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News Release | CALPIRG Education Fund | Consumer Protection

Report: Analysis of Payday Complaints Reveals Need for Stronger Federal Protections 

Oakland - Consumer complaints about payday loans to the Consumer Financial Protection Bureau (CFPB) show a critical need for strengthening the agency’s proposed rule to rein in payday loans and other high-cost lending, according to a report released today by the CALPIRG Education Fund. 

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Report | CALPIRG Education Fund | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

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Media Hit | Public Health

East Bay Times: California must tackle super-pollutants in air

"Through decades of emissions restrictions, California has made huge strides in cleaning our air and protecting public health from the worst effects of air pollution. But there is still more work to do, and the Legislature has an opportunity right now to pass a bill that would dramatically cut the super pollutants in our air," writes CALPIRG's Public Health Advocate Jason Pfeifle in the East Bay Times. 

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Blog Post

CALPIRG Students Travel to Sacramento in Support of Climate Action | Jason Pfeifle

Wednesday was a historic day at the Capitol as the Legislature passed SB 32, a landmark climate bill that will extend California's emissions reduction target to 40% below 1990 levels by 2030. CALPIRG students from across the state made the trip to Sacramento to show their support for this historic climate legislation.

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Blog Post | Consumer Protection

Good news! CFPB Adding Consumer Ratings of Company Responses to Complaint Database | Ed Mierzwinski

The CFPB is making a good public consumer complaint database better. In 2015, the CFPB added optional consumer narratives, or stories, to its public consumer complaint database, giving other consumers, researchers and even other firms a new way to help study complaint patterns. Now, it will give consumers a chance to “rate the company’s handling of his or her complaint on a one-to-five scale and provide a narrative description in support of the rating.”

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News Release | CALPIRG | Democracy

CALPIRG Statement on The Overturn Citizens United Act

We are thrilled that California voters will be able to go on record this fall and formally instruct our representatives to overturn Citizens United and get big money out of politics. 

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News Release | U.S.PIRG | Consumer Protection

Strong National Payday Rule Could Save Consumers Billions

Today, the Consumer Financial Protection Bureau (CFPB) released its draft high cost small dollar lending (payday and auto title) loan rule for public comment. 

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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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News Release | CALPIRG | Democracy

Local and National Democracy Advocates Urge Governor Brown to Sign the Overturn Citizens United Act

Today the California Senate passed SB 254 The Overturn Citizens United Act in a 26 to 11 vote.  The bill now goes to Governor Jerry Brown's desk. SB 254 would place a voter instruction on the November ballot that would ask Californians if their representatives should “use all of their constitutional authority…to overturn Citizens United v. FEC and other applicable judicial precedents.”

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Why 164 Consumer Groups have called on the Consumer Financial Protection Bureau to Restrict Forced Arbitration Clauses

Reporter Michael Finney from KGO radio interviews CALPIRG Executive Director Emily Rusch about a new proposed rule to allow consumers to sue their banks for wrongdoing. 

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Tesoro Toll Road Extension Denied

In March 2015, CALPIRG won a big victory when the San Diego Water Board voted 6-0 to uphold a previous decision to deny the Foothill/Eastern Transportation Corridor Agency (TCA) a permit to build a 5.5-mile extension to their existing toll road, State Route 241. After reviewing transportation projects across America, CALPIRG Education Fund and Frontier Group selected TCA’s Tesoro Extension Project as one of 11 “highway boondoggles,” because of TCA’s poor financial track record on their previous toll roads.

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Result | Health Care

New Health Care Marketplace Opens

We helped win real reforms that led to the creation of a new California health care marketplace, Covered California. New health insurance options are now available to small businesses and individuals that could save consumers a lot of money. Consumers are able to make choices based not only on cost, and access to care, but the quality of that care.

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Result | Democracy

CALPIRG Helps Register 40,000 New Voters

In 2012, CALPIRG worked with college campuses across the state to ensure that both online and paper voter registration options were made available to students. Through our outreach, we helped to register more than 40,000 young Californians to vote.

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Result | Democracy

Legislature Passes Resolution Against Citizens United

More than 50,000 Californians, many of them CALPIRG members, joined our call to put our state on record in opposition to the Supreme Court ruling that opened the floodgates to a torrent of Super PAC-fueled campaign spending. The California Legislature passed our resolution — joining more than a dozen other states — calling for a constitutional amendment that would overturn the Citizens United decision.

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Result | Health Care

Pro-consumer Health Care Reform

CALPIRG’s advocacy helped ensure the health care law will bring down costs by setting up a competitive health insurance marketplace. In 2010, California became the first state in the country to begin setting up our state health insurance exchange.

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Report | CALPIRG Education Fund and Citizens for Tax Justice | Tax

Offshore Shell Games 2015

U.S.-based multinational corporations are allowed to play by a different set of rules than small and domestic businesses or individuals when it comes to the tax code. Rather than paying their full share, many multinational corporations use accounting tricks to pretend for tax purposes that a substantial portion of their profits are generated in offshore tax havens, countries with minimal or no taxes where a company’s presence may be as little as a mailbox. Multinational corporations’ use of tax havens allows them to avoid an estimated $90 billion in federal income taxes each year.

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Report | CALPIRG Education Fund | Consumer Protection

CarMax’s Sales Practices Endanger Lives in California

This report finds that CarMax, the nation’s largest retailer of used cars, is selling many unsafe, unrepaired, recalled vehicles in California that are hazardous not only to the people who buy CarMax cars, but also to their families, other motorists, bike riders, and pedestrians.

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Report | CALPIRG Education Fund | Transportation

Who Pays For Roads?

Many Americans believe that drivers pay the full cost of the roads they use through gas taxes and other user fees. That has never been true, and it is less true now than at any other point in modern times. Today, general taxes paid by all taxpayers cover nearly as much of the cost of building and maintaining highways as the gas tax and other fees paid by drivers.

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Report | U.S. PIRG Education Fund | Budget, Tax

Picking Up The Tab 2015: Small Businesses Pay the Price for Offshore Tax Havens

Every year, corporations and wealthy individuals 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 federal and state income tax liabilities by billions of dollars. While 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 – they continue to avoid paying for these benefits.

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Report | CALPIRG Education Fund | Budget

Following the Money 2015: How the 50 States Rate in Providing Online Access to Government Spending Data

Accountability and public scrutiny are necessary to ensure that the public can trust that state funds are spent as well as possible. This report, our sixth annual evaluation of state transparency websites, finds that states continue to make progress toward comprehensive, one-stop, one-click transparency and accountability for state government spending. Over the past year, many states have launched new and improved websites to better open the books on public spending, or have adopted new practices to further expand citizens’ access to critical spending information.

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Blog Post | Antibiotics

CALPIRG Celebrates National Fried Chicken Day by Calling on KFC to Save Antibiotics | Jason Pfeifle

Yesterday was National Fried Chicken Day. At CALPIRG, we decided to celebrate by calling on the largest national fried chicken chain to help stop the misuse of antibiotics on factory farms.

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Blog Post | Consumer Protection

Delayed CFPB/Other Wall Street Reform Rollbacks Happening Today On House Floor | Ed Mierzwinski

Last month the House canceled floor consideration of the Financial Services and General Government Appropriations bill. FSGG is back on the floor today and tomorrow. We urge support of amendments to protect the Consumer Financial Protection Bureau (CFPB) but, since they won't pass, we urge a no vote on the bill. Here's an updated excerpt from my previous blog.

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Blog Post | Democracy

Five things you need to know about gray money | Sarah Friedman

Since the 2010 Citizens United ruling, we've heard about Super PACs able to spend unlimited amounts on our elections while obscuring the sources of the cash. Now, their tactics are getting even more creative.

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Blog Post | Consumer Protection

Court Rejects PIRG-Opposed Swipe Fee Settlement With Visa/Mastercard | Ed Mierzwinski

Today, a panel of the U.S. Court of Appeals for the Second Circuit threw out a preliminary $7.25 billion settlement between Visa and Mastercard and any merchant accepting credit cards (including U.S. PIRG), ruling that despite that seemingly massive payment for past practices that the settlement gave inadequate relief to merchants going forward, as it essentially immunized the networks for any future illegal conduct while providing mostly illusory benefits. Since we accept credit cards from our members, we, joined by Consumer Reports, had formally objected to the settlement as consumer advocates who also happen to be merchant class members (most merchant associations also objected).

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Blog Post | Democracy

Five Ways Big Money Changed Since our Last Race for the White House | Samantha Garzillo

Today, the influence of big money in our elections continues to grow. This year, we see more super PACs, more secret money, and a smaller handful donors able to fund a larger share of the election. But you don’t have to take our word for it, just take a look at the numbers. Here are five of the biggest changes we’ve seen over the past four years in campaign fundraising.

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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.

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