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Blog Post | Financial Reform

CFPB Criticizes Banks Re Account Opening and Overdrafts, Offers Consumer Tips | Ed Mierzwinski

Today, the CFPB is holding a field hearing in Louisville on problems consumers face when opening bank accounts. It finds that big banks frequently offer consumers expensive accounts where they risk overdraft fees instead of affordable accounts. Further, the CFPB finds that the practices of specialty "bad check" credit bureaus make it harder to open accounts. The CFPB issued warnings to both the banks and credit bureaus while providing consumers with new tips and advice.

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Blog Post | Financial Reform

Debating trade and consumer protection in Brussels today | Ed Mierzwinski

I am in Brussels today debating consumer protection and the proposed US-European trade treaty known as the TransAtlantic Trade and Investment Partnership or TTIP. Today's public event, and a second public meeting tomorrow (Wednesday with live webstream 9am-noon DC time) comparing the CFPB to its European counterparts, are sponsored by the PIRG-backed TransAtlantic Consumer Dialogue.

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Blog Post | Public Health, Food

The foundation is crumbling | Bill Wenzel

What was missing from President Obama's visionary plan for medical progress? 

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Blog Post | Consumer Protection, Make VW Pay

House Tees Up VW Bailout and Other Attacks on Public Protections, Consumer Rights | Ed Mierzwinski

(Updated 8 January to add vote results): You've probably heard that the House is soon planning to again repeal the Affordable Care Act (Obamacare). That bill will certainly be vetoed. But the House has other anti-consumer, anti-environmental bills scheduled for floor action this week and next. The bills take aim at agency health, financial and safety regulations and also consumer rights to band together as a class to take their grievances against corporate wrongdoers to court. That last bill would immunize Volkswagen from having to compensate VW Diesel owners for being deceptively sold cars designed to "defeat" air pollution requirements.

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Blog Post | Public Health, Food

Progress in 2015 and hope for the new year | Anya Vanecek

This was a big year for the fight to save antibiotics. Now we’re looking to the future and looking forward to continuing our efforts to stop the overuse of antibiotics in factory farming.

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News Release | MoPIRG Foundation | Tax

Offshore Tax Dodging Blows a $843 Million Hole in Missouri Budget

With Missouri in the midst of a budget crisis, MoPIRG Foundation, joined by small business owners, released a new study revealing that Missouri lost $843 Million due to offshore tax dodging in 2012. Many of America’s wealthiest individuals and largest corporations, use tax loopholes to shift profits made in America to offshore tax havens, where they pay little to no taxes.

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Media Hit | Budget

Kansas City's Report Card Is In

Ever wonder what goes on during a city council meeting? Or how much money was made from parking meters last year? The answers to some questions like these are available to the public online, but every city in the United States differs on how much information they share.

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News Release | MoPIRG Foundation | Budget

Kansas City Receives a “C” Grade for Spending Transparency

Kansas City received a “C” grade for spending transparency, according to a new report released today by MoPIRG. The report reviews Kansas City’s progress toward comprehensive, one-stop, one-click budget accountability and accessibility.

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News Release | MoPIRG Foundation | Budget

Saint Louis Receives Failing Grade for Spending Transparency

The city of St. Louis received a failing grade for spending transparency, according to a new report released today by the MoPIRG Foundation. The report reviews Saint Louis’ progress toward comprehensive, one-stop, one-click budget accountability and accessibility.

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News Release | MoPIRG | Budget

First Step to Avoid the Fiscal Cliff: Close Offshore Tax Loopholes

With Congress scrambling to agree on ways to reduce the deficit, MoPIRG joined with Lew Prince, a St. Louis small business owner, today to point out a clear first step to avoid the “fiscal cliff”: closing offshore tax loopholes. Many of America’s largest corporations and wealthiest individuals use accounting gimmicks to shift profits made in America to offshore tax havens, where they pay little to no taxes. This tax avoidance costs the federal government $150 billion in tax revenue each year. MoPIRG released new data illustrating the size of this loss with 16 dramatic ways $150 billion could be spent.

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Report | U.S. PIRG | Tax

Tax Shell Game: The Taxpayer Cost of Offshore Corporate Havens

Many of the largest corporations in our country hide profits made in the United States in offshore shell companies and sham headquarters in order to avoid paying billions in federal taxes. The result is massive losses in revenue for the U.S. Treasury – which ultimately must be made up by taxpayers.  

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Report | U.S. PIRG | Transportation

Private Roads Public Costs: The Facts About Toll Road Privatization and How to Protect the Public

A growing number of states are considering arrangements in which a private operator provides an up-front payoff or builds a new road in return for decades of escalating toll receipts. The report assesses these deals and identifies a number of problems.

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Report | U.S. PIRG | Safe Energy

The High Cost of Nuclear Power: Why America Should Choose a Clean Energy Future Over New Nuclear Reactors

Nuclear power is among the most costly approaches to solving America’s energy problems. Per dollar of investment, clean energy solutions – such as energy efficiency and renewable resources – deliver far more energy than nuclear power.

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Report | U.S. PIRG | Consumer Protection

Trouble In Toyland: The 23rd Annual Survey of Toy Safety

The 2008 "Trouble in Toyland" report is the 23rd annual Public Interest Research Group (PIRG) survey of toy safety. This report provides safety guidelines for parents when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards. We visited numerous toy stores and other retailers to find potentially dangerous toys and identify trends in toy safety. This year, we focused specifically on toys that contain lead and phthalates in our research.

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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, banks or payday lenders to court when harmed. On Monday, New York's Attorney General Eric Schneiderman signed a groundbreaking agreement with the Big Three credit bureaus, Equifax, Trans Union and Experian. Then today, the CFPB released a report finding that consumer legal rights are infringed by small-print forced arbitration clauses in credit card and other contracts.  The CFPB will hold a webcast public hearing at 11am Eastern time today (Tuesday) to discuss the report's findings and next steps.

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Blog Post | Financial Reform

Is Anyone Protecting Your Privacy Or Wallet? Turbotax? Anthem? Apple? The Government? | Ed Mierzwinski

As if recent privacy breaches at the online tax preparer Turbotax and the health insurer Anthem weren't enough, it turns out that low-tech hacks can trick the vaunted Apple Pay system into giving up cash to thieves, too. Meanwhile, while the administration's blueprint for a Privacy Bill of Rights in 2012 was excellent, its new legislative draft from the Department of Commerce could have been written by the U.S. Chamber of Commerce. There is some good news on privacy, though.

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Blog Post | Consumer Protection

As House Holds Oversight Hearing, 340 Groups Call For Defense of CFPB | Ed Mierzwinski

Today, Consumer Financial Protection Bureau Director Richard Cordray will present the CFPB's sixth semi-annual report to the House Financial Services Committee, whose majority members have been harsh critics of the successful consumer agency. Americans for Financial Reform, joined by the state PIRGs and a total of 340 national, state and local groups, sent Congress a letter explaining why the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

Coalition Launched To Protect Retirement Savings from Wall Street Loopholes | Ed Mierzwinski

We've joined AARP, the Consumer Federation of America, AFL-CIO, Americans for Financial Reform and other leading groups to support an imminent Department of Labor rule to require retirement advisors to put consumers first. Wall Street brokerages and insurance companies have already launched a fierce lobbying attack, since they've been using loopholes to put themselves first to the tune of an estimated $17 billion/year by pocketing what should be your retirement income.

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Blog Post | Financial Reform

Anthem Customers and Others: Some Advice On Steps To Take After Data Breach | Ed Mierzwinski

UPDATED (9 Feb.) Retail store data breaches make a mess, but an easy one to clean up and the few consumers who become fraud victims are quickly made whole. The Anthem hackers, on the other hand, reportedly obtained a mother lode of information that could be used to commit a variety of serious frauds, including obtaining your tax refund. Read our tips here. Here's the first: Don't click on any emails claiming to be from Anthem; some may be malicious.

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