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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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Blog Post | Financial Reform

The More I Hear About OPM Data Breach, The Less I Know, Except This: It's Bad | Ed Mierzwinski

Was it 4 million, 14 million or 18 million records breached (how many times) (likely) by Chinese hackers? Whose fault was it? The USOPM director says no one's. Really? Perhaps the worst data breach ever raises lots of questions, but I haven't heard any good answers. Federal employees, their families, their friends and their neighbors -- because all of them could be victims -- deserve better answers, just as they deserve better service than USOPM's credit monitoring provider is giving them.

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Blog Post | Consumer Protection

Hill Threats to CFPB Escalate As CFPB Protects Consumers, Servicemembers | Ed Mierzwinski

Today, the House Appropriations Committee, at the behest of both Wall Street and predatory lenders seeking to run amok, will vote to eliminate the CFPB's independence from the politicized appropriations process. Meanwhile, over at the CFPB, important work to protect consumers, including servicemembers, from unfair and predatory financial practices continues.

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Blog Post | Consumer Protection

Data Breach Here, Data Breach There, Data Breach Everywhere! | Ed Mierzwinski

UPDATED 10 June Re DHS Breach: If you shop with plastic, have health insurance, pay taxes, work for the federal government, or (fill in blank) you’re at risk of a data breach. And with so much information about you already available on the Internet, it’s best not to select easy-search security questions like “Where were you born?” or answers like “Pizza.” What’s your best defense against identity theft? No, it isn’t credit monitoring, it’s a security freeze.

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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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News Release | Ohio PIRG | Transportation

Ohio PIRG Supports Overturning Cincy Parking Plan

With this many red flags, the parking proposal poses too many threats to the public interest and provides too little transparency. Cincinnatians should reverse the parking proposal on the ballot this November.

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Media Hit | Financial Reform

Cordray, bureau deserve support from senators

It is time for Cordray’s opponents to back off and let the CFPB do its job.

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Bipartisan support growing for Brown plan to breakup large banks

WASHINGTON — During the final days of intense debate in 2010 over a bill aimed at preventing another financial meltdown such as the one in 2008, Sen. Sherrod Brown pressed for an amendment that would break up the biggest banks in country.

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News Release | Ohio PIRG | Tax

Offshore Tax Havens Cost Average Ohio Taxpayer $700 a Year, Ohio Small Business $2,361

April 4, COLUMBUS – With Tax Day approaching, it’s a good time to be reminded of where our tax dollars are going. Ohio PIRG was joined today by Brian Rothenberg of ProgressOhio to release a new study which revealed that the average Ohio taxpayer in 2012 would have to shoulder an extra $700 in taxes to make up for the revenue lost due to the use of offshore tax havens by corporations and wealthy individuals.

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Report | U.S. PIRG, Demos | Democracy

Distorted Democracy: Post-Election Spending Analysis

A new analysis of data through Election Day from the Federal Election Commission (FEC) and other sources by U.S. PIRG and Demos shows how big outside spenders drowned out small contributions in 2012: just 61 large donors to Super PACs giving an average of $4.7 million each matched the $285.2 million in grassroots contributions from more than 1,425,500 small donors to the major party presidential candidates. 

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Report | Ohio PIRG Education Fund | Financial Reform

Bigger Banks, Bigger Fees

Over the last six months, state PIRG staff conducted inquiries at 250 bank and 116 credit union branches in 17 states and the District of Columbia and reviewed bank fees online in these and 7 other states.

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Report | Ohio PIRG Education Fund | Transportation

Eight Questions about the Future of the Ohio Turnpike

The State of Ohio recently spent $2.85 million to commission KPMG to analyze different possibilities for borrowing against future toll revenue to the Ohio Turnpike, including privatization. Will the study fairly portray the state’s options with the downsides and upsides? Here the Ohio PIRG Education Fund presents the eight questions Ohioans most need to ask.

 

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Report | Ohio PIRG Education Fund | Consumer Protection

Total Food Recall

Over the past few years, Americans have grown accustomed to seeing headlines about tainted food being recalled and pulled off store shelves. This is unacceptable.

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Report | Ohio PIRG Education Fund | Democracy

Million Dollar Megaphones

With presidential and senate campaigns heating up and Ohio named as a battleground state, millions in secret money is expected to flow into the state to influence the votes of Ohioans. Much about who funds these efforts and how this funding is spent remains a mystery, according to a report analyzing the latest campaign filings.This report provides a detailed analysis of Federal Election Commission (FEC) data and secondary sources on outside spending and Super PAC fundraising for 2012 election cycle.

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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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Blog Post | Financial Reform

House Floor Vote on Budget Delayed over Special Interest "Riders" From Wall Street, Other Powerful Interests | Ed Mierzwinski

UPDATED: Opposition to a controversial provision authored by Citibank forced House leaders to delay consideration of the "CRomnibus" appropriations package just hours before funding for the federal government expired at midnight Thursday. Eventually the bill passed narrowly with the Wall Street provision intact. Action now shifts to the Senate, which has a 48-hour window to pass the bill, but any one Senator can block it under Senate rules. The provision would again allow Wall Street banks to place risky bets with taxpayer-backed funds, and require taxpayers to bail them out if the bets fail, repealing a key protection added in the 2010 Wall Street reform law. 

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Blog Post | Consumer Protection

The CFPB at Three: A Child Prodigy | Ed Mierzwinski

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Democracy

IRS Scandal Highlights Need for Increased Transparency in Campaign Financing | Tabitha Woodruff

 

The IRS’s incomplete actions represent both an embarrassment to the agency and a threat to democracy. Furthermore, the rest of the federal government should use its authority to shine the light on dark money—the FEC must enforce its rules, the SEC must require business corporations to disclose their political spending, and Congress must pass legislation to ensure that every dollar spent on elections is disclosed to the public.

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Blog Post | Health Care

The Supreme Court and the High Cost of Rx Drugs | Tabitha Woodruff

Everyone knows prescription drugs cost much more than they should. But I find many people are surprised to learn about one of the key ways drug companies keep prices high:  Paying off competitors to keep generics off the market. On Monday, the Supreme Court heard arguments in a case about this very practice.

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