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 THE PUBLIC

WISPIRG’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, WISPIRG’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, WISPIRG 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 | U.S. PIRG | Consumer Protection

The Department of Labor Fiduciary Rule for Investment Advice

U.S. PIRG federal legislative director Jerry Slominski on The Release of the Department of Labor Fiduciary Rule for Investment Advice

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Blog Post | Consumer Protection

What is payday lending? | Kathryn Lee

We are a leading member of Americans for Financial Reform, a coalition that was instrumental in the creation of the Consumer Financial Protection Bureau (CFPB) by Congress in 2010. The CFPB is currently working on a rule to reign in the payday lending industry. We, along with AFR, are working to make sure the rule is a strong one. 

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Blog Post | Consumer Protection

Lowering your APR might be easier than you think | Kathryn Lee

Many Americans are walking around with a balance on their credit card because of high interest rates, or annual percentage rate (APR) charges for unpaid balances. It's best to pay off your balance in full but if you don't or can't, a higher APR makes your debit grow faster. What most people don’t realize is this APR can be negotiated to a lower rate.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

More Than 100 Groups Insist on No Riders in Spending Legislation

The day before the White House is expected to release its fiscal year 2017 budget proposal, a coalition of more than 100 groups, including U.S. PIRG, sent a letter calling on President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains ideological policy riders.

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Blog Post | Consumer Protection, Financial Reform

100+ Groups Oppose Provisions That Threaten Public Protections | Mike Litt

The White House is expected to release its fiscal year 2017 budget proposal tomorrow. U.S. PIRG and various state PIRGs joined a coalition of more than 100 groups that sent the following letter calling on President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains ideological policy riders. 

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News Release | WISPIRG | Consumer Protection

Survey Finds Astronomical Rent-to-Own Prices, Interest Rates

A new report found that five rent-to-own stores in Rockford, IL on average charged an annual percentage rate of 221% and displayed outright cash purchase prices as much as two to seven times the cost of the same or similar products at other major retailers. The legislature is currently debating a controversial proposal in the executive budget proposal to provide a special exemption from the Wisconsin Consumer Act for the rent to own industry and which would eliminate the requirement to disclose an APR for Rent-to-Own products sold in Wisconsin.
 

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Scott Walker's rent-to-own budget provision brings strong reaction

Rent-to-own stores would be able to sell customers high-cost financing plans for televisions, appliances and other goods without disclosing their interest rates, under a provision in Gov. Scott Walker's proposed state budget. In addition to exempting the industry from state consumer protection laws, the measure would cap how much wronged customers could get if they sued rent-to-own stores. The stores typically sell products under plans that cost buyers two or three times prices they would pay elsewhere, according to a report by the Wisconsin Public Interest Research Group.
 

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News Release | WISPIRG | Consumer Protection

Statement of WISPIRG Director Bruce Speight Regarding Rent-to-own Provisions in State Budget

Carving out a special interest exemption for a predatory industry that traps consumers, especially low-income consumers, in a cycle of high-cost, perpetual debt is not good for Wisconsin’s economy and it’s not good for Wisconsin consumers.  Unfortunately, the executive budget proposal does exactly that for the rent-to-own industry.
 

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News Release | WISPIRG | Consumer Protection

Coalition Calls on State Leaders to Remove Rent-to-Own Industry Exemptions from State Budget Bill

A broad coalition of consumer, faith-based, aging, family, and public interest organizations is urging state lawmakers to remove language in Governor Walker’s budget proposal that exempts the rent-to-own industry from Wisconsin’s consumer protection laws. 
 

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News Release | WISPIRG Foundation | Consumer Protection

Survey Finds Dangerous Toys on Store Shelves

Dangerous or toxic toys can still be found on America’s store shelves, according to Wisconsin Public Interest Research Group’s [www.wispirg.org] 27th annual Trouble in Toyland report.

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Blog Post | Consumer Protection

IRS Admits Data Breach Worse Than Thought, Will Congress Do Wrong Thing Anyway? | Ed Mierzwinski

This week, the IRS has admitted that thieves accessed the personal information -- enough to allow them to take your tax refund -- of an additional 220,000 taxpayers, on top of the 114,000 reported in May. Meanwhile, we remain  concerned that Congress will use continued publicity about the Target breach and other breaches as an excuse to pass dangerous data security legislation. Dangerous? Yes, because it would only protect against limited financial identity theft harms, but eliminate stronger state protections against the harms posed by the IRS breach, the health insurance breaches and the OPM breach.

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Blog Post | Consumer Protection

President Issues Privacy Platform | Ed Mierzwinski

Today the President announced support for a variety of privacy protections, most of which are laudable. However, it remains our view that Congressional consideration of a "uniform national breach notification standard" is unnecessary and, worse, will give powerful special interests an opportunity to use the proposal as a Trojan Horse to enact sweeping preemptive limits on state privacy protections.

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Blog Post | Consumer Protection

On Veterans Day, How The CFPB Helps Veterans, and All of Us | Ed Mierzwinski

Columnist George Will recently (and not for the first time) urged Congress to “abolish the Consumer Financial Protection Bureau.” His reasons may seem to come from his conservative philosophy, but merely pander to the powerful Wall Street interests that left our economy in ruins just a few years ago. As a counterbalance, let’s discuss some recent speeches and statements by CFPB Director Richard Cordray on his vision for the bureau and some of its current work, including – on this Veteran’s Day – its efforts to protect military families from financial predators.

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Blog Post | Consumer Protection

The CFPB at Three: A Child Prodigy | Ed Mierzwinski

The Consumer Financial Protection Bureau (CFPB) turned just three years old Monday, July 21st, but when you look at its massive and compelling body of work, you must wonder: Are watchdog years like plain old dog years? Is the CFPB now a full-sized, 21-year-old adult? The answer is no, not yet. The CFPB is still growing and developing and adding programs and projects. The CFPB is, however, at three years old, certainly a child prodigy. Despite overwhelming public support, however, powerful special interests continue to attack it. Yet, the idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

For its own first birthday, CFPB sends gifts to consumers | Ed Mierzwinski

Today, Saturday, July 21, the Consumer Financial Protection Bureau turns one year old. The CFPB already has achieved a record of significant accomplishments in its first year to protect veterans, students, seniors, military families and all consumers.

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Tell the Consumer Financial Protection Bureau to issue a strong final rule to protect consumers from payday lenders.

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