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  • Blog | NJPIRG
    identity Consumer Protection Read more about John Oliver Takes Aim At Credit Reports In Last Week Tonight Time To Defend CFPB as Senate Banking Committee Aims Sights at It Wednesday April 6 2016 By Ed Mierzwinski Consumer Program Director UPDATED 12 April The Senate Banking Committee held a stacked hearing on Assessing Consumer Regulations yesterday 5 April although our one pro consumer witness and pro CFPB Senators defended consumer protection ably as three industry backed witnesses and their supporters on the committee had a great deal of trouble proving their case that the CFPB should be dismantled Tomorrow morning 7 April CFPB Director Richard Cordray will present the statutory Semi Annual Report of the CFPB to the committee We submitted a statement to be entered into the hearing record as did other Americans for Financial Reform coalition members Consumer Protection Read more about Time To Defend CFPB as Senate Banking Committee Aims Sights at It What is payday lending Monday April 4 2016 By Kathryn Lee Digital Campaigner We are a leading member of Americans for Financial Reform a coalition that was instrumental in the creation of the Consumer Financial Protection Bureau CFPB by Congress in 2010 The CFPB is currently working on a rule to reign in the payday lending industry We along with AFR are working to make sure the rule is a strong one Consumer Protection Read more about What is payday lending Pages 1 2 3 4 5 6 7 8 9 next last More Search form Search About Issues Stop the Overuse Of Antibiotics Stop the Highway Boondoggles Democracy For The People Label GMO Foods Making Health Care Work Protecting Consumers Toxic Free Communities Reining in Wall Street Act Now Jobs Donate Newsroom Resources Reports Get our RSS feed Our Affiliates Our Sister c 3

    Original URL path: http://njpirg.org/blog (2016-04-29)
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  • Media | NJPIRG
    Consumers Bloomberg Buying homes getting jobs and borrowing money will be easier after an agreement by the three biggest U S consumer credit reporting services with New York It s a sea change in the way the credit bureaus treat complaints said U S PIRG s Ed Mierzwinski The credit bureaus have been run by computers for years now They re going to have to hire more people and actually verify that what a creditor said is true Read more about Credit Bureaus Deal to Improve Accuracy Huge for Consumers Media Hit Tax Opinion BP Settlement on Gulf Oil Spill Flows From Its Own Deep Pockets Unlike earlier BP settlements related to the 2010 Deepwater Horizon oil spill in the Gulf the November 2012 settlement forces the company to take responsibility for its crimes that tragically cost 11 workers lives and led to an environmental catastrophe and this time American taxpayers won t be asked to pick up much of the tab Read more about Opinion BP Settlement on Gulf Oil Spill Flows From Its Own Deep Pockets Media Hit Tax Trenton Times Cut Pork From Federal Farm Bill The Farm Bill sets our nation s agricultural and food policy including a raft of food related programs such as food assistance and rural development programs But it also authorizes a set of misguided agricultural subsidy programs that lavish billions of taxpayer dollars on large profitable agribusinesses Read more about Trenton Times Cut Pork From Federal Farm Bill Pages 1 2 3 4 next last More Search form Search About Issues Stop the Overuse Of Antibiotics Stop the Highway Boondoggles Democracy For The People Label GMO Foods Making Health Care Work Protecting Consumers Toxic Free Communities Reining in Wall Street Act Now Jobs Donate Newsroom Resources Reports Get our RSS feed

    Original URL path: http://njpirg.org/media (2016-04-29)
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  • Results | NJPIRG
    Read more about KIDS SCHOOL LUNCHES NOW SAFER Result Health Care Young People Now Covered This year the federal health care reforms that NJPIRG worked to win have started to pay off for young people In the past teens saw their premiums soar or were denied coverage when they turned 19 even if they d been insured their whole lives Now they can remain on their parents plans until age 26 Read more about Young People Now Covered Search form Search About Issues Stop the Overuse Of Antibiotics Stop the Highway Boondoggles Democracy For The People Label GMO Foods Making Health Care Work Protecting Consumers Toxic Free Communities Reining in Wall Street Act Now Jobs Donate Newsroom Resources Reports Get our RSS feed Our Affiliates Our Sister c 3 Are you a student Energy Service Corps Our Federation Archives Blog Media Hits News Releases Reports Resources Results Take Action Donate JOIN US Priority Action We re teaming up with big restaurant chains to stop the overuse of antibiotics on factory farms Call on KFC to stop selling meat raised on routine antibiotics ADD YOUR VOICE Support Us Your donation supports NJPIRG s work to stand up for consumers on the

    Original URL path: http://njpirg.org/results (2016-04-29)
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  • Leading Groups Send Criteria for Evaluating VW Settlement | NJPIRG
    by Volkswagen Make consumers whole by offering to buy back their affected cars Simply fixing the cars still leaves customers less than whole Whether a full or partial fix is available the cars could get lower gas mileage and have weaker performance than promised and advertised and the Kelley Blue Book values will likely diminish further Full compensation is a buyback at full purchase price of the cars However VW should at least compensate owners 1 5 times the Kelley Bluebook value of the affected vehicles on the day before the scandal was discovered or publicized as NHTSA has ordered manufacturers in some other recalls to do Bought back cars that cannot be fully repaired to meet emission standards should be scrapped Mitigate environmental harm caused by scrapping cars Environmental harm caused by scrapping cars should be assessed and offset Assess large civil penalties The Clean Air Act sets a maximum penalty of 37 500 per car or over 18 billion in total penalties A large civil penalty will send a strong deterrent message to others not to violate the law VW should not be allowed tax write offs for any penalties Set up Supplemental Environmental Projects SEPs In addition to offsetting the NOx emissions directly attributable to the defeat devices and offsetting environmental harms caused by scrapping cars VW should set up Supplemental Environmental Projects SEPs Volkswagen would be motivated to work with the EPA to create a SEP which could offset a portion of the civil penalties while achieving concrete pollution reductions The SEP should direct a substantial amount of funds perhaps calculated on a per car basis to create a fund for state and local governments as well as private sector entities to implement projects to reduce pollution from on road vehicles and increase deployment of zero

    Original URL path: http://njpirg.org/resources/usp/leading-groups-send-criteria-evaluating-vw-settlement (2016-04-29)
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  • 100+ Groups Oppose Provisions That Threaten Public Protections | NJPIRG
    urge the administration in the strongest possible terms to oppose any funding bills that have such riders whether moving via regular order or as part of a funding package Sincerely Advocates for Better Children s Diets Alaska PIRG Alliance for Justice American Association for Justice American Association of University Women AAUW American Federation of Labor and Congress of Industrial Organizations AFLCIO American Federation of State County and Municipal Employees AFSCME American Federation of Teachers AFL CIO Americans for Financial Reform Arizona PIRG Association of University Centers on Disabilities Breast Cancer Action Bright Lines Project CALPIRG Center for Biological Diversity Center for Effective Government Center for Justice Democracy Center for Progressive Reform Center for Responsible Lending Center for Science in the Public Interest Chicago Consumer Coalition Citizens for Responsibility and Ethics in Washington CREW Coalition on Human Needs Common Cause Communications Workers of America ConnPIRG Consumer Action Consumer Federation of America Consumers for Auto Reliability and Safety CoPIRG Daily Kos Defenders of Wildlife Democracy 21 Demos Earthjustice Economic Policy Institute Empire State Consumer Project Inc Endangered Species Coalition Environment America Epic Environmental Protection Information Center Every Voice Florida PIRG Free Press Action Fund Georgia PIRG Green America Goodwill Industries International Homeowners Against Deficient Dwellings Illinois PIRG International Union United Automobile Aerospace Agricultural Implement Workers of America UAW Iowa PIRG Klamath Forest Alliance Main Street Alliance Maryland PIRG Massachusetts Consumers Council MASSPIRG MoPIRG NARAL Pro Choice America National Alliance of State and Territorial AIDS Directors NASTAD National Association of Consumer Advocates National Alliance for Partnerships in Equity NAPE National Association of Social Workers NASW National Association of Social Workers NASW National Center for Health Research National Committee for Responsive Philanthropy National Consumer Law Center on behalf of its low income clients National Consumers League National Council of Asian Pacific Americans NCAPA National

    Original URL path: http://njpirg.org/blogs/blog/usp/100-groups-oppose-provisions-threaten-public-protections (2016-04-29)
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  • Consumer Protection | NJPIRG
    Annual Survey Finds Dangerous Toys on Store Shelves Report NJ PIRG Law Policy Center Consumer Protection Trouble in Toyland 2015 For 30 years NJ PIRG Law Policy Center has conducted an annual survey of toy safety which has led to over 150 recalls and other regulatory actions over the years and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children Read more about Trouble in Toyland 2015 30 Years of Trouble in Toyland 30 Years of Safety Improvements Wednesday November 18 2015 By Anna Low Beer Digital Campaigner 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 Consumer Protection Read more about 30 Years of Trouble in Toyland 30 Years of Safety Improvements Report U S PIRG Education Fund Consumer Protection Why You Should Get Security Freezes Before Your Information is Stolen Here are tips for preventing ID theft and using a security freeze How To Avoid Identity Theft How To Use a Security Freeze Read more about Why You Should Get Security Freezes Before Your Information is Stolen Issue Consumer Protection Make VW Pay Read more about Make VW Pay News Release U S PIRG Consumer Protection PIRGs Others Ask CFPB FTC To Investigate Experian T Mobile Data Breach In a letter sent today a number of state PIRGs and other leading privacy and consumer groups urged the CFPB and FTC to fully investigate the recent breach of an Experian subsidary that exposed 15 million T Mobile customer and applicant records to the threat of new account identity theft The letter asked whether the regulators could require Experian and the other two nationwide credit bureaus TransUnion and Equifax to give victims free security freezes to protect their credit reports Read more about PIRGs Others Ask CFPB FTC To Investigate Experian T Mobile Data Breach As CFPB Advances Consumer Protection Attacks on CFPB Escalate Thursday October 8 2015 By Ed Mierzwinski Consumer Program Director 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 Consumer Protection Read more about As CFPB Advances Consumer Protection Attacks on CFPB Escalate Resource Consumer Protection Protect Yourself Against New Account ID Theft The first defense against any kind

    Original URL path: http://njpirg.org/topics/consumer-protection?page=1 (2016-04-29)
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  • Consumer Protection | NJPIRG
    but eliminate stronger state protections against the harms posed by the IRS breach the health insurance breaches and the OPM breach Consumer Protection Read more about IRS Admits Data Breach Worse Than Thought Will Congress Do Wrong Thing Anyway House To Vote On Godzilla Sized Rule Blocker As Financial Committee Considers Smaller Rollbacks Tuesday July 28 2015 By Ed Mierzwinski Consumer Program Director UPDATED REINS Approved near party line vote Today the House Financial Services Committee takes up a package of smaller rollback bills many of which are opposed by Americans for Financial Reform and the PIRGs Meanwhile the House will bring up the Godzilla of all anti health and safety bills the REINS Act Fortunately the President has promised a veto Consumer Protection Read more about House To Vote On Godzilla Sized Rule Blocker As Financial Committee Considers Smaller Rollbacks News Release U S PIRG Consumer Protection Over 7 000 Comments Submitted to Department of Labor Every year over 17 billion is lost from retirement savings to fees and charges according to the Council of Economic Advisors Today we submitted over 7 000 PIRG member comments urging the U S Department of Labor to finalize a strong rule requiring retirement advisors to put the interests of their customers first We also submitted a detailed expert comment of our own in the important conflicted advice rulemaking Read more about Over 7 000 Comments Submitted to Department of Labor News Release US PIRG Education Fund Consumer Protection Top 10 List How the CFPB Works for Consumers The Consumer Financial Protection Bureau CFPB turns 4 on July 21st To celebrate and increase public awareness of the agency U S PIRG Education Fund released a new webpage Meet the CFPB Just Ten of the Ways It Works for You Read more about Top 10 List How the CFPB Works for Consumers The CFPB is 4 years old and has a lot to show for it Monday July 20 2015 By Ed Mierzwinski Consumer Program Director 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 Consumer Protection Read more about The CFPB is 4 years old and has a lot to show for it How the CFPB s Data Keeps Getting Better and Better Friday July 17 2015 By Mike Litt Consumer Program Advocate 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 Consumer Protection Read more about How the CFPB s Data Keeps Getting Better and Better News Release US PIRG Education Fund Consumer Protection New Report Mortgage Problems Rank 1

    Original URL path: http://njpirg.org/topics/consumer-protection?page=2 (2016-04-29)
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  • Consumer Protection | NJPIRG
    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 Read more about How Companies Turn Your Facebook Activity Into a Credit Score Event 5 11 re new book on black box decisionmaking consumers Wednesday May 6 2015 By Ed Mierzwinski Consumer Program Director 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 Consumer Protection Read more about Event 5 11 re new book on black box decisionmaking consumers 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 Read more about PIRG Commends Supporters of Duckworth Amendment to Protect Our Troops From High Cost Loans U S House Considers Delay To Financial Protections for Servicemembers Veterans Tuesday April 28 2015 By Ed Mierzwinski Consumer Program Director UPDATED 30 April Last year the Department of Defense proposed needed improvements to the 2007 Military Lending Act since high cost lenders were exploiting loopholes to evade the law s 36 APR cap on loans to servicemembers to make loans at 400 APR or more harming military families and threatening unit preparedness to defend the nation Now days before a committee vote predatory lenders have succeeded in convincing House Armed Services Committee leaders to insert language into the National Defense Authorization Act that would delay the DoD regulations up to a year while needless redundant studies are prepared Only in Washington Consumer Protection Read more about U S House Considers Delay To Financial Protections for Servicemembers Veterans 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 Read more about PIRG Commends Release of Labor Dept s Proposed

    Original URL path: http://njpirg.org/topics/consumer-protection?page=3 (2016-04-29)
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