Reports

Report | CALPIRG Education Fund | Democracy

Contribution Limits And Competitiveness

For years, academics, political theorists, and campaign finance reformers have debated the causal relationship between campaign contribution limits and the outcome of elections. Some argue that limiting campaign contributions amounts to "incumbent protection;" others contend that limits make challengers more competitive. This study is the first of its kind to comprehensively examine the states with contribution limits and empirically measure changes in competitiveness. Based on an analysis of 30,000 elections in 45 states, this study found that campaign contribution limits slightly favor challengers by reducing the incumbent margin of victory.

Report | CALPIRG Education Fund | Consumer Protection

Common Sense Accounting Reforms For California Investors And Taxpayers

The California marketplace is plagued by increasing conflict-of-interest problems that lead to inaccurate corporate audits, an upsurge in “earnings restatements”, and a loss of investor confidence.

Report | CALPIRG Education Fund | Consumer Protection

Rent-A-Bank Payday Lending:

One consequence of deregulation of interest rates, high credit card interest rates and high bank fees has been the rapid growth of the alternative financial services (or fringe banking) industry, which includes check cashing outlets, payday loan companies, rent-to-own stores, high cost second mortgage companies, sub-prime auto lenders, traditional pawn shops and the growing business of auto title pawn companies. This report examines payday lending in detail.

Report | CALPIRG Education Fund | Democracy

Election, Inc.

The presence of corporate money in California politics is one of the biggest challenges facing our democracy. The federal government has long realized that corporations, as fundamentally economic institutions, have no place in the political process. Corporate contributions to federal candidates were banned in 1907. Since then, 21 states (Alaska, Arizona, Connecticut, Iowa, Kentucky, Massachusetts, Michigan, Minnesota, Montana, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, West Virginia, Wisconsin, and Wyoming) have joined the federal government in this judgment. Unfortunately, California has not yet done so, and continues to allow direct corporate contributions to candidates and parties.

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