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Blog Post | Financial Reform

It Makes No Sense to Eliminate Successful CFPB, Weaken Wall Street Reforms | Ed Mierzwinski

The successful CFPB turns 6 years old tomorrow, July 21. It's already returned nearly $12 Billion to over 29 million consumers harmed by unfair financial practices. Here is a birthday look at the Consumer Bureau's body of work so far and why it makes no sense for Congress to roll it back at the request of Wall Street lobbyists and other special interests.

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Blog Post | Financial Reform

Telco, Cable Guys Assault State Broadband Privacy Efforts, Sacramento Key Battleground | Ed Mierzwinski

After the new FCC chair and Congress rolled back pending Obama-era broadband privacy rules applying to collection and use of your personal information by Internet Service Providers (generally large telephone and cable companies) the states (and some cities) moved to replace protections. AT&T, Verizon and Comcast swiftly sent lobbyists out around the nation to quash the efforts. This week, Sacramento is under siege by a phalanx of ISP lobbyists as a key California proposal, AB375 (Chau) is considered. Key Senate committee votes occur Tuesday.

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Blog Post | Public Health

Testing School Drinking Water for Lead – Stronger Guidelines Needed in California | Jason Pfeifle

When it comes to lead and school drinking water, what we don't know can hurt us, and in this case, hurt our kids. Lead is highly toxic to children, and even small exposures to this neurotoxin can have life-altering effects on children's overall development. Out of concern for children's health, the California State Water Board recently launched a new initiative requiring local water districts to provide free lead tests to schools that request them.

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News Release | U.S. PIRG | Financial Reform

Statement On CFPB's Rule Restoring Rights To Take Wrongdoers To Court

Financial wrongdoers have long used mandatory arbitration clauses buried in small-print, take-it-or-leave-it contracts to prevent consumers from banding together to have their day in court. Our statement on the CFPB's important new rule restoring consumer rights to join class actions follows.

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News Release | CALPIRG | Tax

CALPIRG Applauds Introduction of Bill to End Anonymous Shell Companies

 

This Wednesday, Representatives Peter King (R-NY) and Carolyn Maloney (D-NY) introduced the Corporate Transparency Act (H.R. 3089). Senators Chuck Grassley (R-IA) and Sheldon Whitehouse (D-RI) also introduced their companion bill, the True Incorporation Transparency for Law Enforcement (TITLE) Act (S. 1454). CALPIRG applauds the introduction of these bills, which would put an end to anonymous shell companies in the U.S.

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News Release | Democracy

Our Statement Regarding the President’s “Commission on Election Integrity”

Read CALPIRG's statement on the President's establishment of an "Advisory Commission on Election Integrity."

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News Release | Health Care

Great News for Consumers: Anthem Drops Bid to Take Over Cigna

This morning, health insurance giant Anthem dropped its troubled bid to take over one of its top competitors, Cigna. A February district court decision to block the proposed merger on anti-trust grounds was recently upheld by the DC Circuit Court of Appeals, but with Anthem’s decision today, this anti-competitive takeover bid is finally laid to rest. This development comes after months of work by CALPIRG and a broad coalition of consumer and health care groups, urging close scrutiny of the merger from state and federal regulators and raising questions and concerns about the potential impact on consumers.

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L'Oréal: Pledge to Be Toxic-Free

Today, CALPIRG, 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 | U.S. PIRG | Financial Reform

Statement on House Financial Services Committee Passage of HR 10, the Wrong Choice Act

Today, the House Financial Services Committee approved HR 10, the so-called Financial Choice Act, on a straight party-line vote. We call it the Wrong Choice Act. The bill eviscerates the successful CFPB, which has returned $11.8 Billion to over 29 million consumers in less than six years. The bill repeals much of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act enacted to protect us after the 2008 financial collapse. Our statement is below.

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News Release | U.S. PIRG | Health Care

Our Statement on House Passage of the American Health Care Act

Today’s House vote is a big step in the wrong direction for American consumers and the American health care system. It’s no secret that there are plenty of problems with health care in America, but the AHCA in its current form not only won’t address the real problems in our health care system—it is likely to make them worse.

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Report | CALPIRG | Democracy

The Cost of Running for US Senate in California

A comparison of fundraising practices for a U.S. Senate seat in California under current law and how fundraising could change if the Fair Elections Now Act became law.

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Report | CALPIRG | Democracy

The Money Chase: Moving from Big Donor Dominance in the 2014 Midterms to a Small Donor Democracy

Five years after the Supreme Court’s 2010 Citizens United v. FEC decision, what are the roles of large donors and average voters in selecting and supporting candidates for Congress? This report examines the role of money in the 2014 congressional elections from both quantitative and qualitative perspectives, and demonstrates how matching small political contributions with limited public funds can change the campaign landscape for grassroots candidates.

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Report | CALPIRG Education Fund | Health Care

Health Insurance Rate Watch: Comments on the Anthem Blue Cross Life and Health Insurance Company Proposal

Anthem Blue Cross Life and Health Insurance Company has proposed increasing rates on April 1, 2015 for nearly170,000 people who obtain their health insurance through 28 grandfathered plans offered by Anthem. CALPIRG Education Fund's Health Insurance Rate Watch project reviewed Anthem’s filing documents and found that Anthem failed to provide adequate justification for its proposed rate increase. 

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Report | CALPIRG Education Fund | Health Care

Health Insurance Rate Watch: Comments on Blue Shield Rate Filing

Blue Shield has proposed rate increases as high as 9.7 percent for policyholders in its “grandfathered” health insurance plans, those that were established before the Affordable Care Act was signed into law, affecting 40,070 Californians currently covered under the plans. CALPIRG Education Fund's Health Insurance Rate Watch project reviewed Blue Shield's rate filing and raised a number of questions and concerns to the California Department of Insurance. 

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Report | CALPIRG Education Fund | Consumer Protection

Trouble in Toyland 2014

Among the toys surveyed this year, we found numerous choking hazards and five toys with concentrations of toxics exceeding federal standards. In addition to reporting on potentially hazardous products found in stores in 2014, this installment of the report describes the potential hazards in toys and children’s products.

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Blog Post | Health Care

PIRG applauds decisions blocking health insurance mega-mergers | Jesse Ellis O'Brien

This week, in a big win for consumers, a district court took action to block the proposed merger between health insurance giants Anthem and Cigna. This decision follows a ruling last month that blocked the proposed merger of two more of the nation’s biggest for-profit health insurers, Aetna and Humana. These decisions come after months of work by U.S. PIRG and a broad coalition of consumer and health care groups, urging close scrutiny of the mergers from state and federal regulators and raising questions and concerns about the potential impact of the mergers.

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Blog Post | Democracy

Call your representative and senators every day. Here's how. | Andre Delattre

There’s a lot unfolding in Washington, D.C., right now, and you may be wondering: “What can I do to voice my concerns?”

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Blog Post | Consumer Protection

This week, CFPB Sues TCF Bank for overdraft schemes and loan servicer Navient for "failing" students | Ed Mierzwinski

Despite an escalation of threats to exterminate the Consumer FInancial Protection Bureau, CFPB continues to protect consumers well. This week it sued TCF Bank over deceptive overdraft marketing schemes and it sued Navient, the student loan servicer and Sallie Mae spinoff, for "failing" students at every step of the repayment process. The TCF complaint notes that its CEO brazenly named his boat "Overdraft."

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Blog Post | Consumer Protection

CFPB Report Finds 1 In 4 Consumers Feel "Threatened" By Debt Collector Tactics | Ed Mierzwinski

We joined Consumer Financial Protection Bureau Director Richard Cordray and Washington, DC Attorney General Karl Racine for release of new CFPB data on debt collector abuses. Fully 1 in 4 consumers feel "threatened" by abusive, possibly illegal, debt collector tactics. The release also included an emphasis on problems with the "debt buyer" industry, comprised of firms that buy older, uncollected debt for as little as less than a penny on the dollar.

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Blog Post | Financial Reform

CFPB Slams Two Credit Bureaus For Deceptive Marketing, Expect Experian Next | Ed Mierzwinski

This week, the Consumer Financial Protection Bureau nailed two "big 3" credit bureaus --Trans Union and Equifax -- for deceptive marketing of their over-priced, under-performing credit monitoring subscription products.  Combined fines and consumer restitution total $23 million. I predict that the CFPB will also bring a case against the remaining bureau, Experian, and that it will pay much more, because Experian really has led the way in aggressively marketing these tawdry products. They don't prevent identity theft, nor do they always accurately disclose your credit score, at fees of up to $16.95/month or more. Yikes!

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DEFEND THE CFPB

Tell your senators to oppose the “Financial CHOICE Act,” which would gut Wall Street reforms and destroy the Consumer Financial Protection Bureau as we know it.

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