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Blog Post | Consumer Protection

The CFPB is 4 years old and has a lot to show for it! | Ed Mierzwinski

Tuesday, July 21, marks four years to the day since the Consumer Financial Protection Bureau opened its doors to protect consumers and make financial markets work. We've summarized some of the ways CFPB works for you on a new web page.

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Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

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News Release | US PIRG Education Fund | Consumer Protection

New Report: Mortgage Problems Rank #1 at CFPB for Consumer Complaints

Mortgage problems were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released today by the U.S. PIRG Education Fund. The report also found that Bank of America was the most complained about company in 45 states and Washington, D.C. for mortgage problems.It's the sixth in a series of our reports analyzing nearly 500,000 complaints posted to the CFPB's Public Consumer Complaint Database.

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Report | US PIRG Education Fund | Consumer Protection

Mortgages and Mortgage Complaints

Our sixth report analyzing complaints in the CFPB's Public Consumer Complaint Database evaluates mortgage complaints, the number one source of complaints to the CFPB, totaling 38% of nearly 500,000 complaints posted since 2011.

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News Release | U.S. PIRG | Consumer Protection

We Commend CFPB For Adding Consumer Stories To Public Complaint Database

Yesterday, the CFPB published the first batch (7,700) of consumer narratives or stories to the Public Consumer Complaint Database it began in 2011. We've used the database to publish five reports (so far) analyzing complaint trends in markets ranging from credit cards to student loans but we have also long urged the voluntary addition of stories to the data fields. Now, consumers can learn if what happened to them happened to anyone else. Now, researchers can track which banks are more responsive to particular problems and which ignore their customers. A good resource is now an excellent resource.

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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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News Release | Ohio PIRG | Higher Ed

Interest Rates for 361,857 Student Loan Borrowers in Ohio Set to Double on July 1

COLUMBUS – Unless Congress acts, on July 1, the interest rate for 361,857 student loan borrowers in Ohio will double from 3.4 percent to 6.8 percent. According to an issue brief released today by Ohio PIRG, the rate increase would hike the cost of Ohio students’ loans by $322 million. That translates into a $290 increase in debt per student, per loan.

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News Release | Ohio PIRG | Public Health

New Report Documents a Decade of Safety Violations by Compounding Pharmacies

The contaminated drug that caused last fall’s fungal meningitis outbreak and sickened 20 Ohioans (killing one) and killed 55 people nationally is just the tip of the iceberg of an industry-wide problem, according to a new report released today by Ohio PIRG. The meningitis outbreak was simply the latest and deadliest in a long line of errors and risky practices by compounding pharmacies.

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News Release | Ohio PIRG Education Fund | Transportation

New Report: Reduction in Driving Likely to Continue

COLUMBUS ­­—As the average number of miles driven by Americans heads into its eighth year of decline, a new report from the Ohio PIRG Education Fund finds that the slowdown in driving is likely to continue. Baby Boomers are moving out of the phase in their life when they do the most commuting, while driving-averse Millennials move into that phase. These demographic changes will likely keep driving down for decades, according to the report, “A New Direction: Our Changing Relationship with Driving and the Implications for America’s Future.”

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News Release | Ohio PIRG | Financial Reform

OHIOANS TELL SENATOR PORTMAN TO STOP CODDLING PREDATORY LENDERS AND BLOCKING CONSUMER FINANCIAL PROTECTION

 

That was the message of petitions delivered to Senator Portman today by the Ohio Public Interest Research Group (Ohio PIRG) and Empowering and Strengthening Ohio’s People (ESOP), both members of Americans for Financial Reform (AFR). The petitions, which call on the Senate to confirm Richard Cordray to a full term as director of the Consumer Financial Protection Bureau, bore the signatures of more than 160,000 people, including over 5,000 citizens of Ohio.

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Report | Ohio PIRG Education Fund | Democracy

Outside Spending, Outside Influence

The 2012 elections were by far the most expensive in history thanks primarily to the tidal wave of outside, special interest money triggered by the Supreme Court's Citizens United decision. The federal Senate and House races in Ohio, where outside groups spent nearly $41.3 million, were no exception.

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Report | Ohio PIRG Education Fund | Democracy

Billion-Dollar Democracy

The first presidential election since Citizens United lived up to its hype, with unprecedented outside spending from new sources making headlines.

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Report | Ohio PIRG Education Fund | Tax

Subsidizing Bad Behavior

BP’s recent $4.5 billion legal settlement with the Justice Department for its misdeeds in the Gulf oil spill was historic for being the largest ever criminal settlement. But it was historic for another reason as well—none of it is allowed to be tax deductible. Unfortunately, too many settlements for wrongdoing end up as tax deductions.

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Report | Ohio PIRG Education Fund | Budget

What America Could Do with $150 Billion Lost to Offshore Tax Havens

Many corporations and wealthy individuals use offshore tax havens—countries with minimal or no taxes—to avoid paying $150 billion in U.S. taxes each year.

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Report | Ohio PIRG Education Fund | Consumer Protection

Trouble in Toyland

The 2012 Trouble in Toyland report is the 27th annual Ohio Public Interest Research Group (PIRG) survey of toy safety. In this report, Ohio PIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards.

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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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Blog Post | Consumer Protection

Coalition Launched To Protect Retirement Savings from Wall Street Loopholes | Ed Mierzwinski

We've joined AARP, the Consumer Federation of America, AFL-CIO, Americans for Financial Reform and other leading groups to support an imminent Department of Labor rule to require retirement advisors to put consumers first. Wall Street brokerages and insurance companies have already launched a fierce lobbying attack, since they've been using loopholes to put themselves first to the tune of an estimated $17 billion/year by pocketing what should be your retirement income.

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Blog Post | Financial Reform

Anthem Customers and Others: Some Advice On Steps To Take After Data Breach | Ed Mierzwinski

UPDATED (9 Feb.) Retail store data breaches make a mess, but an easy one to clean up and the few consumers who become fraud victims are quickly made whole. The Anthem hackers, on the other hand, reportedly obtained a mother lode of information that could be used to commit a variety of serious frauds, including obtaining your tax refund. Read our tips here. Here's the first: Don't click on any emails claiming to be from Anthem; some may be malicious.

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Blog Post | Consumer Protection

President Issues Privacy Platform | Ed Mierzwinski

Today the President announced support for a variety of privacy protections, most of which are laudable. However, it remains our view that Congressional consideration of a "uniform national breach notification standard" is unnecessary and, worse, will give powerful special interests an opportunity to use the proposal as a Trojan Horse to enact sweeping preemptive limits on state privacy protections.

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