Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

Maryland PIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 30 years, Maryland PIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, Maryland PIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

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 | 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.”

> Keep Reading
Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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Letter: Protecting the FTC from Special Interest Attacks

While much of our work has been in defense of the Consumer Financial Protection Bureau (CFPB), we also support the efforts of the over-100 year old Federal Trade Commission.

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Blog Post | Consumer Protection

Delayed CFPB/Other Wall Street Reform Rollbacks Happening Today On House Floor | Ed Mierzwinski

Last month the House canceled floor consideration of the Financial Services and General Government Appropriations bill. FSGG is back on the floor today and tomorrow. We urge support of amendments to protect the Consumer Financial Protection Bureau (CFPB) but, since they won't pass, we urge a no vote on the bill. Here's an updated excerpt from my previous blog.

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News Release | Maryland PIRG | Public Health, Consumer Protection

MEDIA ADVISORY: Toy Safety Press Conference

News conferences in Baltimore and Annapolis to release Maryland PIRG’s 28h annual Trouble in Toyland report and list of dangerous toys.  The report finds that despite improvements from recent product reforms, there are still dangerous toys on store shelves that pose a safety hazard.  Maryland PIRG will also publicize an online toy safety quiz parents and others can use to learn more about how to avoid dangerous toys this holiday season.

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Consumer Financial Protection Bureau is doing its job

Contrary to the claims in a Nov. 6 guest column, "Consumer protection bureau fails to protect," by Jeffrey H. Joseph, the CFPB is getting results for consumers and doing so in a transparent way. It's the first federal financial agency with just one job: protecting consumers, especially students, military families and senior citizens. A series of Maryland PIRG reports analyzing its public consumer complaint database shows that the bureau is "making markets work," just as Sen. Elizabeth Warren and other backers intended.

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News Release | Maryland PIRG Foundation | Consumer Protection, Safe Energy

EmPOWER Maryland Saves Ratepayers $140m Annually

EmPOWER Maryland, the energy efficiency program passed in 2008, is saving Maryland ratepayers $140 million on electricity costs every year, according to a new report by Maryland PIRG.

> Keep Reading
News Release | Maryland PIRG Foundation | Consumer Protection

New Report Identifies Most Troublesome Private Lenders to Students

Thousands of American students are using the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database to settle disputes about private student loans.

Sallie Mae, the student lending giant, generated the most private student loan complaints nationally, and ranked first or tied for first in every single state. Student loan borrowers in the U.S. carry $24,803 on average in total student loan debt.

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Blog Post | Public Health, Consumer Protection

Maryland PIRG 2013 Testimony: HB 99 | Jenny Levin

Tris (2-chloroethyl) phosphate, or TCEP, is a flame retardant found in polyurethane foam as well as in other products.

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Blog Post | Consumer Protection

Maryland PIRG 2013 General Assembly Session Priorities | Jenny Levin

Maryland PIRG is an advocate for the public interest. Our mission is to deliver persistent, results-oriented public interest activism that protects public health, respects consumers’ rights, encourages a fair, sustainable economy, and fosters a responsive, democratic government. There are hundreds of registered lobbyists in Annapolis all are looking out for one particular segment of the population or special interest; we are one of the few groups working in the Capitol whose job is to think about what’s good for EVERYONE.

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Blog Post | Consumer Protection

Trouble in Toyland | Laura Muth

It’s a holiday morning and kids all over the world are waking up to open their presents. Big smiles and laughter abound.  What could be wrong with this picture?

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Blog Post | Consumer Protection, Higher Ed

SUPREME COURT HEARS CASE ON TEXTBOOK PRICES WITH IMPLICATIONS FOR ALL SECONDARY MARKETS (AMAZON, EBAY) | Ed Mierzwinski

Yesterday, in one of the few government buildings open for business during Hurricane Sandy, the Supreme Court heard an important case,Kirtsaeng v. John Wiley & Sons, Inc, concerning whether publishers can restrict owners of books from reselling their used legally-purchased copies. 

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Blog Post | Consumer Protection, Health Care

Here’s that Rx refill you didn’t order | Jenny Levin

Is your pharmacy refilling your prescription without your knowledge or approval, and billing your insurance company for the cost?

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News Release | U.S. PIRG

Everyone should assume that their social security number has been exposed between this breach and breaches of other major companies’ databases, such as Equifax’s. With that in mind, U.S. PIRG recommends all Americans should use their right by law to freeze their credit reports for free

News Release | U.S. PIRG Education Fund

Our response to Equifax paying a $650 million penalty for exposing the social security numbers of 148 million Americans to identity theft.

Blog Post

Members of Congress hear repeatedly from lobbyists for corporate special interests in their offices and at fundraisers. How can consumer advocates balance the scales?

Blog Post

In most of the country, owning a car is all but required. And we're paying for it—to the tune of $1.2 trillion. This is putting the financial well-being of millions of Americans at risk, and Maryland PIRG and our national network are calling for change.

News Release | U.S. PIRG Education Fund

Fisher-Price recalled 4.7 million Rock n’Play baby sleepers on Friday. U.S. PIRG Consumer Watchdog Adam Garber issued a response: "“While we’re pleased that Fisher-Price is finally recalling these dangerous sleepers, 30 deaths in 10 years is 30 deaths too many and 10 years too late."

Consumer Protection | U.S. PIRG

Campus debit cards cost students over $24 million in fees

Report shows how campus debit cards — along with how they are marketed — are putting students' financial well-being at risk across the country.

 

Consumer Protection | U.S. PIRG

The real price of medications

The results of our investigation of variations in prescription drug prices may surprise you.

 

Consumer Protection | U.S. PIRG

Driving into debt

The hidden costs of risky auto loans to consumers and our communities

 

Consumer Protection

Congressional investigation concludes that Equifax breach was entirely preventable

The worst data breach in history could have been prevented with some basic security measures.

 
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