Consumer Protection

LOOKING OUT FOR CONSUMERS

CALPIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 30 years, CALPIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, CALPIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

News Release | CALPIRG Education Fund | Consumer Protection

CALPIRG Recommends Credit Freezes, Now Free for All By Law

Starting today, a new federal law eliminates fees for getting and removing credit freezes across the country at the three nationwide credit bureaus on September 21st. The consumer advocacy group CALPIRG Education Fund recommends getting credit freezes, not the similar locks offered by the bureaus, to prevent new account identity theft.

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News Release | CALPIRG Education Fund | Consumer Protection

New Report: Protecting Consumers One Year After Equifax Breach

Exactly one year ago tomorrow, Equifax announced that hackers had breached its system and accessed the data of nearly 150 million U.S. consumers. To mark the anniversary of that notorious announcement, CALPIRG Education Fund is releasing a report containing suggestions on how Congress, state officials and consumers can safeguard personal information.

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Report | CALPIRG Education Fund | Consumer Protection

Equifax Breach: One Year Later

One year after publicly announcing the worst data breach in history, Equifax still hasn’t paid a price or provided the information and tools consumers need to adequately protect themselves. 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 state and federal action to prevent breaches as bad as this one from ever happening again.

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News Release | CALPIRG | Consumer Protection

Strong Net Neutrality Rules to Protect an Open Internet Passes out of State Assembly

In our increasingly connected world, SB 822 ensures we protect a free and open internet for our future. SB 822 prohibits Internet Service Providers from interfering with consumers’ ability to access content on the Internet, including blocking, impairing or degrading certain content. SB 822 also prohibits ISPs from charging content providers in order to have their content seen by potential customers. Finally, SB 822 prohibits zero rating plans that would benefit some content over other content on the Internet.

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

Is E. Coli contaminated Cargill/Excel beef in your fridge?

Last Thursday, Cargill Meat Solutions recalled more than 25,000 pounds of ground beef products shipped to Colorado and California because of possible contamination with potentially deadly E. coli. Cargill is likely unfamiliar to shoppers as the beef it produces is labeled using other brands, in this case “Excel fresh meat”.

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News Release | CALPIRG | Consumer Protection

California Consumer Privacy Act Signed into law

The massive Equifax data breach and the Cambridge Analytica fiasco created new awareness among consumers about the vulnerability of our personal data to unwanted sharing and access by privacy thieves. California has the right to privacy enshrined in our constitution and the California Consumer Privacy Act takes several steps forward to protecting consumers' personal information.

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News Release | CALPIRG | Consumer Protection

CALPIRG Letter on California Consumer Privacy Act

The California Consumer Privacy Act, AB 375, would incentivize companies to protect our data from privacy thieves and give consumers additional tools to increase our online privacy. CALPIRG is urging the legislature to pass the bill this week, while flagging policy concerns that we hope the legislature will revisit in the near future.

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News Release | CALPIRG | Consumer Protection

California State Senate Votes for Free and Open Internet

Without net neutrality, the Internet, which belongs to everyone and every idea, would be under the control of powerful telephone and cable company gatekeepers.

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News Release | CALPIRG | Consumer Protection

Consumer privacy bill to prevent data breaches passes out of State Senate

The Equifax data breach is the latest example of a company failing to take reasonable security measures with consumers’ personal and financial data. This bill would require companies to pay consumers if their negligence results in a data breach.

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News Release | U.S. PIRG | Consumer Protection

Congress Affirms Need to Stop Debt Trap; Mick Mulvaney Should Follow Suit

Here is our statement on Congress allowing the deadline to pass without repealing the Consumer Financial Protection Bureau's payday lending rule.

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Report | CALPIRG Education Fund | Consumer Protection

Net Neutrality: What’s At Stake & How to Protect It

CALPIRG releases briefing paper on net neutrality, explains its relevance, outlines appropriate regulatory responses, and concludes with a Question & Answer section on net neutrality.

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Report | CALPIRG Education Fund | Consumer Protection

Trouble in Toyland

CALPIRG releases 2013 Trouble in Toyland report, our 28th annual toy safety survey. In this report, CALPIRG 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 | CALPIRG Education Fund | Consumer Protection

Big Credit Bureaus, Big Mistakes

Third CALPIRG Education Fund report that review complaints to the CFPB. 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 | CALPIRG Education Fund | Consumer Protection, Higher Ed

Private Loans, Public Complaints

New report, “Private Loans, Public Complaints” is the second in a CALPIRG Education Fund series that analyzes the data in the CFPB’s Consumer Complaints Database, which accepts complaints relating to a variety of financial products and services.

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Report | CALPIRG Education Fund | Consumer Protection

Big Banks, Big Complaints

In this report we explore consumer complaints to the CFPB about bank accounts and services with the aim of uncovering patterns in the problems consumers are experiencing with their banks.

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Blog Post | Consumer Protection

Will Wells Fargo CEO Tell Senate "No Clawbacks" of Exec's Golden Parachute? | Ed Mierzwinski

Wells Fargo CEO John Stumpf goes before the Senate Banking Committee Tuesday (9/20) to explain the recent $185 million in combined civil penalties by the CFPB and other regulators over a sales goals incentive scandal that led to employees opening some 2 million fake, secret accounts without the knowledge of customers. How will he respond to the growing public clamor for a clawback of bonuses paid his top retail executive Carrie Tolstedt, whose retirement with a $125 million golden parachute package had been announced earlier this summer?

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Blog Post | Consumer Protection

Wall Street Ramps Up Attacks on Wall Street Reform | Ed Mierzwinski

On Friday, the House overwhelmingly approved a Wall Street-driven proposal to weaken oversight of private equity firms, taking a chunk out of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. But wait, there's so much more: On Tuesday the House Financial Services Committee takes up the so-called "Financial Choice Act," which eviscerates most of Dodd-Frank's key reforms, from stripping powers of the Financial Stability Oversight Council to repealing the Volcker Rule, which reins in risky betting practices that use depositors' money. As for the CFPB (which just this week issued its biggest fine to date, $100 million against Wells Fargo Bank for opening hundreds of thousands of fake and secret consumer accounts to meet sales goals), the proposal would defund and defang it and delay or stop its efforts to rein in unfair practices of payday lenders, debt collectors and banks. Many of the Financial Choice Act's provisions also pose threats as budget bill "riders."

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Blog Post | Consumer Protection

Good news! CFPB Adding Consumer Ratings of Company Responses to Complaint Database | Ed Mierzwinski

The CFPB is making a good public consumer complaint database better. In 2015, the CFPB added optional consumer narratives, or stories, to its public consumer complaint database, giving other consumers, researchers and even other firms a new way to help study complaint patterns. Now, it will give consumers a chance to “rate the company’s handling of his or her complaint on a one-to-five scale and provide a narrative description in support of the rating.”

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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

Delayed CFPB/Other Wall Street Reform Rollbacks Happening Today On House Floor | Ed Mierzwinski

Last month the House canceled floor consideration of the Financial Services and General Government Appropriations bill. FSGG is back on the floor today and tomorrow. We urge support of amendments to protect the Consumer Financial Protection Bureau (CFPB) but, since they won't pass, we urge a no vote on the bill. Here's an updated excerpt from my previous blog.

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Blog Post

State PIRGs go to Washington for Consumer Lobby Day

Members of Congress hear repeatedly from lobbyists for corporate special interests in their offices and at fundraisers. How can consumer advocates balance the scales?

Blog Post

Congressional testimony underscores how predatory auto loans are driving Americans into debt

In most of the country, owning a car is all but required. And we're paying for it—to the tune of $1.2 trillion. This is putting the financial well-being of millions of Americans at risk, and CALPIRG and our national network are calling for change.

News Release | U.S. PIRG Education Fund

Fisher-Price recalls nearly 5 million potentially deadly Rock n’Play sleepers

Fisher-Price recalled 4.7 million Rock n’Play baby sleepers on Friday. U.S. PIRG Consumer Watchdog Adam Garber issued a response: "“While we’re pleased that Fisher-Price is finally recalling these dangerous sleepers, 30 deaths in 10 years is 30 deaths too many and 10 years too late."

News Release

Statement on Wells Fargo’s response to “Debit Cards on Campus” report

Read U.S. PIRG's statement on Wells Fargo eliminating some fees for student on debit cards.

News Release | U.S. PIRG Education Fund

California avocados second major recall in less than a week

Henry Avocado Corporation is recalling avocados potentially contaminated with the deadly listeria bacteria. Adam Garber, U.S. PIRG said in a statement: “We are barely getting a chance to breath between recalls."