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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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Blog Post | Transportation

A World Without Carbon Pollution – Closer Than You Might Think | John Olivieri

For many, a world without carbon pollution seems like a distant utopia. To some, this even seems unobtainable. The size and scope of the challenge before us can be daunting, yet, there is good news -- a world without carbon pollution is closer than you think.

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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Transportation

Why Is Our Infrastructure So Terrible? | Sean Doyle

America is facing a $1.4 trillion infrastructure funding crisis. This isn't some distant problem; it's already having a real effect on everyday Americans.

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Blog Post | Transportation

Good Things Come to Those On Bikes | Sean Doyle

Pull the bike out of the closet, pump up those tires, and dust off the helmet because it's Bike to Work Week!

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News Release | MoPIRG | Financial Reform

New Post-Mortgage-Crisis Rules Will Protect Homebuyers and Homeowners

On Friday, January 10, new Consumer Financial Protection Bureau (CFPB) rules will go into effect that will help protect homeowners and homebuyers from the mortgage abuses that led to the housing crisis.

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News Release | MoPIRG Foundation | Transportation

Report Shows St. Louis and Kansas City Driving Less, Using Alternatives More

A first-of-its-kind report by MoPIRG Foundation shows reduced rates of car commuting in Missouri’s urbanized areas—including the Saint Louis and Kansas City —and increased use of alternative transportation.

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News Release | MoPIRG Foundation | Consumer Protection

Toys with lead, toxic chemicals, choking hazards found on store shelves

Dangerous or toxic toys can still be found on America’s store shelves, according to Missouri Public Interest Research Group’s 28th annual Trouble in Toyland report.  The survey of hazardous toys found that despite recent progress, consumers must still be wary when shopping this holiday season.

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Credit bureau complaints bring relief for 30 percent

The Missouri Public Interest Research Group Foundation studied the 10,000 complaints filed against credit bureaus since the federal Consumer Financial Protection Bureau began collecting them in October of 2012.

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News Release | MoPIRG Foundation | Consumer Protection

Report: In Missouri, Experian Gets Big Complaints

A new report by MoPIRG Foundation found that the most complained-about credit reporting agency in Missouri is Experian, and that Missouri ranks #30 nationally in credit report complaints per 100,000 residents.

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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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Report | U.S. PIRG | Tax

Tax Shell Game: The Taxpayer Cost of Offshore Corporate Havens

Many of the largest corporations in our country hide profits made in the United States in offshore shell companies and sham headquarters in order to avoid paying billions in federal taxes. The result is massive losses in revenue for the U.S. Treasury – which ultimately must be made up by taxpayers.  

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Report | U.S. PIRG | Transportation

Private Roads Public Costs: The Facts About Toll Road Privatization and How to Protect the Public

A growing number of states are considering arrangements in which a private operator provides an up-front payoff or builds a new road in return for decades of escalating toll receipts. The report assesses these deals and identifies a number of problems.

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Report | U.S. PIRG | Safe Energy

The High Cost of Nuclear Power: Why America Should Choose a Clean Energy Future Over New Nuclear Reactors

Nuclear power is among the most costly approaches to solving America’s energy problems. Per dollar of investment, clean energy solutions – such as energy efficiency and renewable resources – deliver far more energy than nuclear power.

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Report | U.S. PIRG | Consumer Protection

Trouble In Toyland: The 23rd Annual Survey of Toy Safety

The 2008 "Trouble in Toyland" report is the 23rd 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. We visited numerous toy stores and other retailers to find potentially dangerous toys and identify trends in toy safety. This year, we focused specifically on toys that contain lead and phthalates in our research.

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Blog Post | Financial Reform

The More I Hear About OPM Data Breach, The Less I Know, Except This: It's Bad | Ed Mierzwinski

Was it 4 million, 14 million or 18 million records breached (how many times) (likely) by Chinese hackers? Whose fault was it? The USOPM director says no one's. Really? Perhaps the worst data breach ever raises lots of questions, but I haven't heard any good answers. Federal employees, their families, their friends and their neighbors -- because all of them could be victims -- deserve better answers, just as they deserve better service than USOPM's credit monitoring provider is giving them.

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Blog Post | Consumer Protection

Hill Threats to CFPB Escalate As CFPB Protects Consumers, Servicemembers | Ed Mierzwinski

Today, the House Appropriations Committee, at the behest of both Wall Street and predatory lenders seeking to run amok, will vote to eliminate the CFPB's independence from the politicized appropriations process. Meanwhile, over at the CFPB, important work to protect consumers, including servicemembers, from unfair and predatory financial practices continues.

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Blog Post | Consumer Protection

Data Breach Here, Data Breach There, Data Breach Everywhere! | Ed Mierzwinski

UPDATED 10 June Re DHS Breach: If you shop with plastic, have health insurance, pay taxes, work for the federal government, or (fill in blank) you’re at risk of a data breach. And with so much information about you already available on the Internet, it’s best not to select easy-search security questions like “Where were you born?” or answers like “Pizza.” What’s your best defense against identity theft? No, it isn’t credit monitoring, it’s a security freeze.

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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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