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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 | Consumer Protection, Safe Energy

Regional Opposition to Exelon’s Takeover of Pepco Is Strong

Maryland PIRG joined organization from DC, MD, and DE today to oppose the Exelon Pepco merger. Read Emily Scarr's statement.

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News Release | Maryland PIRG Foundation and Frontier Group | Transportation

New Report Ranks Baltimore 24th Among 70 Major American Cities For High-Tech Transportation Options

"The Innovative Transportation Index: The Cities Where New Technologies and Tools Can Reduce Your Need to Own a Car,” ranks Baltimore 24th amongst 70 major American cities in providing 11 different types of technology-enabled improvements including: carsharing, ridesharing, ridesourcing (like Uber and Lyft), taxi-hailing apps, bikesharing, and different forms of online and real time transit information and ticketing. 

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News Release | Maryland PIRG | Democracy

Maryland PIRG Applauds Reintroduction of Reform Legislation on the Fifth Anniversary of Citizens United

“On the fifth anniversary of the wrong-headed Citizens United decision, the need to get big money out of our elections couldn’t be greater. Maryland PIRG applauds the reintroduction of critical reform legislation by over a dozen leaders in Congress today, including the Democracy for All Amendment, introduced by Senator Tom Udall, and the Government by the People Act, introduced by Maryland Rep. John Sarbanes.

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News Release | Maryland PIRG and Demos | Democracy

Study Shows Big Donors Dominated Competitive 2014 Congressional Races

New stude finds that the top two vote-getters in the 25 most competitive districts in 2014 got 86 percent of their campaign dollars from individuals giving $200 or more. Only two of the 50 candidates surveyed raised less than 70 percent of their individual contributions from big donors, and seven relied on big donors for more than 95 percent of their individual contributions.

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News Release | Maryland PIRG Foundation | Transportation

Federal Highway Administration Quietly Acknowledges the Driving Boom is Over

The Federal Highway Administration (FHWA) has very quietly acknowledged that the Driving Boom is over, cutting its forecasted driving estimates by between 24 percent and 44 percent.

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Report | Maryland PIRG Foundation | 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.

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Report | Maryland PIRG Foundation | Public Health

Toxic Baby Furniture

To evaluate the potential dangers children face, Maryland PIRG Foundation purchased 21 products intended for use in a baby’s nursery and hired a professional laboratory to test them. Six of the products produced high levels of formaldehyde vapor. In particular, several brands of cribs and changing tables emit formaldehyde at levels linked with increased risk of developing allergies or asthma.

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Toxic Baby Furniture

Furnishings containing formaldehyde – a toxic chemical linked with allergies, asthma, and cancer – can contaminate indoor air within Maryland homes. Babies and young children are particularly vulnerable to harm.

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Report | Higher Ed

The Campus Credit 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. The average adult had nearly five credit cards in 2006 and the average household received 5.7 credit card solicitations monthly in 2004, according to the 2007 FRB report.

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A Better Way to Go

America’s automobile-centered transportation system was a key driver of the nation’s economic prosperity during the 20thst 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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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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Blog Post | Transportation

Millennials Want More Public Transportation | Sean Doyle

A new poll shows that access to public transportation is “very important” for Millennials in considering where to live and where to work.  The results support our research over the past few years that found Millennials are driving less than older generations and are more prone to walk, bike, or take transit to get where they need to go.

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Blog Post | Financial Reform

Privacy, We've Got Tips and Ideas For You, Congress and Regulators, Too | Ed Mierzwinski

Problems with privacy and data security are all over the news these days. We've got you covered, from releasing a new report and consumer tips on the security freeze today to testifying to Congress (last week) on payment card security and speaking on a panel at the FTC tomorrow on Internet lead generation (what's that?). Oh, and we're waiting for answers to our questions to the CFPB about the credit bureau Experian joining the ranks of the breached. We've been busy as we explain in this "roundup" blog entry.

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Blog Post | Transportation

How Deadly are Your State’s Roads? | Sean Doyle

A new report by Michael Sivak and Brandon Schoettle at the University of Michigan Transportation Research Institute shows which states have the safest and most dangerous roads.  Here's how the states rank and what we can do about it.

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Blog Post | Consumer Protection

As CFPB Advances Consumer Protection, Attacks on CFPB Escalate | Ed Mierzwinski

This week, the CFPB took a major step toward establishing a regulation restricting the use of forced arbitration clauses in consumer financial contracts, which give companies what the CFPB's director said was a "free pass from being held accountable by their customers." Meanwhile, on Capitol Hill, powerful bank interests escalated their campaign to defund and defang the bureau, because it works for consumers, not them.

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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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