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

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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Los Angeles Times: Lawmakers are fighting efforts to rein in predatory lending. Why?

"The [Consumer Financial Protection] bureau is effective precisely because it is an agency whose sole job is to look out for the best interests of consumers," said Emily Rusch, executive director of the California Public Interest Research Group. "No one should have to pay triple-digit interest rates on a loan."

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Blog Post | Consumer Protection

20 groups call on FTC to protect consumers and prohibit the sale of certified used cars with unrepaired safety recalls | Deirdre Cummings

CALPIRG joined more than 20 consumer organizations in calling on the Federal Trade Commission (FTC) to prohibit the practice of selling “certified” used cars with unrepaired safety recalls. The formal comments were in response to the FTC's proposed settlements with General Motors, Jim Koons Management, and Lithia Motors. 

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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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News Release | CALPIRG Education Fund | Consumer Protection

CALPIRG Releases Q&A on Net Neutrality & How to Protect the Web

CALPIRG Ed Fund releases new report titled, “Net Neutrality: What’s At Stake & How to Protect It,” defining net neutrality, explaining its relevance, outlining appropriate regulatory responses, and concluding with a Question & Answer on net neutrality.

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Trouble in Toyland? Expert Talks Holiday Toy Safety for Children

Sabrina Rodriguez tackles toy safety with CALPIRG’S Garo Manjikian.

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'Trouble in Toyland' report reveals toxic, dangerous toys

This year's survey revealed the results of lab tests on toys for toxic chemicals. Some items on the list of high toxic items came as a shock to parents, like a Ninja Turtle pencil box, which is being sold at select Toys-R-Us stores.

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Calpirg Releases Annual Hazardous Toy Report

The report says small kids are still at risk from toys containing lead, phthalates (thal-ates) and other chemicals. Researchers also found toys for toddlers with parts small enough to cause choking.

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Report | CALPIRG Education Fund | Consumer Protection

Common Sense Accounting Reforms For California Investors And Taxpayers

The California marketplace is plagued by increasing conflict-of-interest problems that lead to inaccurate corporate audits, an upsurge in “earnings restatements”, and a loss of investor confidence.

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Report | CALPIRG Education Fund | Consumer Protection

Rent-A-Bank Payday Lending:

One consequence of deregulation of interest rates, high credit card interest rates and high bank fees has been the rapid growth of the alternative financial services (or fringe banking) industry, which includes check cashing outlets, payday loan companies, rent-to-own stores, high cost second mortgage companies, sub-prime auto lenders, traditional pawn shops and the growing business of auto title pawn companies. This report examines payday lending in detail.

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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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Blog Post | Consumer Protection

House holds stacked hearing to attack retirement savings rule proposal | Ed Mierzwinski

The House Financial Services Committee is holding a typically stacked hearing -- one consumer-side witness against four Wall Street-backed lobbyists  -- to attack the important retirement savings rule proposed by the Department of Labor. The rule simply requires retirement advisors to put the customer's needs  -- not their own compensation -- first.

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Blog Post | Consumer Protection

Court Reinstates Case Against Bank That Aided Senior Citizen Fraud | Ed Mierzwinski

This week, the 3rd Circuit, U.S. Court of Appeals overturned a lower court decision that had denied class action status to victims of a scheme targeting senior citizens who were suing Zions Bank and its payment processor affiliates for aiding the fraudsters. U.S. regulators led by the Department of Justice have been fighting this and similar schemes, yet powerful special interests have managed to create a false narrative in Washington, DC that has been picked up by opponents of consumer protection laws. They falsely claim that the government's target is "legitimate" payday lenders and gun dealers. Wrong, the target is financial crimes against consumers, many consumers.

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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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