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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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Blog Post | Transportation

Don’t Believe the Hype – Millennials’ Transportation Habits Are Changing | Sean Doyle

Despite news stories claiming that Millennials are buying up cars at record rates, the reality is quite different. After adjusting previous studies to account for differences in the size of the generations measured, on a per-capita basis, Millennials are 29 percent less likely than members of Generation X to own a car.

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Blog Post | Consumer Protection

Our new "CFPB Can Help" video is live | Ed Mierzwinski

Please like and share our new video short (it's less than a minute) letting consumers know how the "CFPB can help." The CFPB, of course, is the Consumer Financial Protection Bureau, established as part of the Wall Street Reform and Consumer Protection Act of 2010.

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Blog Post | Transportation

All Americans Deserve Clean Air to Breathe, On Earth Day and Every Day | Sean Doyle

U.S. DOT asks if we should measure global warming pollution from transportation.

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay, Transportation

Framework for VW Settlement Announced

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on todays announced VW settlement. For more details on what a strong settlement agreement ought to look like, please see the open letter that we released earlier this week with other consumer and environmental groups.

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News Release | PIRGIM Education Fund | Consumer Protection

New Report: American Lives at Risk from Unsafe Foods

Despite government commitments to address the problem, food recalls are on the rise and our food safety systems are broken, according to a new report by PIRGIM and U.S. PIRG.  Contaminated food makes 48 million Americans sick every year and costs over $77 billion in aggregated economic costs.

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Media Hit | Democracy

Mlive.com: East Grand Rapids grad's super PAC: Good for Romney, bad for democracy?

 An East Grand Rapids native’s role in heading the country’s largest Super PAC was profiled Wednesday by The Detroit News... But Super PACs like Restore Our Future are drawing criticism for how they allegedly give rich people a bigger voice in election campaigns than the average Joe.

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News Release | PIRGIM | Budget, Food

Small Farmers and Citizens Speak Out Against Agricultural Subsidies in Farm Bill

Small farmers and ordinary citizens across Michigan and the United States are taking a stand against wasteful agricultural subsidies in the federal Farm Bill. With only a few weeks left before they adjourn for the election, reauthorizing or extending the Farm Bill is one of Congress’s top priorities.

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News Release | PIRGIM Education Fund | Budget, Food

Ag Subsidies Pay for 21 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, enough to pay for 21 Twinkies per taxpayer every year, according to PIRGIM’s new report, Apples to Twinkies 2012. Meanwhile, limited subsidies for fresh fruits and vegetables would buy one half of an apple per taxpayer.

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News Release | PIRGIM | Higher Ed

Responding to Students, Congress Extends Low College Loan Rate

Statement of Rich Williams, PIRGIM Higher Education Advocate, on the Congressional passage of bipartisan legislation to prevent subsidized Stafford student loan interest rates from doubling:

Congress listened to students and their families and delivered a bill that stops student loan interest rates from doubling. Students already face unprecedented student loan debt and adding an additional $1,000 more would not only crunch individual borrowers, but would have further weighed down the recovering economy. We applaud Congress for coming together to pass this much-needed legislation.

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Report | PIRGIM | Health Care

Michigan Small Businesses at Risk

America’s small businesses stand at the forefront of innovation.  Our entrepreneurs are the first to adopt new technologies and take new approaches in old industries.  As engines of job creation, small businesses are the leading edge that pushes our economy forward. They are also, unfortunately, on the front lines of the health care crisis.

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Report | U.S. PIRG Education Fund | Financial Reform

Failing the Bailout

Following the collapse of major financial institutions Congress enacted a sweeping $700 billion taxpayer-financed bailout of the financial sector. However, months into the program and billions of dollars later, no one knows how the money was spent and no one is convinced that it’s achieved any of the intended results.

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Report | MASSPIRG | Safe Energy

The High Cost of Nuclear Power

Renewable energy sources can produce far more electricity than nuclear plants for less money, according to a new MASSPIRG Education Fund report, “The High Cost of Nuclear Power: Why America Should Choose a Clean Energy Future,” released today.

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Report | PIRGIM Education Fund | Transportation

Economic Stimulus or Simply More Misguided Spending?

This fall, Congress asked states to submit lists of “ready-to-go” transportation infrastructure projects that could be funded by the stimulus package. Lists from nineteen state departments of transportation (DOTs) show that the broader goals articulated by President-elect Obama will be undermined if Congress, the Administration, and the states do not establish forward-looking rules for spending stimulus funds. 

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Report | U.S. PIRG | Transportation

Squandering the Stimulus

America’s dependence on oil has become increasingly painful. Two thirds of oil in the United States goes to transportation, with the largest share consumed by cars and trucks. As the rising price of gasoline makes driving more expensive, Americans have sought alternatives by driving a little less and riding public transportation more.

Unfortunately, government policy does too little to help Americans drive less. 

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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

IRS Admits Data Breach Worse Than Thought, Will Congress Do Wrong Thing Anyway? | Ed Mierzwinski

This week, the IRS has admitted that thieves accessed the personal information -- enough to allow them to take your tax refund -- of an additional 220,000 taxpayers, on top of the 114,000 reported in May. Meanwhile, we remain  concerned that Congress will use continued publicity about the Target breach and other breaches as an excuse to pass dangerous data security legislation. Dangerous? Yes, because it would only protect against limited financial identity theft harms, but eliminate stronger state protections against the harms posed by the IRS breach, the health insurance breaches and the OPM breach.

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Blog Post | Consumer Protection

House To Vote On Godzilla-Sized Rule Blocker, As Financial Committee Considers Smaller Rollbacks | Ed Mierzwinski

UPDATED: REINS Approved, near party line vote. Today, the House Financial Services Committee takes up a package of smaller rollback bills, many of which are opposed by Americans for Financial Reform and the PIRGs. Meanwhile, the House will bring up the Godzilla of all anti-health and safety bills, the REINS Act. Fortunately, the President has promised a veto.

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Blog Post | Consumer Protection

The CFPB is 4 years old and has a lot to show for it! | Ed Mierzwinski

Tuesday, July 21, marks four years to the day since the Consumer Financial Protection Bureau opened its doors to protect consumers and make financial markets work. We've summarized some of the ways CFPB works for you on a new web page.

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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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