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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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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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News Release | PIRGIM Education Fund | Democracy

Big Money and Secret Spending Distorting Democracy

A new analysis of pre-election data from the Federal Election Commission (FEC) and other sources by PIRGIM Education Fund and Demos shows that outside spending in the first presidential election since Citizens United is living up to its hype: new waves of “outside spending” have been fueled by dark money and unlimited fundraising from a small number of wealthy donors. Outside spending organizations reported $1.11 billion in spending to the FEC through the final reporting deadline in the 2012 cycle. That’s already a 200% increase over total 2008 outside spending.

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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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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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Report | U.S. PIRG Education Fund | Transportation

A Better Way to Go

America’s automobile-centered transportation system was a key component of the nation’s economic prosperity during the 20th century. But our transportation system is increasingly out of step with the challenges of the 21st century. Rising fuel prices, growing traffic congestion, and the need to address critical challenges such as global warming and America’s addiction to imported oil all point toward the need for a new transportation future.

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Report | U.S. PIRG Education Fund | Consumer Protection

The Campus Credit Card Trap

Credit card lending is enormously profitable. According to annual Federal Reserve Board of Governors’ (FRB) Reports to Congress, it is the most profitable form of banking. But the credit card industry is saturated.

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Report | U.S. PIRG | Tax

Forgiving Fraud and Failure

Companies with immediate past histories of shoddy work and fraudulent practices are being rewarded with billions of dollars in federal contracts.

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Report | U.S. PIRG Education Fund | Higher Ed

Student Debt and Consumer Costs in the Minneapolis-St. Paul Area

Higher education in America continues to be critical for both individual success and the economic and political health of our country. While college attendance has grown over the past two decades, state appropriations and federal aid have failed to keep pace with the rising cost of college. As a result, more students than ever must rely on student loans to pay for a four-year degree and start their post-collegiate lives with significant debt.

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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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Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

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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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Defend the CFPB

Tell your senators 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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