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  • NJPIRG | Standing Up To Powerful Interests
    acted to override state laws that prevented local governments from building out broadband networks to compete with the phone and cable companies Keep Reading Pages first previous 1 2 3 4 5 6 7 8 9 next last Report NJPIRG Law Policy Center Budget Following the Money 2014 This report NJPIRG LPC s fifth annual evaluation of state transparency websites finds that states are making progress toward comprehensive one stop one click transparency and accountability for state government spending Over the past year new states have opened the books on public spending and several states have adopted new practices to further expand citizens access to critical spending information Many states however still have a long way to go to provide taxpayers with the information they need to ensure that government is spending their money effectively Keep Reading Report NJPIRG Law Policy Center Public Health Health Care Should I Stay Or Should I Go Many consumers who buy their own health insurance face a big decision right now Should you renew your existing plan or switch to a new one It s an especially important decision for consumers whose insurance company is giving them the option to stay in a pre ACA plan one that falls below minimum standards under the Affordable Care Act for another year Here are our tips for consumers and a checklist to help you make the decision that s right for you Keep Reading Report NJPIRG Law Policy Center Public Health Consumer Protection Food A Year of Progress The past year has shown that food producers and retailers are listening to consumers desire for information and choices when it comes to GMOs It s smart business to give customers what they want and some companies are beginning to build the transparent marketplace that consumers deserve This white paper summarizes companies recent actions related to GMOs Keep Reading Report NJPIRG Law Policy Center Consumer Protection Financial Reform Debt Collectors Debt Complaints This is the fifth in a series of reports that review complaints to the CFPB nationally and on a state by state level In this report we explore consumer complaints about debt collection with the aim of uncovering patterns in the problems consumers are experiencing with debt collectors and documenting the role of the CFPB in helping consumers successfully resolve their complaints Keep Reading Report NJPIRG Law Policy Center Transportation A New Course Universities and colleges across the country are taking steps to encourage their communities students faculty and staff to decrease their reliance on personal vehicles These efforts are working well saving money for universities improving the quality of life in college towns and giving today s students experience in living life without depending on a personal car Keep Reading Pages first previous 1 2 3 4 5 6 7 8 9 next last Blog Post Financial Reform House Committee Launches Trojan Horse Assault On State Privacy Laws Ed Mierzwinski This afternoon Tuesday 8 December the U S House Financial Services Committee launches a massive

    Original URL path: http://njpirg.org/home?page=3 (2016-04-29)
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  • NJPIRG | Standing Up To Powerful Interests
    News Release NJPIRG Law Policy Center Public Health Food Health Care Stop the Superbugs NJPIRG gathered outside St Michaels s Medical Center in Newark Thursday to call on the Obama Administration to immediately restrict the use of antibiotics on factory farms when animals are not sick NJPIRG Law Policy Center released a new report Ending the Abuse of Antibiotics in Livestock Production The Case for Reform Keep Reading Pages first previous 1 2 3 4 5 6 7 8 9 next last Report NJPIRG Tax Closing the Billion Dollar Loophole Every year corporations use complicated gimmicks to shift U S earnings to subsidiaries in offshore tax havens countries with minimal or no taxes in order to reduce their state and federal income tax liability by billions of dollars Tax haven abusers benefit from America s markets public infrastructure educated workforce security and rule of law all supported in one way or another by tax dollars But they use tax havens to escape supporting these public structures and benefits Keep Reading Report NJPIRG Law Policy Center Consumer Protection Financial Reform Credit Cards Consumer Complaints The Consumer Financial Protection Bureau CFPB was established in 2010 in the wake of the worst financial crisis in decades Its mission is to identify dangerous and unfair financial practices to educate consumers about these practices and to regulate the financial institutions that perpetuate them Keep Reading Report NJPIRG Law Policy Center Transportation Transportation in Transition Our first of its kind report shows that Americans transportation habits have changed The average American drives 7 6 percent fewer miles today than when per capita driving peaked in 2004 A review of data from the Federal Highway Administration Federal Transit Administration and Census Bureau for America s 100 most populous urbanized areas which are home to over half of the nation s population shows that the decline in per capita driving has taken place in a wide variety of regions Keep Reading Report NJPIRG Law Policy Center Public Health Consumer Protection Trouble in Toyland The 2013 Trouble in Toyland report is the 28th annual NJPIRG survey of toy safety In this report NJPIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards Keep Reading Report NJPIRG Democracy McCutcheon Money This term the Supreme Court is considering a challenge to aggregate contribution limits in a case called McCutcheon v FEC The current limit on what one person may contribute to all federal candidates parties and PACs is 123 200 Absent this limit one wealthy donor would be permitted to contribute more than 3 5 million to a single party s candidates and party committees plus a virtually unlimited amount to supportive PACs Keep Reading Pages first previous 1 2 3 4 5 6 7 8 9 next last Blog Post Transportation Millennials Want More Public Transportation Sean Doyle A new poll shows that access to public transportation is very important for Millennials in

    Original URL path: http://njpirg.org/home?page=4 (2016-04-29)
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  • NJPIRG | Standing Up To Powerful Interests
    Today the U S Supreme Court ruled in McCutcheon v FECto strike down overall or aggregate contribution limits to candidates and political committees NJPIRG research found that this ruling could bring 1 billion in additional campaign contributions from fewer than 2 800 elite donors through the 2020 election cycle Keep Reading News Release NJPIRG Law Policy Center Public Health Consumer Protection Food NJ Consumers Call on Stop Shop to Label GMOs On Anniversary of Whole Foods Labeling Commitment Consumers and advocates launched a campaign calling on Stop Shop to label its store brand products for ingredients derived from genetically modified organisms GMOs on the one year anniversary of Whole Foods announcement that it will adopt labeling for all products in its stores Keep Reading Pages first previous 2 3 4 5 6 7 8 9 10 next last Report NJPIRG Law Policy Center Transportation A New Way To Go America is in the midst of a technological revolution and a big shift in our transportation habits Over the last 15 years the Internet and mobile communications technologies have transformed the way Americans live and work Keep Reading Report NJPIRG Law Policy Center Transportation Moving Off the Road After sixty years of almost constant increases in the annual number of miles Americans drive since 2004 Americans have decreased their driving per capita for eight years in a row Driving miles per person are down especially sharply among Millennials America s largest generation that will increasingly dominate national transportation trends Keep Reading Report Public Health The Danger In Our Backyards Every day millions of people live and work in the shadow of high risk chemical plants that store and use poisonous materials with the potential to harm millions of workers and residents Keep Reading Report NJPIRG Budget Tax Offshore Shell Games Many large U S based multinational corporations avoid paying U S taxes by using accounting tricks to make profits made in America appear to be generated in offshore tax havens countries with minimal or no taxes By booking profits to subsidiaries registered in tax havens multinational corporations are able to avoid an estimated 90 billion in federal income taxes each year These subsidiaries are often shell companies with few if any employees and which engage in little to no real business activity Keep Reading Report NJPIRG Budget Public Health Food Apples to Twinkies 2013 At a time when America faces high obesity rates and tough federal budget choices taxpayer dollars are funding the production of junk food ingredients Since 1995 the government has spent 292 5 billion on agricultural subsidies 19 2 billion of which have subsidized corn and soy derived junk food ingredients These subsidies are all the more egregious at a time when America is facing an obesity epidemic Children are three times more likely to be obese than their counterparts three decades ago Keep Reading Pages first previous 2 3 4 5 6 7 8 9 10 next last Blog Post Consumer Protection As CFPB Advances Consumer Protection

    Original URL path: http://njpirg.org/home?page=5 (2016-04-29)
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  • NJPIRG | Standing Up To Powerful Interests
    a Good Step Forward Statement of Jen Kim NJPIRG State Director on new NTSB recommendations for oil transport on trains Keep Reading Pages first previous 3 4 5 6 7 8 9 10 11 next last Report NJPIRG Public Health Consumer Protection Health Care Top Twenty Pay For Delay Drugs Too often consumers are forced to shoulder a heavy financial burden or even go without needed medicine due to the high cost of brand name drugs Our research indicates that one significant cause is the practice called pay for delay which inflates the drug prices paid by tens of millions of Americans Keep Reading Report NJPIRG Higher Ed Issue Brief Student Loan Debt in New Jersey Without a new plan from Congress on July 1 the itnerest rate on subsidized Stafford loans will double from 3 4 percent to 6 8 percent Keep Reading Report NJPIRG Public Health Consumer Protection Health Care Prescription For Danger The fungal meningitis outbreak caused by contaminated steroid injections that killed 55 people to date and sickened more than 740 is one of the worst public health disasters the nation has seen in recent history The tainted injections came from a drug manufacturer doing business as a compounding pharmacy a classification which allowed them to evade the system of safety rules inspections and oversight that keep our drug supply safe Keep Reading Report NJPIRG Law Policy Center Budget Transportation A New Direction The Driving Boom a six decade long period of steady increases in per capita driving in the United States is over Americans drive fewer total miles today than we did eight years ago and fewer per person than we did at the end of Bill Clinton s first term The unique combination of conditions that fueled the Driving Boom from cheap gas prices to the rapid expansion of the workforce during the Baby Boom generation no longer exists Meanwhile a new generation the Millennials is demanding a new American Dream less dependent on driving Keep Reading Report NJPIRG Budget Tax Picking Up the Tab 2013 Some U S based multinational firms and individuals avoid paying U S taxes by using accounting tricks to shift profits made in America to offshore tax havens countries with minimal or no taxes They benefit from their access to America s markets workforce infrastructure and security but they pay little or nothing for it violating the basic fairness of the tax system and forcing other taxpayers to pick up the tab Keep Reading Pages first previous 3 4 5 6 7 8 9 10 11 next last 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 Keep Reading Blog Post Consumer Protection How the CFPB

    Original URL path: http://njpirg.org/home?page=6 (2016-04-29)
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  • NJPIRG | Standing Up To Powerful Interests
    Release NJPIRG Consumer Protection NJ Coalition for Affordable Power Calls On Board of Public Utilities To Reject PSE G s 3 9 Billion Energy Strong Proposal NJPIRG and the NJCAP formally announces its opposition to the PSE G Energy Strong Program and urgest the NJ BPU to reject the proposal Keep Reading Pages first previous 4 5 6 7 8 9 10 11 12 next last Report NJPIRG Law Policy Center Budget Tax Following the Money 2013 This is the fourth annual report card ranking of state government online spending transparency Keep Reading Report NJPIRG Law Policy Center Budget Tax The Hidden Cost of Offshore Tax Havens Federal taxpayers are not the only victims of offshore tax havens Tax havens deprive state governments of billions of dollars in badly needed revenues as well Based how much income is federally reported in each state and on state tax rates it is possible to calculate how much each of the state governments lose as a result of offshore tax dodging Keep Reading Report NJPIRG Law Policy Center Democracy Billion Dollar Democracy The first presidential election since Citizens United lived up to its hype with unprecedented outside spending from new sources making headlines Demos and NJPIRG Law Policy Center analysis of reports from campaigns parties and outside spenders to the Federal Election Commission found that our big money system distorts democracy and creates clear winners and losers Wealthy Donors Over Average Citizens Special Interests Over the Public Interest Incumbents Over Challengers Grassroots Candidates Secret Spenders Over Voters Seeking Accountability Keep Reading Report NJPIRG Law Policy Center Democracy Outside Spending Outsized Influence The 2012 elections were by far the most expensive in history thanks primarily to the tidal wave of outside special interest money triggered by the Supreme Court s Citizens United decision The federal Senate and House races in New Jersey where outside groups spent over 3 million were no exception Keep Reading Report NJPIRG Law Policy Center Democracy Elections Confidential Elections Confidential describes how secret donors poured hundreds of millions into the 2012 election through social welfare non profits that are really political vehicles and via shell corporations formed as conduits to hide a funder s identity Keep Reading Pages first previous 4 5 6 7 8 9 10 11 12 next last 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 Keep Reading Blog Post Consumer Protection U S House Considers Delay To Financial Protections for Servicemembers Veterans Ed Mierzwinski UPDATED 30 April Last year

    Original URL path: http://njpirg.org/home?page=7 (2016-04-29)
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  • NJPIRG | Standing Up To Powerful Interests
    to public safety Over 12 million people live near a high risk New Jersey chemical plant Keep Reading News Release NJPIRG Public Health Transportation Chemical Security Getting On the Right Track The President s Executive Order is a great step forward in modernizing the security of our chemical facilities Keep Reading Pages first previous 5 6 7 8 9 10 11 12 13 next last Report NJPIRG Law Policy Center Budget Tax Subsidizing Bad Behavior BP s recent 4 5 billion legal settlement with the Justice Department for its misdeeds in the Gulf oil spill was historic for being the largest ever criminal settlement But it was historic for another reason as well none of it is allowed to be tax deductible Unfortunately too many settlements for wrongdoing end up as tax deductions Keep Reading Report NJPIRG Law Policy Center Budget Tax What America Could Do with 150 Billion Lost to Offshore Tax Havens Many corporations and wealthy individuals use offshore tax havens countries with minimal or no taxes to avoid paying 150 billion in U S taxes each year To put this sum in perspective this factsheet provides examples of how it could be used Keep Reading Report NJPIRG Law Policy Center Consumer Protection Trouble in Toyland 2012 The 2012 Trouble in Toyland report is the 27th annual U S Public Interest Research Group PIRG survey of toy safety In this report U S PIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards Keep Reading Report NJPIRG Law Policy Center Consumer Protection Big Banks Bigger Fees Over the last six months state PIRG staff conducted inquiries at 250 bank and 116 credit union branches in 17 states and the District of Columbia and reviewed bank fees online in these and 7 other states This report addresses the following questions How easy is it for consumers to shop around for financial services Are banks complying with current fee disclosure requirements Can consumers still find free or low cost checking accounts or has free checking ended Keep Reading Report NJPIRG Law Policy Center Democracy Distorted Democracy Post Election Edition Our new analysis of data through Election Day from the Federal Election Commission FEC and other sources shows how big outside spenders drowned out small contributions in the 2012 election cycle just 61 large donors to Super PACs giving on average 4 7 million each matched the 285 1 million in grassroots contributions from more than 1 425 500 small donors to the major party presidential candidates Keep Reading Pages first previous 5 6 7 8 9 10 11 12 13 next last Blog Post Financial Reform As NY Brings Credit Bureaus To Heel CFPB Arbitration Study Paves Way Toward New Protections Ed Mierzwinski Two big consumer stories so far this week offer hope to consumers victimized by credit bureau errors and more generally by an inability to take credit bureaus credit card companies

    Original URL path: http://njpirg.org/home?page=8 (2016-04-29)
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  • NJPIRG | Standing Up To Powerful Interests
    state departments of transportation DOTs show that the broader goals articulated by President elect Obama will be undermined if Congress the Administration and the states do not establish forward looking rules for spending stimulus funds Keep Reading Report NJPIRG Law Policy Center Public Health Airborne Toxic Pollution And Health This report focuses on releases to New Jersey s air of carcinogens and developmental toxins In reviewing airborne releases of toxic pollution in New Jersey we have reached three conclusions First industrial facilities continue to release enormous volumes of chemicals that cause cancer and developmental problems Second the airborne toxins are a problem statewide Third safer alternatives exist for many of these chemicals Keep Reading Pages first previous 46 47 48 49 50 51 52 53 54 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 Make a donation Resources Reports Get our RSS feed Our Affiliates Our Sister c 3 Are you a student Energy Service Corps Our Federation We have the momentum Consumers like you convinced McDonald s and Subway to take action to protect public health This summer we re asking KFC to do the same Will you help win change Donate Now Get Big Money Out Voters In Super PACs and mega donors are drowning out the voices of regular Americans but together we can take our elections back The momentum is already building will your voice be heard What can I do Stop the Highway Boondoggles Americans are finding alternative ways to get around but our transportation priorities are stuck in the past Our research has found 11 projects that should be sent back to the

    Original URL path: http://njpirg.org/home?page=53 (2016-04-29)
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  • The Department of Labor Fiduciary Rule for Investment Advice | NJPIRG
    of the past most young people need to create their own retirement savings and therefore need to be able to rely on their investment advisors to act in their best interests Most people understandably but incorrectly assumed that this consumer protection was already required which until today was not the case According to conservative estimates more than 17 billion is unnecessarily lost every year from retirement savings under our current system Over decades putting this money back into the investment accounts of savers will mean the difference between scrambling to make ends meet well into retirement years or a financially secure future for millions of Americans 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

    Original URL path: http://njpirg.org/news/usp/department-labor-fiduciary-rule-investment-advice (2016-04-29)
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