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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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Blog Post | Public Health

Flint Pediatrician Gave a Voice to the Voiceless in Flint, Michigan | Anna Low-Beer

Dr. Mona Hanna-Attisha is the Flint pediatrician who led the charge in proving that Flint water was tainted by lead and was poisoning the community. Without her drive and dedication to the children of Flint, it is hard to say how long government officials might have left the public in the dark about the mounting crisis. In honor of Women’s History Month we’re recognizing Dr. Hanna-Attisha -- a doctor, mother, and activist -- who has relentlessly fought for the public interest. 

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Blog Post | Financial Reform

We oppose latest effort to weaken CFPB, other bank regulators | Ed Mierzwinski

Today, the House Financial Services Committee holds its latest cattle-call markup of a package of industry-backed bills designed to weaken consumer, taxpayer, depositor and investor protections. We've signed a letter opposing the so-called TAILOR (Taking Account of Institutions with Low Operation Risk) Act, which piles redundant requirements onto the Consumer Financial Protection Bureau and other regulators to do what they already do by existing law--treat small banks and credit unions differently than mega-banks. Also, the PIRG-backed Americans for Financial Reform sent up a letter opposing the TAILOR Act and 6 more of the 10 bills on the agenda because they are designed to weaken consumer, taxpayer, depositor and investor protections.

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News Release | OSPIRG Foundation | Consumer Protection

Report: Wells Fargo Tops Consumer Complaint List

Thousands of Americans are using the Consumer Financial Protection Bureau’s public Consumer Complaints Database to settle disputes with their banks, according to a new report from the OSPIRG Foundation. The report highlights banks that generated the most complaints through their various banking services in each state.

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News Release | OSPIRG Foundation | Transportation

New Report Shows Oregonians Are Driving Less

Oregonians have cut their per-person driving miles by 11.05 percent since 2005, while the nation’s long term driving boom appears to have ended, according to a new report from the OSPIRG Foundation. Oregon’s decline is driving is well ahead of the national average of 6.87 percent.

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News Release | OSPIRG

New Study: 82 of Top 100 Companies Used Tax Havens in 2012

Of the top 100 publicly traded companies, as measured by revenue, 82 maintain subsidiaries in offshore tax havens. Collectively, the companies report holding nearly $1.2 trillion offshore, with 15 companies accounting for two-thirds of the offshore cash.

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News Release | OSPIRG Foundation | Health Care

Over $69 Million in Waste Cut from 2014 Health Insurance Premiums

Close scrutiny of proposed health insurance premiums for 2014 has cut over $69 million in waste and unjustified costs from premiums for Oregon consumers and small businesses, according to a new OSPIRG Foundation report released today. The new cuts come after OSPIRG Foundation’s analysis questioned the justifications of five major rate proposals. Taken together with cuts made since new standards were implemented, state officials have required insurers to cut $155 million in waste since 2010.

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Media Hit | Health Care

Hooray! Few Oregonians receive health insurance rebates

As health insurance companies spread $500 million in rebates to families around the U.S. this summer, Oregonians won’t represent a huge chunk of the recipients. That’s a good thing, argues Jesse Ellis O’Brien, health care advocate at the Oregon State Public Interest Research Group (OSPIRG).

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Report | OSPIRG Foundation | Transportation

Transportation and the New Generation

Federal and local governments have historically made massive investments in new highway capacity on the assumption that driving will continue to increase at a rapid and steady pace. The changing transportation preferences of young people—and Americans overall—throw those assumptions into doubt. The time has come for transportation policy to reflect the needs and desires of today’s Americans—not the worn-out conventional wisdom from days gone by.

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Report | OSPIRG Foundation | Health Care

Comments on PacificSource's Small Business Rate Hike Proposal

PacificSource is proposing to increase rates 5.56% on average, affecting 35,224 Oregonians enrolled in small business plans. If approved, this rate increase will have wide ranging impacts. Most enrollees will see increases of between 6% and 10%. Some will see increases of up to 11.2%. Over 27% will see increases of between 8% and 14%.

 

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Report | OSPIRG Foundation | Budget

Following the Money 2012

This report is OSPIRG Foundation’s third annual ranking of states’ progress toward “Transparency 2.0” – a new standard of comprehensive, one-stop, one-click budget accountability and accessibility. The past year has seen continued progress, with new states providing online access to government spending information and several states pioneering new tools to further expand citizens’ access to spending information and engagement with government.

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Report | OSPIRG Foundation | Budget, Tax

Revealing Tax Subsidies

Last year, Oregon took an important first step towards showing the public whether the hundreds of millions of tax dollars spent on corporate economic development tax subsidies are worth the money. House Bill 2825 went into effect at the close of 2011, requiring disclosure of twelve corporate tax subsidy programs estimated to cost taxpayers nearly $530 million in the 2011-2013 biennium.

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Report | OSPIRG Foundation | Democracy

Auctioning Democracy

The vast majority of Super PACs are funded by less than 1% of the 1%, according to a new report entitled “Auctioning Democracy.”

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Blog Post | Health Care

Competition and Transparency Bring Down Health Insurance Costs—Here’s the Proof | Jesse Ellis O'Brien

Something remarkable just happened to health insurance costs here in Oregon. Last week, after the state’s health insurers posted their proposed premium rates for next year, two insurers publicly reversed course and moved to cut their prices.

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Blog Post | Health Care

The Supreme Court and the High Cost of Rx Drugs | Jesse Ellis O'Brien

Everyone knows prescription drugs cost more than they should. But many people are surprised to learn about one of the key ways drug companies keep prices high: Paying off competitors to keep generics off the market.

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Blog Post | Financial Reform

Senators Hold CFPB Director Hostage, Roil Markets | Ed Mierzwinski

On Friday, most Senate Republicans again sent the President a letter saying they would not confirm Richard Cordray to a full term as CFPB director unless the agency's powers and independence were first gutted. Their intransigence contributes to market uncertainty that ignores at least three things: The CFPB is here to stay; the public wants the CFPB; and, banks lose to payday lenders if the director is not confirmed.

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Blog Post

Portlanders Can't Follow the Money

Portland got a D- for transparency in OSPIRG Foundation's latest report. So, what now?

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Blog Post | Democracy

Voters Rejected Big Money, Called for Reform

Voters in Oregon and across the country stood up against big money in November's elections and called for reform.

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DEFEND THE CFPB

Tell your representative 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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