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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 | Transportation

Owning Fewer Cars Isn’t Just For Millennials | Sean Doyle

New transportation options are making it easier for people to use transit more, own fewer cars, and even save money on transportation.

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Blog Post | Financial Reform

We oppose latest effort to weaken CFPB, other bank regulators | Ed Mierzwinski

Today, the House Financial Services Committee holds its latest cattle-call markup of a package of industry-backed bills designed to weaken consumer, taxpayer, depositor and investor protections. We've signed a letter opposing the so-called TAILOR (Taking Account of Institutions with Low Operation Risk) Act, which piles redundant requirements onto the Consumer Financial Protection Bureau and other regulators to do what they already do by existing law--treat small banks and credit unions differently than mega-banks. Also, the PIRG-backed Americans for Financial Reform sent up a letter opposing the TAILOR Act and 6 more of the 10 bills on the agenda because they are designed to weaken consumer, taxpayer, depositor and investor protections.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

More Than 100 Groups Insist on No Riders in Spending Legislation

The day before the White House is expected to release its fiscal year 2017 budget proposal, a coalition of more than 100 groups, including U.S. PIRG, sent a letter calling on President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains ideological policy riders.

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Blog Post | Consumer Protection, Financial Reform

100+ Groups Oppose Provisions That Threaten Public Protections | Mike Litt

The White House is expected to release its fiscal year 2017 budget proposal tomorrow. U.S. PIRG and various state PIRGs joined a coalition of more than 100 groups that sent the following letter calling on President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains ideological policy riders. 

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News Release | MoPIRG | Food

Ag Subsidies Pay for 20 Twinkies per Taxpayer, But Only Half of an Apple Apiece

Federal subsidies for commodity crops are subsidizing junk food additives like high-fructose corn syrup at a rate that would buy 20 Twinkies for each taxpayer every year, according to MoPIRG's new report, "Apples to Twinkies 2013." Meanwhile, subsidies for fresh fruits and vegetables would buy just one half of an apple per taxpayer per year. These subsidies are part of the Farm Bill that expires in September.

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News Release | MoPIRG | Higher Ed

President's Budget Hits Students Down the Road

If Congress takes no action, interest rates will double on July 1st from 3.4% to 6.8% for subsidized Stafford loans, which more than 7 million college students rely on to attend school.

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News Release | MoPIRG | Budget, Tax

Offshore Tax Havens Cost Average Missouri Taxpayer $783 a Year

With Tax Day approaching, it’s a good time to be reminded of where our tax dollars are going. MoPIRG released a new study which revealed that the average Missouri taxpayer in 2012 would have to shoulder an extra $783 in taxes to make up for the revenue lost due to the use of offshore tax havens by corporations and wealthy individuals. 

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News Release | MoPIRG Foundation | Budget

Missouri Receives a “C” in Annual Report on Transparency of Government Spending

Missouri received a “C” when it comes to government spending transparency, according to “Following the Money 2013: How the States Rank on Providing Online Access to Government Spending Data,” the fourth annual report of its kind by MoPIRG Foundation

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Media Hit | Budget

Budget Solution is Hiding in the Caymans

Should we really cut food safety, law enforcement, and education while the nation’s largest, most profitable corporations use loopholes to avoid paying the taxes they should pay?

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Report | MoPIRG | Transportation

The Right Track: Building a 21st Century High-Speed Rail System for America

America’s highways and airports are increasingly congested. Our nation’s transportation system remains dependent on oil. And our existing transportation infrastructure is inadequate to the demands of the 21st century.

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Report | MoPIRG | Consumer Protection

Trouble in Toyland: The 24th Annual Survey of Toy Safety

The 2009 Trouble in Toyland report is the 24th 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.

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Report | U.S. PIRG | Health Care

Putting America Back to Work

A U.S. Public Interest Research Group Research Brief, entitled Putting America Back to Work, finds that proposals to tame health care costs could allow the creation of 2.5 million jobs over a five year period  without inflationary effects, and yield stronger economic growth over the long term.

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Report | U.S. PIRG | Democracy

Saving Dollars, Saving Democracy

While there is much to celebrate in the expanded participation of traditionally underrepresented groups – for example, 3.4 million more young voters than the previous election – it is also important to recognize the enormous obstacles and cost inefficiencies that occur in our current registration system.  

U.S. PIRG Education Fund’s survey of 100 counties showed that over $33,467,910.00 of public money was spent on simple registration implementation and error-correction issues in 2008.  

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Report | Seeking Safer Packaging and As You Sow | Consumer Protection

Seeking Safer Packaging: Ranking Packaged Food Companies on BPA

Bisphenol A (BPA) is a chemical used in the epoxy lining of canned foods and beverages and in polycarbonate, a hard, clear plastic. The chemical mimics estrogen in the body and researchers have found links between BPA and numerous health problems including heart disease, diabetes, cancer and metabolic disorders.

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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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Blog Post | Consumer Protection

U.S. House Considers Delay To Financial Protections for Servicemembers, Veterans | Ed Mierzwinski

(UPDATED 30 April): Last year the Department of Defense proposed needed improvements to the 2007 Military Lending Act, since high-cost lenders were exploiting loopholes to evade the law's 36% APR cap on loans to servicemembers to make loans at 400% APR or more, harming military families and threatening unit preparedness to defend the nation. Now, days before a committee vote, predatory lenders have succeeded in convincing House Armed Services Committee leaders to insert language into the National Defense Authorization Act that would delay the DoD regulations up to a year while needless, redundant studies are prepared. Only in Washington.

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Blog Post | Consumer Protection

CFPB Begins Payday Regulation Push In Richmond | Ed Mierzwinski

We joined the CFPB in Richmond Thursday for a field hearing on a proposed rule to regulate payday lending and similar high-cost short-term loans. The CFPB's draft rule is comprehensive, covering a variety of loans, but it contains potential loopholes that we and other advocates will urge the bureau to close before it finalizes this important effort. Here's a short blog with some photos from Richmond.

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Blog Post | Public Health

Some Good, Some Bad in Obama Administration Plan to Protect Antibiotics | Sujatha Jahagirdar

Today, the National Task Force for Combatting Resistant Bacteria released a five-year action plan to tackle the growing problem of antibiotic resistance.  While the plan will take several important steps necessary to control the spread of antibiotic-resistant bacteria, it will miss the opportunity to call for critical reforms in the agricultural sector that are essential to protect public health.

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Blog Post | Consumer Protection

CFPB Adds Consumer Stories to Public Complaint Database | Ed Mierzwinski

Today, the CFPB took a step to make its excellent public database of consumer complaints even better, by adding complaint narratives (stories), but only with the consumer's consent. It's a step we've long urged. It will enrich our research into the marketplace, help consumers make choices and help good-actor firms avoid bad practices by others.

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DEFEND THE CFPB

Tell your representative to oppose the “Financial CHOICE Act,” which would gut Wall Street reforms and destroy the Consumer Financial Protection Bureau as we know it.

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