Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

CALPIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 30 years, CALPIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, CALPIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

Blog Post | Consumer Protection

What is payday lending? | Kathryn Lee

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. 

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Blog Post | Consumer Protection

Lowering your APR might be easier than you think | Kathryn Lee

Many Americans are walking around with a balance on their credit card because of high interest rates, or annual percentage rate (APR) charges for unpaid balances. It's best to pay off your balance in full but if you don't or can't, a higher APR makes your debit grow faster. What most people don’t realize is this APR can be negotiated to a lower rate.

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Blog Post | Consumer Protection

CALPIRG Legislative Bills to Watch | Emily Rusch

With another flurry of policy committee hearings next week, here are the public interest bills CALPIRG is supporting next week in the California Legislature. Links to our letters of support are included in the blog post.

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Blog Post | Consumer Protection

Bills to Watch this Week in the Legislature | Emily Rusch

This week is a busy week for policy committee hearings in the California Legislature. Here’s a short list of CALPIRG-supported bills that are being heard in committee this week (click on the links to read our letters of support).

 

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Blog Post | Consumer Protection

Legislative committee hearing considers appropriate next steps in the VW emissions scandal | Emily Rusch

Yesterday I testfied before a legislative committee hearing on the VW emissions scandal. From my testimony: "If a company produces a product that is defective, it should buy it back. If a company lies about what is in its product, it should buy it back. If a company tricks its customers into unwittingly polluting our air, it should make up for that pollution. It has been more than five months since the scandal broke and VW still hasn’t made any of these commitments to the customers it lied to."

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News Release | CALPIRG Education Fund | Consumer Protection

Report: Spirit is Most Complained-About Airline

SACRAMENTO — Spirit Airlines passengers are most likely to complain about their experience, according to a report released today by the CALPIRG Education Fund. Among major airlines, Spirit generates the most complaints for its size and generates an increasing number of complaints each year. Other most-complained about firms include Frontier Airlines, United Airlines, and American Airlines.

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Capital One says it can show up at cardholders' homes, workplaces

Los Angeles Times: Emily Rusch, Executive Director of the California Public Interest Research Group, a consumer advocacy organization, said it's especially troubling for Cap One to declare itself a spoofer as people grapple with recent security breaches involving Target, Neiman Marcus and other businesses.

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News Release | CALPIRG Education Fund | Consumer Protection

Report: Capital One Most-Complained-About Credit Card Company in California

Sacramento, CA - California consumers file more complaints about Capital One than any other credit card company, according to a report released today by CALPIRG Education Fund. The report, which looked at data from the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database, also found that California consumers filed the most credit card complaints.

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News Release | CALPIRG Education Fund | Consumer Protection

CALPIRG’s Top Tips for Online Shopping

CALPIRG releases holiday online shopping guide to help California consumers save money and stay safe online as they shop.

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Report | CALPIRG Education Fund | Consumer Protection, Safe Energy

The Campus Credit Card Trap:

College students are among the most prominent targets for this marketing.   They are young and understand that they need credit to get ahead in the world. Some need credit because of the rising cost of a college education. Finally, most of them are clumped together on campuses that they either commute to or live at. This makes them easy to target.

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Report | CALPIRG Education Fund | Consumer Protection

Locked In a Cell:

A high level of concentration in a major industry can be accompanied by excessive market power, which in turn can reduce competition to the detriment of consumers.

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Report | CALPIRG Education Fund | Consumer Protection

Mistakes Do Happen:

The most common reflection of our reputation as a trustworthy consumer is our credit report. Unfortunately, the information contained in our credit reports, which are bought and sold daily to nearly anyone who requests and pays for them, does not always tell a true story.

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Report | CALPIRG Education Fund | Consumer Protection

Policing Privacy:

This report summarizes interviews CALPIRG Education Fund held with law enforcement officers from California and other cities with high identity theft rates.

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Report | CALPIRIG Education Fund | Consumer Protection

Privacy Denied

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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 | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

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.

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Blog Post | Consumer Protection, Safe Energy

CALPIRG to CPUC: Utilities should pay consumers fairly for their rooftop solar | Emily Rusch

Today we join 130,000 Californians who have signed petitions urging you to protect net metering, reject new fees, and continue to expand solar access to more Californians.

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Blog Post | Consumer Protection

As CFPB Advances Consumer Protection, Attacks on CFPB Escalate | Ed Mierzwinski

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.

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Blog Post | Consumer Protection, Health Care

Pro-Consumer Healthcare Bills Pass Legislature, Await Governor's Signature | Jason Pfeifle

Late last week the California State Legislature passed a series of bills designed to help prevent unfair medical charges, excessive health insurance rates, and misleading information about access to health care providers. Together these bills, if signed into law by Governor Jerry Brown, will help promote a more consumer friendly and affordable health care system in California.

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