Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

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

Issue updates

News Release | CALPIRG | Consumer Protection

Legislative Hearing on the Equifax Data Breach: Impacts and Future Precautions

Today the Assembly Committees on Banking and Finance and Privacy and Consumer Protection, and the Select Committee on Cybersecurity, held a legislative hearing on the Equifax data breach. Executive Director Emily Rusch was invited to testify at the hearing on the implications for consumers.

> Keep Reading
News Release | CALPIRG | Public Health, Consumer Protection

San Francisco Moves to Ban Toxic Flame Retardants in Furniture and Children's Products

Today at a committee hearing, San Francisco Supervisors voted to ban toxic flame retardant chemicals in furniture and children's products, moving the bill forward for consideration by the full board. At CALPIRG, we applaud this move.

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California’s new drug price law is a win for consumers nationwide

Today, California Governor Jerry Brown signed Senate Bill 17 into law, a groundbreaking measure to increase transparency and accountability for the prescription drug industry. We celebrate the new law—passed with support and hard work from CALPIRG—as a landmark victory for consumers, not just in California, but nationwide.

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Statement on Walmart’s Decision to Strengthen Chemical Footprint Policy

CALPIRG applauds retail giant Walmart for updating its sustainability policy to restrict toxic chemicals in 90,000 products including cosmetics and skincare items, infant products, and household cleaners.

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Agency votes to begin rulemaking process to protect American children, firefighters from hazardous flame retardant chemicals

Today, the U.S. Consumer Product Safety Commission (CPSC) took three critical steps toward protecting consumers and firefighters from the hazards posed by a class of flame retardant chemicals (known as “organohalogens”). The CPSC directed the Commission’s staff to begin the rulemaking process to ban the sale of four categories of consumer products if they contain these chemicals. Once again, the CPSC has made an important action for consumers.

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Agency votes to begin rulemaking process to protect American children, firefighters from hazardous flame retardant chemicals

Today, the U.S. Consumer Product Safety Commission (CPSC) took three critical steps toward protecting consumers and firefighters from the hazards posed by a class of flame retardant chemicals (known as “organohalogens”). The CPSC directed the Commission’s staff to begin the rulemaking process to ban the sale of four categories of consumer products if they contain these chemicals. Once again, the CPSC has made an important action for consumers.

> Keep Reading

Statement on Unilever Starting to Disclose Fragrances via SmartLabel

Statement from CALPIRG Toxics Advocate Dev Gowda on Unilever Starting to Disclose Fragrances via SmartLabel

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News Release | Consumer Protection

Equifax Offers Incomplete Protection After Breach: Advocates Suggest What Else Consumers Can Do

Consumers should know the risks and limits of what Equifax is offering and consider getting credit freezes with all three national credit bureaus instead.

> Keep Reading
News Release | CALPIRG Education Fund | Consumer Protection

Equifax Offers Incomplete Protection After Breach

Consumers should know the risks and limits of what Equifax is offering and consider getting credit freezes with all three national credit bureaus instead.

> Keep Reading

Texas Chemical Explosions: More Safety Needed Now

Two small explosions last night at a Texas chemical facility highlight that comprehensive emergency regulations need to be enforced more strictly at chemical plants.

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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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Report | CALPIRG Education Fund | Consumer Protection

The Future is Calling

CALPIRG Education Fund releases a new report titled explaining how mobile payment systems work while providing consumers with the information they need to best utilize mobile payment systems in a safe and secure way.

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Report | CALPIRG Education Fund | Public Health, Consumer Protection

Comments on the Blue Shield of California Proposal to Increase Small Employer Health Insurance Rates, Effective July 1, 2013.

After analysis of the complete filing – inclusive of the three subsequent submissions – it appears that for the most part, Blue Shield provided sufficient background data for the requested rate increase. However, we note that it took repeated requests for Blue Shield to provide the information necessary to justify the rate increase.

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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 | Consumer Protection

Court Rejects PIRG-Opposed Swipe Fee Settlement With Visa/Mastercard | Ed Mierzwinski

Today, a panel of the U.S. Court of Appeals for the Second Circuit threw out a preliminary $7.25 billion settlement between Visa and Mastercard and any merchant accepting credit cards (including U.S. PIRG), ruling that despite that seemingly massive payment for past practices that the settlement gave inadequate relief to merchants going forward, as it essentially immunized the networks for any future illegal conduct while providing mostly illusory benefits. Since we accept credit cards from our members, we, joined by Consumer Reports, had formally objected to the settlement as consumer advocates who also happen to be merchant class members (most merchant associations also objected).

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Blog Post | Consumer Protection

House Launches Frenzy of Attacks on CFPB, Public Protections | Ed Mierzwinski

Today and tomorrow the House floor showcases a variety of special-interest backed bills designed to eliminate public protections and weaken financial reform. Action starts soon with an attempt to override the President's veto of legislation to wipe away a new Department of Labor rule designed to protect hard-earned retirement savings from Wall Streeters seeking their "share" of your own share. Then, the House will consider the massive FSGG Appropriations bill, which rolls back the independence and authority of the CFPB and other financial reforms. Finally, they've teed up a bill to eliminate the Supreme Court's long-standing "Chevron doctrine," which says that courts must defer to expert agencies in certain circumstances. Without the doctrine in place, polluters and wrongdoers will have more opportunities to challenge public protections.

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Video Blog | Consumer Protection

Last Week Tonight with John Oliver: The retirement industry is a minefield -- but here’s the answer

In this week’s episode of “Last Week Tonight,” host John Oliver called out three main problems hurting consumers when it comes to retirement: First, financial advisers aren’t currently required to work in their clients’ best interest. Second, high fees compound over time. Third, actively managed investment funds aren’t the answer. 

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Blog Post | Consumer Protection

Public Interest Bills to Watch in Appropriations Committee this Week | Emily Rusch

On Friday the Appropriations Committee in both houses will be meeting to vote on pending legislation that affects state government finances. Here's a list of public interest bills to watch, all supported by CALPIRG. 

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