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

Financial "Choice Act" is a Cruel "Choice" for California Consumers

Next Tuesday the House Financial Services Chairman Jeb Hensarling (TX) will hold a mark-up on his so-called Financial Choice Act 2.0. “Californians were hit hard by the financial collapse and now depend on the consumer protections the financial Choice Act would eviscerate,” said Emily Rusch, Executive Director of CALPIRG. “We strongly urge Rep. Waters, Royce, Sherman, and Vargas to vote no.”  

> Keep Reading
Report | CALPIRG Education Fund | Consumer Protection

Medical Debt Malpractice

Millions of Americans are contacted by debt collectors every year over debt related to medical expenses. This review of complaints submitted to the CFPB suggest that many consumers contacted about medical debt should not have been contacted in the first place, and that many contacts involve aggressive or inappropriate tactics.  

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News Release | CALPIRG | Consumer Protection

New report from leading consumer group shows millions are victims of aggressive tactics from medical debt collectors

The consumer group CALPIRG released the ninth in a series of reports that review complaints to the Consumer Financial Protection Bureau (CFPB).  The latest report 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.  The report also demonstrates the need to defend the CFPB from partisan and special interest attacks.

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Blog Post | Consumer Protection

CFPB Is On The Job Protecting Consumers | Ed Mierzwinski

While powerful special interests, Senators, the Chairman of the House Financial Services Committee and the White House call for dismantling the CFPB, firing its excellent director, or worse, CFPB continues to be an agency that is on the job, conducting business as usual to protect consumers. Its latest "Monthly Complaint Snapshot" is an open window into the many reasons we need a strong CFPB.

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News Release | U.S. PIRG | Consumer Protection

Court to Rehear CFPB’s Constitutionality

Statement by Mike Landis, Litigation Director at U.S. PIRG, about today’s decision by the D.C. Circuit Court of Appeals to rehear en banc the panel ruling against the CFPB’s independent leadership. 

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News Release | CALPIRG Education Fund | Consumer Protection

31st Annual Survey Finds Recalled Toys in Online Stores

Los Angeles, CA – Some toys that have been recalled for lead, powerful magnets, or other hazards  can still be available for sale in online stores, according to California Public Interest Research Group Education Fund's 31st annual Trouble in Toyland report. The survey of potentially hazardous toys found that consumers should be wary when shopping this holiday season.

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

Report: Analysis of Payday Complaints Reveals Need for Stronger Federal Protections 

Oakland - Consumer complaints about payday loans to the Consumer Financial Protection Bureau (CFPB) show a critical need for strengthening the agency’s proposed rule to rein in payday loans and other high-cost lending, according to a report released today by the CALPIRG Education Fund. 

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News Release | U.S. PIRG | Consumer Protection

Joint Statement Opposing Exceptions to CFPB Payday Rule

We've joined 10 other leading consumer, community, religious and civil rights organizations to oppose exemptions to a strong CFPB payday and auto title lending rule and to reiterate our opposition to an exception that has already been considered and rejected that would allow lenders to make longer-term installment loans without considering a borrower’s ability to repay so long as the payment did not exceed five percent of a borrowers’ income.

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News Release | U.S.PIRG | Consumer Protection

Strong National Payday Rule Could Save Consumers Billions

Today, the Consumer Financial Protection Bureau (CFPB) released its draft high cost small dollar lending (payday and auto title) loan rule for public comment. 

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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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Report | CALPIRG Education Fund | Consumer Protection

Common Sense Accounting Reforms For California Investors And Taxpayers

The California marketplace is plagued by increasing conflict-of-interest problems that lead to inaccurate corporate audits, an upsurge in “earnings restatements”, and a loss of investor confidence.

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Report | CALPIRG Education Fund | Consumer Protection

Rent-A-Bank Payday Lending:

One consequence of deregulation of interest rates, high credit card interest rates and high bank fees has been the rapid growth of the alternative financial services (or fringe banking) industry, which includes check cashing outlets, payday loan companies, rent-to-own stores, high cost second mortgage companies, sub-prime auto lenders, traditional pawn shops and the growing business of auto title pawn companies. This report examines payday lending in detail.

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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Blog Post | Consumer Protection, Safe Energy

CALPIRG to CPUC: Utilities should pay consumers fairly for their rooftop solar | Emily Rusch

Today we join 130,000 Californians who have signed petitions urging you to protect net metering, reject new fees, and continue to expand solar access to more Californians.

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Blog Post | Consumer Protection

As CFPB Advances Consumer Protection, Attacks on CFPB Escalate | Ed Mierzwinski

This week, the CFPB took a major step toward establishing a regulation restricting the use of forced arbitration clauses in consumer financial contracts, which give companies what the CFPB's director said was a "free pass from being held accountable by their customers." Meanwhile, on Capitol Hill, powerful bank interests escalated their campaign to defund and defang the bureau, because it works for consumers, not them.

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Blog Post | Consumer Protection, Health Care

Pro-Consumer Healthcare Bills Pass Legislature, Await Governor's Signature | Jason Pfeifle

Late last week the California State Legislature passed a series of bills designed to help prevent unfair medical charges, excessive health insurance rates, and misleading information about access to health care providers. Together these bills, if signed into law by Governor Jerry Brown, will help promote a more consumer friendly and affordable health care system in California.

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Blog Post | Consumer Protection

House holds stacked hearing to attack retirement savings rule proposal | Ed Mierzwinski

The House Financial Services Committee is holding a typically stacked hearing -- one consumer-side witness against four Wall Street-backed lobbyists  -- to attack the important retirement savings rule proposed by the Department of Labor. The rule simply requires retirement advisors to put the customer's needs  -- not their own compensation -- first.

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