huffington Post blog and cross-posted it here. It explains why Marcus and Elizabeth are traveling from Boulder, Colorado to Volkswagen headquarters in northern Virginia to attempt to return their 2010 "defeat-device" Jetta diesel.

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Blog Post | Consumer Protection, Make VW Pay

From the road | Mike Litt

Last week, Marcus and Elisabeth kicked off a cross-country road trip to Volkswagen headquarters in Virginia to make VW pay for misleading consumers and polluting our air. Marcus and Elisabeth own one of the 567,000 diesel vehicles in the U.S. that Volkswagen sold as “clean” but was secretly designed with a “defeat device” to emit as much as 40 times the legal limit for smog-forming pollutants. 

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Blog Post | Public Health, Consumer Protection, Democracy, Food, Transportation

State of the Union: Five Things We’ll Be Listening For | Chris MacKenzie

President Obama has hyped his final State of the Union address as a speech that will help to define his legacy. Here's how he can break new ground.

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