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Blog Post | Financial Reform

As NY Brings Credit Bureaus To Heel, CFPB Arbitration Study Paves Way Toward New Protections | Ed Mierzwinski

Two big consumer stories so far this week offer hope to consumers victimized by credit bureau errors and, more generally, by an inability to take credit bureaus, credit card companies, banks or payday lenders to court when harmed. On Monday, New York's Attorney General Eric Schneiderman signed a groundbreaking agreement with the Big Three credit bureaus, Equifax, Trans Union and Experian. Then today, the CFPB released a report finding that consumer legal rights are infringed by small-print forced arbitration clauses in credit card and other contracts.  The CFPB will hold a webcast public hearing at 11am Eastern time today (Tuesday) to discuss the report's findings and next steps.

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Media Hit | Financial Reform

Credit Bureaus’ Deal to Improve Accuracy ‘Huge’ for Consumers

(Bloomberg) -- Buying homes, getting jobs and borrowing money will be easier after an agreement by the three biggest U.S. consumer credit reporting services with New York.[...] “It’s a sea change in the way the credit bureaus treat complaints,” said [U.S. PIRG's Ed] Mierzwinski. “The credit bureaus have been run by computers for years now. They’re going to have to hire more people and actually verify that what a creditor said is true.”

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Blog Post | Financial Reform

Is Anyone Protecting Your Privacy Or Wallet? Turbotax? Anthem? Apple? The Government? | Ed Mierzwinski

As if recent privacy breaches at the online tax preparer Turbotax and the health insurer Anthem weren't enough, it turns out that low-tech hacks can trick the vaunted Apple Pay system into giving up cash to thieves, too. Meanwhile, while the administration's blueprint for a Privacy Bill of Rights in 2012 was excellent, its new legislative draft from the Department of Commerce could have been written by the U.S. Chamber of Commerce. There is some good news on privacy, though.

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Blog Post | Consumer Protection

As House Holds Oversight Hearing, 340 Groups Call For Defense of CFPB | Ed Mierzwinski

Today, Consumer Financial Protection Bureau Director Richard Cordray will present the CFPB's sixth semi-annual report to the House Financial Services Committee, whose majority members have been harsh critics of the successful consumer agency. Americans for Financial Reform, joined by the state PIRGs and a total of 340 national, state and local groups, sent Congress a letter explaining why the idea of the CFPB needs no defense, only more defenders.

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News Release | U.S. PIRG | Consumer Protection


Today the FCC took not one but two critical actions to make sure that the Internet works for everybody. First, it issued a "Net Neutrality" order guaranteeing a free and open Internet. This Internet freedom order will prevent the phone and cable companies from granting fast lanes or other preferences to already powerful firms. The FCC also acted to override state laws that prevented local governments from building out broadband networks to compete with the phone and cable companies.

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News Release | Ohio PIRG

House Poised to Approve Bill Continuing Giant Giveaways to Big Agribusiness

Statement of Tabitha Woodruff, Ohio PIRG Advocate, on the Farm Bill being voted on by the U.S. House.

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News Release | Ohio PIRG | Health Care

Twenty Top Generic Drugs Delayed By Industry Payoffs

Ohioans with cancer, heart disease, epilepsy and other conditions have been forced to pay an average of 10 times more than necessary for at least 20 blockbuster drugs, according to a report released today by the Ohio Public Interest Research Group (Ohio PIRG) and Community Catalyst.

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News Release | Ohio PIRG | Higher Ed

Interest Rates for 361,857 Student Loan Borrowers in Ohio Double

Columbus, Ohio – Due to Congressional inaction, the interest rates on federally subsidized student loans doubled on July 1 from 3.4 percent to 6.8 percent. The change will affect 361,857 students in Ohio, and increase student debt by $890 per student, per loan.  However, because most new student loans are issued in August and September, Congress can still pass a retroactive fix. 

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News Release | Ohio PIRG | Democracy

Sens. Udall, Tester Introduce Constitutional Amendments to Overturn Citizens United, Get Big Money Out of Elections

We applaud the efforts of Senators Udall and Tester to correct the dangerous misinterpretations of the First Amendment in the Supreme Court’s Citizens United and Buckley v. Valeo decisions.

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News Release | Ohio PIRG | Public Health

Big Pharma’s Pay-for-Delay Deals Take a Hit

Big Pharma’s controversial “pay-for-delay” agreements took a hit today. In FTC v. Actavis, the U.S. Supreme Court ruled that the FTC’s case against the payoff keeping generic AndroGel from the market can move ahead in the lower courts.

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Report | Ohio PIRG | Higher Ed

Student Loan Debt in Ohio

If Congress fails to act, on July 1 the interest rate on subsidized Stafford student loans will double, from 3.4 percent to 6.8 percent. Last year, President Obama and Congress extended the low rate for one year.

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Report | Ohio PIRG | Public Health

Prescription for Danger

The fungal meningitis outbreak caused by contaminated steroid injections that killed 55 people to date and sickened more than 740 is one of the worst public health disasters the nation has seen in recent history. The tainted injections came from a drug manufacturer doing business as a “compounding pharmacy,” a classification which allowed them to evade the system of safety rules, inspections, and oversight that keep our drug supply safe.

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Report | Ohio PIRG Education Fund | Transportation

A New Direction

The Driving Boom – a six decade-long period of steady increases in per-capita driving in the United States – is over.

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Report | Ohio PIRG | Tax

Picking Up the Tab 2013

Some U.S.-based multinational firms and individuals avoid paying U.S. taxes by using accounting tricks to shift profits made in America to offshore tax havens—countries with minimal or no taxes. They benefit from their access to America’s markets, workforce, infrastructure and security; but they pay little or nothing for it—violating the basic fairness of the tax system and forcing other taxpayers to pick up the tab.

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Report | Ohio PIRG Education Fund | Budget

Following the Money 2013

Every year, state governments spend tens of billions of dollars through contracts with private entities for goods and services, subsidies to encourage economic development, grants, and other forms of spending. Accountability and public scrutiny are necessary to ensure that state funds are well spent.

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