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News Release | U.S.PIRG | Consumer Protection

Strong National Payday Rule Could Save Consumers Billions

Today, the Consumer Financial Protection Bureau (CFPB) released its draft high cost small dollar lending (payday and auto title) loan rule for public comment. 

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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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Blog Post | Transportation

A World Without Carbon Pollution – Closer Than You Might Think | John Olivieri

For many, a world without carbon pollution seems like a distant utopia. To some, this even seems unobtainable. The size and scope of the challenge before us can be daunting, yet, there is good news -- a world without carbon pollution is closer than you think.

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Result | Health Care

Health Insurance Legislation Passed

In 2015, with OSPIRG’s strong support, the Oregon Legislature passed the state’s first comprehensive consumer protections in health insurance networks. Until now, Oregon law provided few protections to ensure that health plans offer a network that can provide covered services in a timely fashion. The new law requires insurers to provide accurate, actionable provider network information to consumers.

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Blog Post | Democracy

Happy Birthday, Bob Dylan: Three Democracy Lessons We Learned from an American IconOlivia LutwakVania Canales-Canales

As we celebrate Dylan's 75th birthday, here's what the music icon taught us about democracy.

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News Release | OSPIRG | Health Care

Kitzhaber Administration takes action on health care costs

At the direction of Gov. Kitzhaber, the Oregon Health Policy Board has adopted an OSPIRG-backed proposal to take steps toward cutting the waste out of our health care system, estimated to make up as much as 1/3 of every dollar we spend on care.

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News Release | OSPIRG Foundation | Transportation

Report Shows Portland Driving Less, Using Transit and Alternatives More

A first-of-its-kind report by OSPIRG Foundation shows reduced driving miles and rates of car commuting in Portland, and greater use of public transit and biking.

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News Release | OSPIRG Foundation | Consumer Protection

Report: In Oregon, Equifax Gets Big Complaints

A new report by OSPIRG Foundation found that the most complained-about credit reporting agency in Oregon is Equifax, and that Oregon ranks 18th nationally in credit report complaints per 100,000 residents.

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News Release | OSPIRG Foundation | Financial Reform

New Report Identifies Most Troublesome Private Lenders to Students

Thousands of student loan borrowers are using the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database to settle disputes about private student loans, according to a new report from OSPIRG Foundation.

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Media Hit | Democracy

"Without campaign donation limits, voters disenfranchised"

This summer, the Oregon Legislature passed a bipartisan resolution calling on Congress to pass a constitutional amendment to allow for limits on the money

raised and spent for political purposes, making Oregon the 16th state to pass such a measure. Despite the effort, the problem of money in politics could become

substantially worse depending on the outcome of an upcoming court case.

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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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Report | OSPIRG Foundation | Democracy, Tax

Representation without Taxation

Two years ago, the Supreme Court’s Citizens United vs. Federal Election Commission decision opened the floodgates to corporate influence in our political system by allowing corporations to pour money from their treasuries into the campaign coffers of political candidates. This report examines one area of policymaking where corporate money already had an enormous impact even before that decision: tax law. 

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Report | OSPIRG Foundation | Health Care

Comments on Regence Small Business Rate Hike Proposal

We are concerned that Regence BlueCross BlueShield (Regence) has not adequately justified its proposal for a rate increase impacting 47,806 Oregonians with coverage through a small business employer.

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Big Banks, Bigger Fees

Since Congress largely deregulated consumer deposit (checking and savings) accounts beginning in the early 1980s, the PIRGs have tracked bank deposit account fee changes and documented the banks’ long-term strategy to raise fees, invent new fees and make it harder to avoid fees. 

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Blog Post | Democracy

IRS Scandal Highlights Need for Increased Transparency in Campaign Financing

It’s up to the IRS to ensure that nonprofits are not being used as illicit vehicles to funnel untraceable money into our elections. However the agency’s handling of this responsibility has been thoroughly outrageous, the latest scandal being just the latest example of disturbing action—or, as has been more often the case, inaction. 

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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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Defend the CFPB

Tell your senators 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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