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Blog Post | Consumer Protection

The CFPB is 4 years old and has a lot to show for it! | Ed Mierzwinski

Tuesday, July 21, marks four years to the day since the Consumer Financial Protection Bureau opened its doors to protect consumers and make financial markets work. We've summarized some of the ways CFPB works for you on a new web page.

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Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

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News Release | US PIRG Education Fund | Consumer Protection

New Report: Mortgage Problems Rank #1 at CFPB for Consumer Complaints

Mortgage problems were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released today by the U.S. PIRG Education Fund. The report also found that Bank of America was the most complained about company in 45 states and Washington, D.C. for mortgage problems.It's the sixth in a series of our reports analyzing nearly 500,000 complaints posted to the CFPB's Public Consumer Complaint Database.

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Report | US PIRG Education Fund | Consumer Protection

Mortgages and Mortgage Complaints

Our sixth report analyzing complaints in the CFPB's Public Consumer Complaint Database evaluates mortgage complaints, the number one source of complaints to the CFPB, totaling 38% of nearly 500,000 complaints posted since 2011.

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News Release | U.S. PIRG | Consumer Protection

We Commend CFPB For Adding Consumer Stories To Public Complaint Database

Yesterday, the CFPB published the first batch (7,700) of consumer narratives or stories to the Public Consumer Complaint Database it began in 2011. We've used the database to publish five reports (so far) analyzing complaint trends in markets ranging from credit cards to student loans but we have also long urged the voluntary addition of stories to the data fields. Now, consumers can learn if what happened to them happened to anyone else. Now, researchers can track which banks are more responsive to particular problems and which ignore their customers. A good resource is now an excellent resource.

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How Companies Turn Your Facebook Activity Into a Credit Score

This story in The Nation explains our work challenging the way data brokers use "black box," or secret, algorithms to make scoring decisions that may violate the law and deny credit opportunities. This work was also the subject of our recent livestream event featuring Professor Frank Pasquale and his new book, "The Black Box Society." We've now posted an archive of that event, in 3 chapters on our Youtube page.

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News Release | NMPIRG Education Fund & Frontier Group | Transportation

New Report Finds Drivers Pay Less Than Half the Cost of Roads

As Congress struggles to renew the federal transportation law, a new report from the New Mexico Public Interest Research Group Education Fund (NMPIRG Education Fund) and Frontier Group finds that drivers currently pay less than half the total cost of roads, and argues that while increasing gas taxes could fill the shortfall, it would leave other problems unaddressed.

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News Release | U.S. PIRG | Consumer Protection

PIRG Commends Supporters of Duckworth Amendment to Protect Our Troops From High-Cost Loans

Last night, on a 32-30 bipartisan vote, the House Armed Services Committee supported the Tammy Duckworth (IL) amendment to strike language from the National Defense Authorization Act that would have delayed Pentagon-proposed improvements to the Military Lending Act of 2007. It's a critical victory for servicemembers, veterans and their families, although the fight to protect our troops from high-cost loans will continue.

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News Release | U.S. PIRG | Consumer Protection

PIRG Commends Release of Labor Dept.'s Proposed Rule To End Conflicted Retirement Advice

PIRG today commended the public release of the Department of Labor’s proposed rule that would strengthen the ability for Americans to save for retirement by addressing conflicts of interest that arise when brokers and financial advisers give retirement advice. Wall Street will fight the rule hard, because it requires them to put consumers first.

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News Release | NMPIRG Education Fund & Frontier Group | Budget

NEW REPORT: New Mexico Receives "C+" in Annual Report on Transparency of Government Spending

 

New Mexico received a “C+” when it comes to government spending transparency, according to “Following the Money 2015: How the 50 States Rate in Providing Online Access to Government Spending Data,” the sixth annual report of its kind by the New Mexico Public Interest Research Group Education Fund.

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Challenging Predatory Lending

To protect vulnerable consumers, NMPIRG has joined with AARP, the Department of Defense and Navajo chapters to fight predatory lending. There are four payday lenders for every one McDonald’s in New Mexico.  

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Report | NMPIRG | Democracy

THE MONEY CHASE

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 | NMPIRG 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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Report | NMPIRG Education Fund and Demos | Democracy

The Dominance of Big Money in the 2014 Congressional Elections

In 2014, large donors accounted for the vast majority of all individual federal election contributions this cycle, just as they have in previous elections. Seven of every 10 individual contribution dollars to the federal candidates, parties, PACs and Super PACs that were active in the 2013-2014 election cycle came from donors who gave $200 or more. Candidates alone got 84 percent of their individual contributions from large donors.

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Report | NMPIRG and Consumers Union | Public Health

Prescription For Change

Our September 2014 survey of physicians paints a grim picture of the growing problem of antibiotic-resistant infections. The overwhelming majority of surveyed doctors reported that one or more of their patients had been diagnosed with a presumed or confirmed case of a multi-drug resistant bacterial infection in the past twelve months. They also expressed concern about the use of antibiotics in livestock production facilities on healthy animals in order to promote growth and prevent disease.

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Report | NMPIRG Education Fund | Democracy

Big Money Dominates in Congressional Primaries

Our analysis of fund-raising data from 2014’s congressional primaries examines the way these dynamics are playing out state by state across the country. While some states show markedly more inequity than others, the picture painted by the data is of a primary money race where large donors carry more weight than ordinary Americans. Nationwide, just under two-thirds of all candidate contributions came from the largest donors (those giving over $1,000). And fewer than 5,500 large donors matched the primary contributions coming from at least 440,000 donors nationwide.

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Blog Post | Consumer Protection

Hill Threats to CFPB Escalate As CFPB Protects Consumers, Servicemembers | Ed Mierzwinski

Today, the House Appropriations Committee, at the behest of both Wall Street and predatory lenders seeking to run amok, will vote to eliminate the CFPB's independence from the politicized appropriations process. Meanwhile, over at the CFPB, important work to protect consumers, including servicemembers, from unfair and predatory financial practices continues.

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Blog Post | Consumer Protection

Data Breach Here, Data Breach There, Data Breach Everywhere! | Ed Mierzwinski

UPDATED 10 June Re DHS Breach: If you shop with plastic, have health insurance, pay taxes, work for the federal government, or (fill in blank) you’re at risk of a data breach. And with so much information about you already available on the Internet, it’s best not to select easy-search security questions like “Where were you born?” or answers like “Pizza.” What’s your best defense against identity theft? No, it isn’t credit monitoring, it’s a security freeze.

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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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Blog Post | Consumer Protection

CFPB Begins Payday Regulation Push In Richmond | Ed Mierzwinski

We joined the CFPB in Richmond Thursday for a field hearing on a proposed rule to regulate payday lending and similar high-cost short-term loans. The CFPB's draft rule is comprehensive, covering a variety of loans, but it contains potential loopholes that we and other advocates will urge the bureau to close before it finalizes this important effort. Here's a short blog with some photos from Richmond.

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Blog Post | Public Health

Some Good, Some Bad in Obama Administration Plan to Protect Antibiotics | Sujatha Jahagirdar

Today, the National Task Force for Combatting Resistant Bacteria released a five-year action plan to tackle the growing problem of antibiotic resistance.  While the plan will take several important steps necessary to control the spread of antibiotic-resistant bacteria, it will miss the opportunity to call for critical reforms in the agricultural sector that are essential to protect public health.

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