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Report | CALPIRG Education Fund | Transportation

From Deceit to Transformation

A new report from CALPIRG Education finds that $381.3 from the Volkswagen (VW) settlement is headed to California to help clean up the state’s transportation system and recommends using the funds to purchase electric vehicle fast charging stations for the state’s highways along with an aggressive expansion of all-electric transit buses to replace aging, dirty, diesel buses.

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Blog Post | Consumer Protection

CFPB Report Finds 1 In 4 Consumers Feel "Threatened" By Debt Collector Tactics | Ed Mierzwinski

We joined Consumer Financial Protection Bureau Director Richard Cordray and Washington, DC Attorney General Karl Racine for release of new CFPB data on debt collector abuses. Fully 1 in 4 consumers feel "threatened" by abusive, possibly illegal, debt collector tactics. The release also included an emphasis on problems with the "debt buyer" industry, comprised of firms that buy older, uncollected debt for as little as less than a penny on the dollar.

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News Release | U.S. PIRG | Financial Reform

CFPB Taps Former Pentagon Legal Official to Head Office of Servicemember Affairs

We join National Consumer Law Center, Americans for Financial Reform and other leading groups in a release commending the appointment of senior Pentagon official Colonel Paul Kantwill (U.S. Army, Retired) to lead the Consumer Financial Protection Bureau’s (CFPB) Office of Servicemember Affairs. The CFPB plays an important role in protecting servicemembers, veterans and their families from financial predators.

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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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News Release | CALPIRG | Democracy

Gov. Brown Signs Bill to Enable Small Donor Reforms

Our elections shouldn’t be about big checks, they should be about big ideas and finding the candidate who best represents their constituents. SB 1107 opens the door for small donor empowerment programs, permitting all cities, the county and the state to use public funds establish their own campaign finance solutions. 

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News Release | CALPIRG Education Fund | Democracy

New Report Highlights Opportunities to Welcome Underrepresented California Youth onto Voter Rolls

As preregistration of 16- and 17-year-olds goes live in California, we want all eligible and willing California youth added to the voter rolls on their 18th birthday, at their current address, and armed with knowledge about how to participate in elections. That’s a big undertaking that will require strategic outreach, education, and communication with youth across the state. 

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Media Hit | Democracy

Sacramento Bee Op-Ed: Bill would empower small campaign donors over special interests, megadonors

Imagine a private company is hiring new staff, but for 82% of the applicants who make it past a first round interview, the business decides to go with the wealthier job applicant. That sounds outrageous, it sounds unfair, and it certainly doesn’t sound like good practice when it comes to hiring the most qualified applicants. But that’s similar to what’s happening in American elections.

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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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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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Result | Health Care

Fighting To Make Health Care Affordable

Thanks to a new CALPIRG-backed law, insurance companies actually have to justify rate hikes to the public, bringing some much-needed accountability. Thanks in part to the new law — and public pressure, including 1,200 public comments from CALPIRG supporters — Anthem Blue Cross and Blue Shield of California both backed off of double-digit rate hikes.

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Result | Budget

Keeping Public Libraries Public

To plug budget gaps, it seems that local governments will consider selling anything; some have even sold their public libraries. CALPIRG has stood up to and blocked a number of wrong-headed schemes to sell public assets to private companies — deals that all too often actually raise costs — including public libraries, state buildings and the privatization of red light camera enforcement.

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Result | Public Health

KIDS’ SCHOOL LUNCHES NOW SAFER

For years, America’s schoolchildren have been eating beef, chicken and other foods that would have been rejected as substandard even by fast food chains. Thanks in part to our advocacy, the U.S.D.A. has stopped buying such low-quality meat for school lunches.

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Result | Democracy

Defeating Big Oil’s Ballot Proposition

CALPIRG helped run a campaign that identified 160,000 young voters who pledged to vote No on Prop. 23, the oil industry-funded attack on California’s landmark global warming law. To combat the millions of dollars Texas oil companies Valero and Tesoro poured into electioneering, our organizers mobilized young voters — the segment of the electorate most likely to vote against Prop. 23, but most are in need of a reminder to get to the polls.

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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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Report | CALPIRG Education Fund | Transportation

The Innovative Transportation Index

This report reviews the availability of 11 technology-enabled transportation services – including online ridesourcing, carsharing, ridesharing, taxi hailing, static and real-time transit information, multi-modal apps, and virtual transit ticketing – in 70 U.S. cities. It finds that residents of 19 cities, with a combined population of nearly 28 million people, have access to eight or more of these services, with other cities catching up rapidly.

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Report | CALPIRG | Democracy

The Cost of Running for US Senate in California

A comparison of fundraising practices for a U.S. Senate seat in California under current law and how fundraising could change if the Fair Elections Now Act became law.

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Blog Post | Consumer Protection

Wall Street Ramps Up Attacks on Wall Street Reform | Ed Mierzwinski

On Friday, the House overwhelmingly approved a Wall Street-driven proposal to weaken oversight of private equity firms, taking a chunk out of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. But wait, there's so much more: On Tuesday the House Financial Services Committee takes up the so-called "Financial Choice Act," which eviscerates most of Dodd-Frank's key reforms, from stripping powers of the Financial Stability Oversight Council to repealing the Volcker Rule, which reins in risky betting practices that use depositors' money. As for the CFPB (which just this week issued its biggest fine to date, $100 million against Wells Fargo Bank for opening hundreds of thousands of fake and secret consumer accounts to meet sales goals), the proposal would defund and defang it and delay or stop its efforts to rein in unfair practices of payday lenders, debt collectors and banks. Many of the Financial Choice Act's provisions also pose threats as budget bill "riders."

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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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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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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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BAN ROUNDUP

We're calling on the EPA to ban Monsanto's Roundup unless and until independent research proves it's safe. Let's hold them accountable.

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