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

News Release | Maryland PIRG Foundation | Consumer Protection

How to Protect Consumers 1 Year After Equifax Breach

A year ago, Equifax announced that hackers had breached its system and accessed the data of nearly 150 million U.S. consumers.

> Keep Reading
Report | Maryland PIRG Foundation | Consumer Protection

EQUIFAX BREACH: ONE YEAR LATER

One year after publicly announcing the worst data breach in history, Equifax still hasn’t paid a price or provided the information and tools consumers need to adequately protect themselves.

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection, Health Care

Second recall of King Bio’s homeopathic drugs in the past month

King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients. 

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Blog Post | Consumer Protection

ID Theft & Privacy Checklists | Mike Litt

Today, we're releasing our revamped Identity Theft and Online Privacy resources.

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News Release | U.S. PIRG | Consumer Protection

Congress Affirms Need to Stop Debt Trap; Mick Mulvaney Should Follow Suit

Here is our statement on Congress allowing the deadline to pass without repealing the Consumer Financial Protection Bureau's payday lending rule.

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News Release | Maryland PIRG Foundation | Consumer Protection

EQUIFAX OFFERS INCOMPLETE PROTECTION AFTER BREACH: ADVOCATES SUGGEST WHAT ELSE CONSUMERS CAN DO

Consumers should know the risks and limits of what Equifax is offering and consider getting credit freezes with all three national credit bureaus instead.

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

Equifax Breach Puts Millions at Risk of New ID Theft

The Equifax breach affecting over 140 million Americans appears to be the largest of its kind and is beyond troubling. The types of stolen information, including social security numbers and dates of birth, can be used to commit new account identity theft against all of these people. Additionally, stolen credit cards affecting over 200,000 people in this breach can also be used to commit existing account identity theft. 

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Texas Chemical Explosions: More Safety Needed Now

Two small explosions last night at a Texas chemical facility highlight that comprehensive emergency regulations need to be enforced more strictly at chemical plants.

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Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

Maryland PIRG applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

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News Release | Maryland PIRG | Consumer Protection, Financial Reform

Maryland PIRG Statement On Passage of the Wrong Choice Act By U.S. House

What could possibly go wrong if Wall Street banks and predatory payday lenders are allowed to run amok again?

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Report | Maryland PIRG Foundation | Consumer Protection

TROUBLE IN TOYLAND

The enactment of the Consumer Product Safety Improvement Act (CPSIA) of 2008 made great strides in toy safety and strengthened the ability of the Consumer Product Safety Commission (CPSC) to protect consumers, including the littlest consumers—children. Although policymakers delayed implementation of its most stringent lead standard rules and enacted some narrow exceptions in 2011, on the whole the law has been protected from attempts to undermine it.

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Report | U.S. PIRG Education Fund, Maryland PIRG Foundation | Consumer Protection, Financial Reform

BIG BANKS, BIGGER FEES

Over the last six months, state PIRG staff conducted inquiries at 250 bank and 116 credit union branches in 17 states and the District of Columbia and reviewed bank fees online in these and 7 other states. This report, “Big Banks, Bigger Fees: A National Survey of Fees and Disclosure Compliance,” examines the following questions:

 How easy is it for consumers to shop around? Are banks complying with the Truth In Savings Act, which requires disclosure of a schedule of account fees to prospective customers?

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

TOTAL FOOD RECALL: UNSAFE FOODS PUTTING AMERICAN LIVES AT RISK

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 U.S. PIRG. 

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Report | Common Cause | Consumer Protection, Democracy

TOXIC SPENDING

Since passage of the Toxic Substances Control Act in 1976, the debate over disclosing and reducing the risks that certain chemicals pose to human health and the environment has been dominated by two important trends. First is the growing body of evidence that certain chemicals are harmful to human health, and the growing number of chemicals in daily use whose effects on human health have not been fully studied.

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Report | Maryland PIRG, WTC, Safer States | Consumer Protection

Hidden Hazards in the Nursery

Parents expect the products they buy for their babies to be safe. But new testing of 20 baby and children’s products, including bassinet pads, nursing pillows, changing pads, and car seats, has found toxic flame retardants in 85% of the items.

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Blog Post | Consumer Protection

Consumer Financial Protection Bureau: By the numbers | Kathryn Lee

The Consumer Financial Protection Bureau released a breakdown of their successes they’ve had in the short five-year period they’ve been established. We're very proud to have been a part of building it and defending it; we're also very proud of the many achievements the youthful CFPB has made to make the financial marketplace fairer for consumers.

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Blog Post | Consumer Protection

Will Wells Fargo CEO Tell Senate "No Clawbacks" of Exec's Golden Parachute? | Ed Mierzwinski

Wells Fargo CEO John Stumpf goes before the Senate Banking Committee Tuesday (9/20) to explain the recent $185 million in combined civil penalties by the CFPB and other regulators over a sales goals incentive scandal that led to employees opening some 2 million fake, secret accounts without the knowledge of customers. How will he respond to the growing public clamor for a clawback of bonuses paid his top retail executive Carrie Tolstedt, whose retirement with a $125 million golden parachute package had been announced earlier this summer? 

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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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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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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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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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