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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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Blog Post | Consumer Protection

This New Year, Celebrate the CFPB | Ed Mierzwinski

This month, we published our 8th report based on analyzing consumer complaints collected in the CFPB's Public Consumer Complaint Database. The release of "Big Banks, Big Overdraft Fees" provides a good year-end opportunity to summarize a few of the reasons to be thankful for the Consumer Financial Protection Bureau, which took over in July 2011 as the first federal regulator with just one job: protecting consumers from unfair financial practices. The idea of the CFPB needs no defense, only more defenders.

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Statement on Procter & Gamble’s New Preservative Tracker in Personal Care Products

Personal care product giant Procter & Gamble (P&G) recently unveiled a new preservative tracker, which lets consumers know which preservatives are included in various categories of P&G’s products, such as baby wipes, skin care, and hair care products. Consumers can search the tracker by ingredient or by product type.

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News Release | Consumer Protection

Yahoo Data Breach Presents Opportunity for Strong Response

Statement by Mike Litt at the U.S. PIRG Education Fund, on the latest announced Yahoo data breach.

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News Release | U.S. PIRG | Financial Reform

Overdrafts continue to hit students hard on campus

Today, the Consumer Financial Protection Bureau (CFPB) released a report shining a spotlight on contracts between banks and colleges to promote debit cards on campus.  Students continue to get hit hard with overdraft fees attached to their campus bank accounts. According to the report, nearly one in ten consumers in the population with student accounts incurred 10 or more  overdrafts per year, paying, on average, $196 in overdraft fees alone. Below is a detailed analysis by US. PIRG's Chris Lindstrom, who championed the protections that the CFPB is reporting on. This report is one more example of why we need a strong CFPB. 

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Media Hit | Public Health, Food

IL Watchdog Praising Senate Block on DARK Act

Abe Scarr, director of the Illinois Public Interest Research Group (PIRG) is praising Illinois Democratic Sen. Dick Durbin for voting against the bill. Scarr says the move is a big win for consumers.

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News Release | Illinois PIRG | Consumer Protection

Big Win For Consumers’ Right-to-Know

Today, the U.S. Senate failed to pass their version of the DARK Act (Denying Americans the Right to Know), which would have kept consumers in the dark about what's in the food they eat, falling 12 votes short of the 60 required to continue the debate.

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News Release | Illinois PIRG Education Fund | Democracy

Small donor program could reshape campaign fundraising in Cook County State's Attorney race, new report shows

Candidates in the 2016 Cook County State’s Attorney Democratic primary race would see a dramatic shift in fundraising focus under a proposed small donor matching program, according to a study released today by Illinois PIRG Education Fund.

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News Release | Illinois PIRG | Democracy

Illinois can Build a Better Politics Through Automatic Voter Registration, Campaign Finance Reform

President Obama came to Springfield today because he knows building a better politics starts at the state and local level. Our democracy works best when everyone participates, and Illinois has multiple opportunities this year to empower voters and strengthen our democracy.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

More Than 100 Groups Insist on No Riders in Spending Legislation

The day before the White House is expected to release its fiscal year 2017 budget proposal, a coalition of more than 100 groups, including U.S. PIRG, sent a letter calling on President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains ideological policy riders.

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Report | Illinois PIRG Education Fund | Consumer Protection, Higher Ed

Private Loans, Public Complaints

Thousands of American students are using the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database to settle disputes about private student loans, according to a new report from the Illinois PIRG Education Fund

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Report | U.S. PIRG, Demos | Democracy

"MCCUTCHEON" COULD ADD OVER $1 BILLION IN CONTRIBUTIONS TO NEXT FOUR ELECTIONS

We project that striking the aggregate limit would bring more than $1 billion in additional campaign contributions from elite donors through the 2020 election cycle.

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Report | Illinois PIRG Education Fund | Transportation

A New Way To Go

America is in the midst of a technological revolution ... and a big shift in our transportation habits.New transportation services are providing people with an abundance of new options, helping to overcome barriers to the use of non-driving forms of transportation, and shifting the economics behind individuals’ travel choices.

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Report | Illinois PIRG Education Fund | Consumer Protection

Big Banks, Big Complaints

Thousands of Americans are using the Consumer Financial Protection Bureau’s public Consumer Complaints Database to settle disputes with their banks, according to a new report from the Illinois PIRG Education Fund. The report highlights banks that generated the most complaints through their various banking services in each state.

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Report | Illinois PIRG Education Fund | Transportation

Moving Off the Road

After sixty years of almost constant increases in the annual number of miles Illinoisans drive, since 2004 Illinoisans have decreased their driving per-capita by over 6%. Nationally, there has been a decline in miles driven per-capita each year for the last eight years.

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Blog Post | Transportation

Good Things Come to Those On Bikes | Sean Doyle

Pull the bike out of the closet, pump up those tires, and dust off the helmet because it's Bike to Work Week!

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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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Blog Post | Transportation

Don’t Believe the Hype – Millennials’ Transportation Habits Are Changing | Sean Doyle

Despite news stories claiming that Millennials are buying up cars at record rates, the reality is quite different. After adjusting previous studies to account for differences in the size of the generations measured, on a per-capita basis, Millennials are 29 percent less likely than members of Generation X to own a car.

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Blog Post | Consumer Protection

Our new "CFPB Can Help" video is live | Ed Mierzwinski

Please like and share our new video short (it's less than a minute) letting consumers know how the "CFPB can help." The CFPB, of course, is the Consumer Financial Protection Bureau, established as part of the Wall Street Reform and Consumer Protection Act of 2010.

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Blog Post | Consumer Protection

Consumer Lettter Opposing ComEd's Demand Rate Proposal | Abe Scarr

Today, we joined AARP Illinois and five other consumer and anti-poverty groups in a letter to legislators asking them to reject a ComEd's proposed radical change in how consumers are charged for energy. The letter is below.

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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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