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 | Arizona PIRG Education Fund | Consumer Protection

New Report: Airlines’ Refund Policies & Scheduling Problems Irk Consumers

When the COVID-19 pandemic turned life upside down in early 2020 and commercial flights came to a near-halt, the U.S. government gave the airline industry $50 billion. Since then, despite surviving because of tax dollars, the airlines repeatedly have canceled and delayed flights, denied refunds and failed at customer service, according to complaints filed with the U.S. Department of Transportation (DOT).

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Report | Arizona PIRG Education Fund | Consumer Protection

Not First Class: Flyer complaints soar as airlines cancel flights, deny refunds, ruin plans

Not First Class: Flyer complaints soar as airlines cancel flights, deny refunds, ruin plans, a new report released by the Arizona PIRG Education Fund, analyzed more than 200,000 DOT complaints going back to 2016 and found the airline industry is failing its customers.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona Corporation Commission Adopts Policies Related to Utility Disconnections

After two years of deliberations, today the Arizona Corporation Commission voted to adopt a rule that sets a series of policies in place related to when electric and gas utilities in Arizona can disconnect a customer’s service in the summer.

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Blog Post | Consumer Protection

How I got my finances in order | Mike Litt

Even with the knowledge I’ve gained working as a consumer advocate for several years, getting my finances in order has been a work in progress. 

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Blog Post | Consumer Protection

How I started my estate and end-of-life planning | Mike Litt

Until recently, I did not have estate and end-of-life planning in mind, but it was the natural next step in my quest to be a responsible adult, with a nudge from the existential threat of the COVID-19 pandemic.

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News Release | Arizona PIRG Education Fund | Consumer Protection

New Report: The Hidden Costs of Peer-to-Peer Payment Apps

Consumer complaints about peer-to-peer (P2P) payment apps such as PayPal, Venmo and Square have surged during the pandemic year. In April, there were 970 digital wallet complaints — almost double the previous monthly high from July 2020. Arizona PIRG Education Fund analyzed this growing problem for Virtual Wallets, Real Complaints, a new analysis of the Consumer Financial Protection Bureau’s (CFPB’s) Consumer Complaint Database.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Report: Getting Off The Hook Of A Predatory Tow In Arizona

Arizona PIRG Education Fund’s latest report “Getting Off The Hook of a Predatory Tow” highlights 14 common sense towing protections that the organization believes should be available to consumers in every state. The report outlines protections ranging from who is responsible for damages caused by careless towing, to the maximum rates and fees owed when towed, to whether an individual is guaranteed the option to pay by credit card.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Corporation Commission Revives Energy Rules: Groups Applaud Bipartisan Vote to Enact Consumer Protections, Cut Electricity Bills

Earlier this month, when the Arizona Corporation Commission voted to kill its comprehensive Energy Rules, the Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona denounced the decision. Today, those very same organizations applauded the Commission for reviving its Energy Rules and voting to extend and expand Arizona’s successful Energy Efficiency Standard.

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News Release | Arizona PIRG Education Fund | Consumer Protection

New Report Shows How Electrifying Buildings Could Transform The Energy System

Arizona could see a critical reduction of gas usage and greenhouse gas emissions if it electrifies buildings during the next 30 years, according to a report released today by Arizona PIRG Education Fund and Frontier Group. The report, Electric Buildings: Repowering Homes and Businesses for Our Health and Environment, outlines how overcoming key barriers standing in the way of widespread building electrification can improve public health and benefit consumers.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona Corporation Commission Kills Critical Consumer Protections: Fails to Save Energy, Cut Electricity Bills

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona, denounced yesterday’s action by the Arizona Corporation Commission to kill its Energy Rules, including critical consumer protections to cut utility costs that would have expanded Arizona’s Energy Efficiency Standard through 2030.

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Report | Arizona PIRG Education Fund | Consumer Protection

Equifax Breach: 1 Year Later – How to Protect Yourself Against ID Theft & Hold Equifax Accountable

The purpose of this report is to make sure consumers have the information they need to protect themselves as much as possible, review what has happened in the last year, and point out the need for Congressional action to prevent breaches as bad as this one from ever happening again. 

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Report | U.S. PIRG Education Fund | Consumer Protection

Trouble in Toyland 2017

For over 30 years, U.S. PIRG Education Fund has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

Toys are safer than ever before, thanks to decades of work by product safety advocates, parents, the leadership of Congress, state legislatures, and the Consumer Product Safety Commission (CPSC). 

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Report | U.S. PIRG Education Fund | Consumer Protection

Lead In Fidget Spinners

While lead in toys has become less prevalent in recent years, U.S. PIRG Education Fund tested several models of one of today’s hottest toys, fidget spinners, for the toxic heavy metal. Laboratory results indicated that two fidget spinners purchased at Target and distributed by Bulls i Toy, L.L.C. contained extremely high levels of lead. U.S. PIRG Education Fund calls on Target and Bulls i Toy to immediately recall these two fidget spinners and investigate how such high levels of lead were found in these toys. Also, we call on the U.S.

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Report | Arizona PIRG Education Fund | Consumer Protection

Older Consumers in the Financial Marketplace: An Analysis of Complaints, and Results, From the CFPB

Older consumers are at risk of harm from predatory financial behavior. An analysis of more than 72,000 financial complaints submitted by older consumers (those 62 years of age and older) to the Consumer Financial Protection Bureau (CFPB, or Consumer Bureau) and contained in its Consumer Complaint Database suggests that mistreatment of older consumers by financial companies is widespread.

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Report | Arizona PIRG Education Fund | Consumer Protection

Guidance for Utilities Commissions on Time of Use Rates

As rapidly evolving renewable and energy efficiency technologies and economics drive ongoing transformation of America’s power sector, advocates from consumer, clean energy and environmental organizations are working together to provide guidance for utilities commissions and other stakeholders grappling with issues of electricity rate design.

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Blog Post | Consumer Protection

Study: More Electric Vehicles Means More Savings for Arizonans | Diane Brown

Electric vehicles are the gift that keeps giving. Electric vehicles help cut consumer energy bills and boost the economy while protecting air quality and public health. According to a new groundbreaking study, if Arizonans register just one million more electric vehicles in our state by 2050, consumers and our economy would reap $3.6 billion or more in statewide benefits. If 90 percent of vehicles on our state’s roads are electric by 2050, our state could accrue $31 billion in benefits, with the average Arizona household saving an estimated $176 per year on their utility bills.

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Blog Post | Consumer Protection

Getting good data on rate designs is worth the effort | Diane Brown

There’s been good national conversation in recent years around the need for transparency and responsiveness from electric utilities and regulators when it comes to data on rates and pilots, assessing impacts on consumers, and consumer outreach and education. At the local level, though, it can take quite a bit of work to turn guidelines into reality. 

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Blog Post | Consumer Protection

Tucson Unanimously Adopts the 2018 International Energy Conservation Code | Aaron Kane

Last night, Mayor Rothschild and the Tucson City Council unanimously adopted the 2018 International Energy Conservation Code as recommended by the Tucson-Pima County Joint Consolidated Code Committee. The Committee’s recommendation was developed as a result of a rigorous, ten-month-long stakeholder process open to all interested participants. We are quite pleased with this vote.

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Blog Post | Consumer Protection

Let's Celebrate Energy Efficiency | Aaron Kane

Energy Efficiency Day celebrates and recognizes energy efficiency as the quickest, cheapest, and cleanest way to address our growing energy needs. With technological advances and increased energy consciousness, consumers now have more ways than ever to make our homes and businesses more efficient, reduce our energy usage, and save money on our electric bills.

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Blog Post | Consumer Protection

ID Theft & Privacy Checklists | Mike Litt

Today, we're releasing our revamped Identity Theft and Online Privacy resources.

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News Release | Arizona PIRG Education Fund

According to a new report by the Arizona PIRG Education Fund, “Ringing in our Fears”, a year after a new federal law aimed at fighting robocalls went into place, the number of phone companies that have adopted the required technology has quadrupled and the volume of scam robocalls has dropped in half. But the Arizona PIRG Education Fund said that spam texts have increased more than tenfold as con artists and identity thieves find alternative ways to steal Americans’ personal information and money.

Report | Arizona PIRG Education Fund

According to a new report by the Arizona PIRG Education Fund, one year after a new law, robocalls are down and phone company compliance is up. However, robotexts are skyrocketing.

News Release | Arizona PIRG Education Fund

According to a new report by the Arizona PIRG Education Fund and Frontier Group, gas pipeline incidents across the U.S. were serious enough to require reporting to the federal government at the equivalent of one every 40 hours from 2010 through nearly the end of 2021. 

Report | Arizona PIRG Education Fund

A new Arizona PIRG Education Fund and Frontier Group report documents that gas pipeline incidents across the U.S. were serious enough to require reporting to the federal government at the equivalent of one every 40 hours from 2010 through nearly the end of 2021. Of the nearly 2,600 incidents reported between 2010 and 2021, 850 resulted in fires and 328 in an explosion. Those incidents killed 122 people and injured more than 600. The total costs to communities from items such as property damage, emergency services, and the value of intentionally and unintentionally released gas, totaled nearly $4 billion.

News Release | Arizona PIRG Education Fund

Consumer, public health, community, business, environmental, clean energy, and faith-based entities along with residents of Randolph and SRP ratepayers applauded the Commission for once again rejecting Salt River Project’s proposal to add 16 gas units at a cost of nearly $1 billion in ratepayer money.

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