Defend the Consumer Bureau

For more than 20 years, Consumer Program Director Ed Mierzwinski has helped us stand up against big banks and credit card companies.

A CONSUMER COP ON THE FINANCIAL BEAT

You work hard to earn your money. You should be able to save, invest and manage your money without fear of being trapped, tricked or ripped off by the institutions you are trusting with your financial future.

That’s why we need strong consumer protections on Wall Street. And from the 2008 economic collapse, we know how big of an impact those institutions can have on our economy when they play fast and loose with our money. It made it clear: Americans need a watchdog agency on Wall Street, devoted to creating and enforcing fair, clear and transparent rules to protect consumers.

So in 2010, we helped create the Consumer Financial Protection Bureau (CFPB) to be our consumer cop on the financial beat.

THE CFPB GETS THE JOB DONE

Despite the fact that the CFPB is not widely known, they’ve been hugely successful at working for consumers, returning nearly $12 billion to more than 29 million people who were ripped off by companies that broke the law … in just six years.

The Consumer Bureau holds big banks, debt collectors and lenders accountable. Here are a few examples of some of the cases the CFPB has taken on to protect consumers:

When American Honda Finance used discriminatory pricing to rip off African-American, Hispanic and Asia/Pacific Island borrowers who paid too much for car loans, the CFPB returned $24 million to these consumers.

The Department of Justice and 47 states joined the CFPB in a $216 million action against JP Morgan Chase Bank for illegal debt collection practices affecting over half a million Americans.

When it was discovered that Wells Fargo employees were opening unauthorized debit and credit accounts using their customer's information, the CFPB fined Wells Fargo $100 million for fraud.

The CFPB fined Equifax and TransUnion — two of the three largest credit reporting agencies — $5 million for selling inflated credit scores to consumers that were different from ones actually used by lenders and returned $17 million to those harmed by the deception.

In addition, the Consumer Bureau has helped level the financial playing field, educating veterans, senior citizens, new homeowners, college students and low-income consumers on how to keep their finances secure.

The Consumer Bureau's success should be earning it applause in Washington. Yet instead of cheering on the agency, the Trump administration and many members of Congress are pushing to weaken or even get rid of it.

Even with the Consumer Bureau on the job, many Americans are still at risk of reckless financial practices that threaten their homes, their retirement savings and their overall well-being. That’s why we don’t simply need the Consumer Financial Protection Bureau to exist: We need to make it even better, by strengthening commonsense consumer protections.

Issue updates

News Release | U.S. PIRG | Consumer Protection

Hack doesn’t absolve Equifax of being careless with consumers’ data

Congress must hold companies accountable for failing to protect condumers' confidential information.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona Public Service to Restore Partial Funding for Energy Efficiency Programs

Yesterday, Arizona Public Service (APS) let the Arizona Corporation Commission know it is willing to partially restore funding for its energy efficiency programs. Energy efficiency advocates wasted no time calling on the Arizona Corporation Commission to move swiftly to approve financial relief for more ratepayers.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Deadly infant products sold after recalls at T.J. Maxx, Marshalls, HomeGoods

The U.S. Consumer Product Safety Commission (CPSC) announced today that discount stores T.J. Maxx, Marshalls and HomeGoods sold 19 different recalled products to consumers between 2014 and 2019. In the case of five products, the stores’ parent company TJX initiated the recall. The products included the Rock ‘N Play and Kids II inclined infant sleepers, which are responsible for a number of fatalities, rattles that can break and pose a choking hazard, and electronics that overheat or explode.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Heartburn medication recalls continue due to carcinogen concerns

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Municipalities Across The Country Are Leading The Way On Electric Buses

A new report from Arizona PIRG Education Fund and Frontier Group highlights municipalities across the country that are making the switch to electric buses and reaping the benefits on dual fronts -- reducing emissions as well as operating expenses.

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News Release | U.S. PIRG Education Fund | Public Health, Consumer Protection

New analysis uncovers unsafe blood pressure medication distributed in US

A new analysis of publicly available information from the FDA by U.S. Public Interest Research Group Education Fund finds only 26 percent of a class of recalled blood pressure medications have been assessed for carcinogen contamiantion -- and the majority had some lots with higher levels than the FDA considers safe.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Latest move by the EPA will result in Americans breathing more unhealthy, polluted air

The Environmental Protection Agency announced it would revoke a waiver that gave California the ability to set its own standards for automobile emissions. The waiver allowed the state to set stricter air quality standards than those imposed at the federal level -- and provided an avenue for Arizona and other states to follow suit. 

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News Release | Arizona PIRG Education Fund | Consumer Protection

Latest move by the EPA will result in Americans breathing more unhealthy, polluted air

The Environmental Protection Agency announced it would revoke a waiver that gave California the ability to set its own standards for automobile emissions. The waiver allowed the state to set stricter air quality standards than those imposed at the federal level -- and provided an avenue for Arizona and other states to follow suit. More than one-third of U.S. auto buyers live in the 14 states plus Washington, DC, that have adopted California’s stricter standards.

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News Release | Arizona PIRG Education Fund | Consumer Protection

WITH UTILITY DISCONNECTION MORATORIUM TO END OCT. 15, CUSTOMERS ARE URGED TO GET ON PAYMENT PLANS

With about a month before a moratorium on utility disconnections ends, two consumer advocacy organizations are reminding customers that they will still be responsible for paying all outstanding bills even if they’ve not been keeping up with payments during the summer.

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Report | Arizona PIRG Education Fund | Consumer Protection

Fixing the Broken Textbook Market

The cost of college textbooks has skyrocketed in recent years. To students and families already struggling to afford high tuition and fees, an additional $1,200 per year on books and supplies can be the breaking point.

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Report | Arizona PIRG Education Fund | Consumer Protection

Fixing the Broken Textbook Market

The cost of college textbooks has skyrocketed in recent years. To students and families already struggling to afford high tuition and fees, an additional $1,200 per year on books and supplies can be the breaking point.

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland

The 2013 Trouble in Toyland report is the 28th annual PIRG survey of toy safety. In this report, the Arizona PIRG Education Fund 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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Report | Arizona PIRG Education Fund | Consumer Protection

Big Credit Bureaus, Big Mistakes

In this report, we explore consumer complaints about credit bureaus with the aim of uncovering patterns in the problems consumers are experiencing with credit reporting.

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Report | Arizona PIRG Education Fund | Consumer Protection

Food Safety Scares 2013

This report offers a snapshot look, from October 2012 to October 2013, at multistate foodborne illness outbreaks identified by the Center for Disease Control and Prevention (CDC). The economic cost of just the multistate outbreaks caused by food products recalled over the past 12 months comes to more than $22 million.

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Blog Post | Consumer Protection

Commissioners: Say No to Proposed APS Bill Increases | Diane E. Brown

As the Arizona Corporation Commission hosts public comment sessions across the state and prepares to vote on the APS rate case, we encourage APS ratepayers to urge the Commission to reject the unjustified rate increase and say no to unfair utility charges.

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Diane Brown

Every year, Arizona PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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Blog Post | Public Health, Consumer Protection

What’s up with the ‘DARK Act’? | Anya Vanecek

The House just passed the Safe and Accurate Food Labeling Act of 2015. This will have major implications for GMO labeling and consumer information about the foods they eat.

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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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News Release | Arizona PIRG Education Fund

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona, commended Chairman Bob Burns and Commissioners Boyd Dunn, Sandra Kennedy, and Lea Marquez Peterson - utility regulators at the Arizona Corporation Commission - for voting yesterday to expand Arizona’s Energy Efficiency Standard through 2030.

News Release | Arizona PIRG Education Fund

Consumer complaints to the Consumer Financial Protection Bureau (CFPB) regarding vehicle loans and leases have increased sharply during the coronavirus pandemic, according to a new report by the Arizona PIRG Education Fund and Frontier Group. The analysis suggests that consumers in Arizona and across the United States are facing abusive and deceptive practices from the automobile lending industry. 

Report | Arizona PIRG Education Fund

A review of consumer complaints to the Consumer Financial Protection Bureau’s Consumer Complaint Database reveals long-standing patterns of abusive and deceptive practices in the automobile industry. The pandemic has brought to light growing auto sales and loan problems.

News Release | Arizona PIRG Education Fund

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona applauded a vote today by utility regulators at the Arizona Corporation Commission to approve energy-saving programs that will provide financial relief to APS ratepayers for months to come. Energy efficiency is widely recognized as the least expensive way to meet Arizona’s energy demand and for lowering customer utility bills, creating local jobs, boosting the state’s economy, saving water, and reducing harmful air pollution.

Blog Post

Here’s a guide to your rights depending on how you pay

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