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Blog Post | Consumer Protection

Wall Street Ramps Up Attacks on Wall Street Reform | Ed Mierzwinski

On Friday, the House overwhelmingly approved a Wall Street-driven proposal to weaken oversight of private equity firms, taking a chunk out of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. But wait, there's so much more: On Tuesday the House Financial Services Committee takes up the so-called "Financial Choice Act," which eviscerates most of Dodd-Frank's key reforms, from stripping powers of the Financial Stability Oversight Council to repealing the Volcker Rule, which reins in risky betting practices that use depositors' money. As for the CFPB (which just this week issued its biggest fine to date, $100 million against Wells Fargo Bank for opening hundreds of thousands of fake and secret consumer accounts to meet sales goals), the proposal would defund and defang it and delay or stop its efforts to rein in unfair practices of payday lenders, debt collectors and banks. Many of the Financial Choice Act's provisions also pose threats as budget bill "riders."

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News Release | Maryland PIRG Foundation and U.S. PIRG Education Fund | Consumer Protection

Report: Analysis of Payday Complaints Reveals Need for Stronger Federal Protections

Baltimore - Consumer complaints about payday loans to the Consumer Financial Protection Bureau (CFPB) show a critical need for strengthening the agency’s proposed rule to rein in payday loans and other high-cost lending, according to a report released today by the Maryland PIRG Foundation.

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Report | Maryland PIRG Foundation | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

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Blog Post | Public Health

Public Health Internships: Apply Now!

 

Are you motivated to make a change in the world - starting with your own community? Do you want to gain hands-on experience working in the public health field? Apply now!

We are currently accepting applications for the unpaid Fall and Spring Public Health Internship position!

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Blog Post | Consumer Protection

Good news! CFPB Adding Consumer Ratings of Company Responses to Complaint Database | Ed Mierzwinski

The CFPB is making a good public consumer complaint database better. In 2015, the CFPB added optional consumer narratives, or stories, to its public consumer complaint database, giving other consumers, researchers and even other firms a new way to help study complaint patterns. Now, it will give consumers a chance to “rate the company’s handling of his or her complaint on a one-to-five scale and provide a narrative description in support of the rating.”

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News Release | Maryland PIRG Foundation | Public Health

MARYLAND PIRG DELIVERS 135,000 PETITIONS TO WALGREENS – CALLS ON RETAILER TO PHASE OUT TOXIC CHEMICALS THAT TRIGGER ASTHMA

Baltimore, MD – Today Maryland health and environmental advocates delivered thousands of petitions from Maryland customers calling on Walgreen’s to adopt a comprehensive policy to phase out toxic chemicals in products. In total the group delivered 135,000 petitions to Walgreen’s from their customers across the country.

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News Release | Maryland PIRG Foundation | Democracy

Congressmen Sarbanes, Van Hollen join Maryland PIRG and students at roundtable discussion on solutions to big money in elections

Maryland PIRG, joined today by Congressman Chris Van Hollen (MD8) Congressman John Sarbanes (MD3), former Montgomery County Councilman Phil Andrews, University of Maryland Government and Politics professor Michael Spivey, and U.S. PIRG Democracy Campaign Director Dan Smith and a crowd of students gathered at the University of Maryland to participate in a roundtable discussion about the problem of big money in politics, the available solutions, and what we can do here in Maryland to fix it.

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News Release | Maryland PIRG | Democracy

MaryPIRG Discussion on Money in Politics with Rep. Chris Van Hollen (MD8) and Rep. John Sarbanes (MD3)

UMD MaryPIRG will host a panel discussion on money in politics and small donor campaign financing. The event will kick off with a panel and discussion followed by a screening of John Ennis’ film, Pay 2 Play, which looks into the effects of dark money influence on American politics.

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News Release | Maryland PIRG Foundation | Tax

Maryland Receives "B+" in Annual Report on Transparency of Government Spending

Maryland received a “B+” when it comes to government spending transparency, according to “Following the Money 2015: How the 50 States Rate in Providing Online Access to Government Spending Data,” the sixth annual report of its kind by the Maryland Public Interest Research Group Foundation.

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Media Hit | Financial Reform

Credit Bureaus’ Deal to Improve Accuracy ‘Huge’ for Consumers

(Bloomberg) -- Buying homes, getting jobs and borrowing money will be easier after an agreement by the three biggest U.S. consumer credit reporting services with New York.[...] “It’s a sea change in the way the credit bureaus treat complaints,” said [U.S. PIRG's Ed] Mierzwinski. “The credit bureaus have been run by computers for years now. They’re going to have to hire more people and actually verify that what a creditor said is true.”

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Report | Maryland PIRG | Consumer Protection

New Study: Chemical Insecurity

Across the United States, thousands of industrial facilities use and store hazardous chemicals in large quantities that pose major risks to their neighbors.  More than 100 of these facilities would each put at least one million people at risk of injury or death in the event of a chemical release.

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Report | Health Care

Delivering on the Promise

The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers, businesses, and local and state governments, as well as how insurers and providers operate.But whether Americans experience improved care, lower costs and greater access depends largely on what happens next.

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Report | Maryland PIRG Foundation | Transportation

Road Work Ahead

Over the last 50 years, America has built roads and bridges at a pace and scale that dwarfs most of the rest of the world. Now, much of that system is showing its age – and as maintenance needs continue to grow, we are falling farther behind.

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Report | Budget, Tax

Tax Shell Game (2010)

The IRS estimates that individuals and corporations currently hold $5 trillion in tax haven countries and asserts that the United States is responsible for a large portion of these assets.

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Report | Safe Energy

Utility Work Ahead

This report provides the first-ever analysis of how well Maryland's utilities are meeting the energy savings goals of EmPOWER Maryland.

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Blog Post | Financial Reform

Debating trade and consumer protection in Brussels today | Ed Mierzwinski

I am in Brussels today debating consumer protection and the proposed US-European trade treaty known as the TransAtlantic Trade and Investment Partnership or TTIP. Today's public event, and a second public meeting tomorrow (Wednesday with live webstream 9am-noon DC time) comparing the CFPB to its European counterparts, are sponsored by the PIRG-backed TransAtlantic Consumer Dialogue.

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Blog Post | Consumer Protection, Make VW Pay

House Tees Up VW Bailout and Other Attacks on Public Protections, Consumer Rights | Ed Mierzwinski

(Updated 8 January to add vote results): You've probably heard that the House is soon planning to again repeal the Affordable Care Act (Obamacare). That bill will certainly be vetoed. But the House has other anti-consumer, anti-environmental bills scheduled for floor action this week and next. The bills take aim at agency health, financial and safety regulations and also consumer rights to band together as a class to take their grievances against corporate wrongdoers to court. That last bill would immunize Volkswagen from having to compensate VW Diesel owners for being deceptively sold cars designed to "defeat" air pollution requirements.

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Blog Post | Public Health

Is your daily routine toxic? | Anna Low-Beer

Because of a lack of regulation, many cosmetics and personal care products contain potentially toxic ingredients, like formaldehyde and lead acetate. What toxic chemicals might you encounter as you go about your daily routine? 

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Blog Post | Public Health, Food

Progress in 2015 and hope for the new year | Anya Vanecek

This was a big year for the fight to save antibiotics. Now we’re looking to the future and looking forward to continuing our efforts to stop the overuse of antibiotics in factory farming.

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Blog Post | Public Health, Food

All I want for Christmas is responsibly-raised meat. | Anya Vanecek

I don't want a lot for Christmas, there is just one thing I need...

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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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