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

Tucson electricity ratepayers raise alarm about service rollbacks

Tucson Electric Power (TEP) ratepayers are raising the alarm about plans to suspend energy efficiency programs that save ratepayers money. Over three dozen community groups, businesses, trade associations and more than 300 residents signed onto letters to the chair of the Arizona Corporation Commission, which regulates TEP. In the letters, ratepayers urged regulators to help moderate electricity costs by ramping up energy efficiency investments.

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Report | Arizona PIRG Education Fund | Consumer Protection

Protecting those who Serve

The CFPB provides an invaluable service to America’s men and women in uniform. Attempts to weaken or eliminate the CFPB could put those who protect our country in harm’s way, both while serving abroad and here at home, and even threaten national security. The Pentagon has found that financial abuses and credit reporting mistakes can cause service members to lose security clearances, resulting in lower unit preparedness.

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Blog Post | Public Health, Consumer Protection

#KickTheCan: BPA still found in many grocery stores’ canned foods | Dev Gowda

We’re all told to watch out for BPA in drinking bottles and baby products. But how about BPA in the cans that contain our food? A recent study by Center for Environmental Health (CEH) reveals that the toxic chemical BPA is readily found in canned foods. BPAs are often used in the liners of canned food to keep the aluminum from interacting with the food.

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L'Oréal: Pledge to Be Toxic-Free

Today, Arizona PIRG Education Fund, Campaign for Safe Cosmetics (a project of Breast Cancer Prevention Partners (BCPP)), and Safer Chemicals Healthy Families delivered more than 150,000 petition signatures calling on the multinational cosmetic giant L’Oréal USA to eliminate cancer causing chemicals and to disclose its secret “fragrance” chemicals. 

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News Release | Arizona PIRG Education Fund | Consumer Protection

New Report Highlights Consumer Complaints about Medical Debt

A new report by the Arizona PIRG Education Fund and the Frontier Group explores consumer complaints about medical debt, a major source of problems for consumers, since medical debt items on credit reports are often wrong or about the wrong consumer. 

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News Release | Arizona PIRG Education Fund | Consumer Protection

Consumer Group Releases New Report Analyzing Five Years of Air Passenger Complaints

Spirit generates the most complaints among major airlines for its size and generates an increasing number of complaints each year. Other most-complained about firms include Frontier Airlines, United Airlines, and American Airlines.

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News Release | Arizona PIRG Education Fund | Consumer Protection

SURVEY SHOWS STUDENTS OPTING OUT OF BUYING TEXTBOOKS

A survey released by the Arizona PIRG Education Fund shows that 65 percent of student consumers have opted out of buying a college textbook due to its high price, and nearly half say that textbook costs can dictate whether they take a course.

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News Release | Arizona PIRG Education Fund | Consumer Protection

SURVEY SHOWS STUDENTS OPTING OUT OF BUYING TEXTBOOKS

A survey released by the Arizona PIRG Education Fund shows that 65 percent of student consumers have opted out of buying a college textbook due to its high price, and nearly half say that textbook costs can dictate whether they take a course.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Groups Offer Consumer Tips After Target Data Breach

In light of the recent news about Target’s data security breach, the National Consumer Law Center, Consumer Action, and the Arizona PIRG Education Fund offer tips for consumers.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Annual Survey Finds Dangerous Toys on Store Shelves

Dangerous or toxic toys can still be found on store shelves, according to the PIRG’s 28th annual Trouble in Toyland report. The survey of hazardous toys found that despite recent progress, consumers must still be wary when shopping this holiday season.

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland 2006

According to the most recent data from the Consumer Product Safety Commission (CPSC), almost 73,000 children under the age of five were treated in emergency rooms for toy-related injuries in 2005. Twenty children died from toy-related injuries last year.

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Report | Arizona PIRG Education Fund | Consumer Protection

Arizona's Food Safety Net

Protecting the safety and integrity of the food supply is one of the oldest functions of government, one that the American people expect their government to perform and perform well.

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland 2005

“While we can report substantial progress after 20 years of advocacy on behalf of America’s littlest consumers, we are still finding trouble in toyland,” said Diane E. Brown, Executive Director of the Arizona PIRG Education Fund.

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Report | Arizona PIRG Education Fund | Consumer Protection

The Right Start

Toxic chemicals can be found in common baby products, according to a new report released today by the Arizona PIRG Education Fund. “The Right Start: The Need to Eliminate Toxic Chemicals from Baby Products” documents toxic chemicals, including phthalates and polybrominated diphenyl ethers (PBDEs), in teethers, bath books, and sleep accessories.

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Blog Post

Arizonans overwhelmingly embrace the idea of growing the state’s energy efficiency and renewable energy resources and believe clean energy is important to Arizona jobs and the economy, according to a new statewide poll.

News Release | Arizona PIRG Education Fund

The Arizona Corporation Commission voted at its February 6th, 2019 meeting to approve Tucson Electric Power’s (TEP) proposed energy efficiency programming budget of $22.9 million dollars. This approval will allow the Pima County utility to restore programs that have been on hold since their plan was initially released.

News Release | Arizona PIRG Education Fund

The Arizona PIRG Education Fund applauded state utility regulators for today’s important decision to protect ratepayers and consumers by extending a moratorium on new gas generation exceeding 150 megawatts.

Blog Post

Two of the world’s largest automakers, Ford and Volkswagen, announced at the Detroit Auto Show that they’re teaming up to build vehicles together. Although they are starting by developing commercial vans and medium-sized pickups, the companies agreed to "investigate" how they can work together to develop next generation vehicles, such as electric cars. 

News Release | U.S. PIRG Education Fund

While we are glad that Fiat Chrysler is paying something for damaging the health of Americans and deceiving customers, this settlement does not go far enough. It neither ensures these violations of the public trust won’t happen again nor makes consumers whole.

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