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News Release | U.S. PIRG Education Fund | Public Health

Asbestos Found in Claire’s Kids Makeup

Makeup sold by Claire's, a preteen retail store, contains asbestos. U.S PIRG Education Fund found that makeup sold across the country is contaminated with asbestos, which causes cancer. Parents and consumers need to know about these asbestos-laden makeup products.

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News Release | U.S. PIRG | Financial Reform

Bank Deregulation Bill's Free Credit Freeze Section Tweaked, But Still Preempts Better State Laws

Here's our statement on modest changes to the free credit freeze provision of S2155, the massive bank regulation deregulation package on the Senate floor. The changes aren't good enough because the states would still be preempted from better protecting their consumers and some existing state laws would be rolled back.

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News Release | U.S. PIRG | Financial Reform

Three Bills in Congress this Week Would Let Equifax Off the Hook

Remember Equifax? It's one of the nation's Big 3 credit bureaus. It's based in Atlanta. Still not sure? Oh, maybe you'll remember this: Equifax finally admitted in September that months earlier it had lost 145 million consumer records, including Social Security Numbers, to hackers. Here's our latest release explaining that instead of holding Equifax accountable, this week Congress is busy trying to help Equifax.

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Blog Post | Financial Reform

What You Haven’t Heard About that Bad Banking Bill; It Preempts State Identity Theft Reforms | Mike Litt

We're opposing S2155 on the Senate floor this week. The main message against in the media has been that it puts mortgage borrowers at risk of bad loans and racial discrimination. Worse, it puts our economy at risk by removing important bank regulator tools to rein in risky practices by giant and big banks. For that matter, it could even allow risky practices to migrate to community banks. But there's more. The bill's so-called consumer protection provisions intended to offset its rollbacks, including its free credit freeze, aren't that good and preempt stronger state actions.

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Blog Post | Financial Reform

Credit Bureaus Let Wrongdoers Run Amok, Disrupt Mortgage-Seekers | Ed Mierzwinski

In the run-up to the 2006-2007 mortgage bubble that led to the total collapse of our financial system in 2008, the Big 3 credit bureaus sold products known as "trigger lists" that aided sketchy mortgage companies in disrupting consumer transactions. The lists were "credited" with making a bad situation worse. Guess what? Longtime syndicated housing columnist Ken Harney warns: "they're back."

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News Release | U.S. PIRG | Financial Reform

Joint Statement: Transfer of CFPB Consumer Response Unit Offers No Clear Benefit

This week, OMB Director Mick Mulvaney, now also acting director of the Consumer Financial Protection Bureau, made several concerning "administrative changes," including to move the Consumer Response Office, responsible for handling consumer complaints and managing the Bureau's public consumer complaint database, which U.S. PIRG has relied on for 11 (so far) analytic studies of the consumer financial marketplace. We issued the following joint statement, along with Americans for Financial Reform and Consumer Action.

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News Release | U.S.PIRG | Financial Reform

Statement on Equifax’s Lock & Alert Product Announcement

Our statement on the today's launch by Equifax of Lock & Alert, a service that will let consumers lock and unlock their Equifax credit reports indefinitely for free to stop new account identity theft. This service, similar to state mandated credit freezes, only blocks access to Equifax credit reports, not credit reports at the other two bureaus, Experian and TransUnion. U.S. PIRG's advice: Blocking access to your credit reports at all three national credit bureaus remains the best action consumers can take after the Equifax breach, whether they were affected by it or not. 

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News Release | U.S. PIRG | Financial Reform

Statement of U.S. PIRG On Court Ruling Upholding Constitutionality of CFPB Leadership Structure

Here is our statement on today's decision by the full D.C. Circuit, U.S. Court of Appeals, upholding the constitutionality of the Consumer Bureau's single-director structure. We had filed an amicus (friend-of-the-court) brief in support of that position. The decision is a big victory for consumers.

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News Release | U.S. PIRG | Financial Reform

Statement by Mike Litt, Consumer Campaign Director at U.S. PIRG on Extended Deadline for Free Equifax Credit Freeze

Equifax has changed the date for its offers after its outrageous data breach-- they lost information for 145 million consumers.Read more. We have not changed our own advice.

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News Release | U.S. PIRG | Financial Reform

U.S. PIRG Urges Consumers to Get Free Credit Freeze by January 31st Deadline

Ahead of three changes to what Equifax is offering consumers following its breach of 145 million consumer records, U.S. PIRG is urging consumers to get free credit freezes with Equifax by January 31st if they haven’t already.

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Challenging Predatory Lending

To protect vulnerable consumers, NMPIRG has joined with AARP, the Department of Defense and Navajo chapters to fight predatory lending. There are four payday lenders for every one McDonald’s in New Mexico.  

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Report | NMPIRG Education Fund | 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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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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Report | NMPIRG Education Fund and the Frontier Group | Tax

Following the Money 2016

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Report | NMPIRG Education Fund | Transportation

Highway Boondoggles 2

Twelve proposed highway projects across the country – slated to cost at least $24 billion – exemplify the need for a fresh approach to transportation spending.

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Report | NM PIRG Education Fund | Consumer Protection

Trouble in Toyland 2015

For 30 years, NM PIRG Education Fund has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

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Blog Post | Financial Reform

Senator: Consumers Should Have More Control Over Credit Reports. We Agree. | Ed Mierzwinski

Throughout the anger and frustration over the Equifax breach debacle, consumers, reporters and legislators have repeatedly asked me: "Ed, why don't consumers, not credit bureaus, control when their credit reports can be shared or sold?" Now comes U.S. Senator Jack Reed (RI) with a PIRG-backed bill to do just that! 

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Blog Post | Financial Reform

Have Banker Deregulation Demands Jumped the Shark? | Ed Mierzwinski

When a tired TV show desperate for viewers goes over the top with wacky plots, it is said to have "jumped the shark." Unfortunately, even after the Wells Fargo debacle and even as bank profits return to record levels, the "viewers" of bank deregulation demands -- members of Congress -- still have an unslaked appetite for over-the-top, outrageous proposals to take consumer and financial system safety cops off the bank beat. Meanwhile, the public -- by wide, non-partisan margins, wants to keep the cops on the beat.

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Blog Post | Financial Reform

The End for "Rent-A-Tribe" Payday Lending Schemes? | Ed Mierzwinski

This month, Scott Tucker, a payday lender who used his proceeds to fund a LeMans racing team, was sentenced to 16 years in jail on federal racketeering and other charges.   Last fall, his former business partner Charles Hallinan, known as the Philadelphia Main Line "godfather" of payday lending, was also convicted of federal racketeering charges. Tucker and Hallinan's main business model? Their claim that their payday loan enterprises were for the benefit of Native American tribal partners and therefore subject to tribal immunity. The authoritative public interest law firm Public Justice speculates: "Tribal Immunity" may no longer be a Get-Out-of-Jail Free Card for payday lenders." It's about time.

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Blog Post | Financial Reform

Consumer Bureau Threatened By President's Assertion He Can Select Temporary Director | Ed Mierzwinski

With the departure yesterday of director Richard Cordray from the Consumer Financial Protection Bureau, we don't doubt that the President has the authority to nominate a new director of the Bureau. But the President's assertion later that day that he can and would appoint his own temporary or acting director -- at odds with the plain language of two laws --  places the bureau's leadership in crisis.

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Blog Post | Financial Reform

We Warn Congress: After Equifax, Firms Will Step Up Trojan Horse Efforts to Eliminate State Privacy Laws | Ed Mierzwinski

Like clockwork, after any big data breach is disclosed, powerful special interests seek to turn the problem into a bigger problem for consumers by  using it as an opportunity to enact some narrow federal legislation that broadly eliminates state data breach notice, state data security and other privacy protections.  I testified yesterday in the House warning of their Trojan Horse efforts, which not only take away existing laws, but deny any new laws, even on new problems identified. 

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