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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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Blog Post | Consumer Protection

Our new "CFPB Can Help" video is live | Ed Mierzwinski

Please like and share our new video short (it's less than a minute) letting consumers know how the "CFPB can help." The CFPB, of course, is the Consumer Financial Protection Bureau, established as part of the Wall Street Reform and Consumer Protection Act of 2010.

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay, Transportation

Framework for VW Settlement Announced

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on todays announced VW settlement. For more details on what a strong settlement agreement ought to look like, please see the open letter that we released earlier this week with other consumer and environmental groups.

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News Release | OSPIRG | Public Health

TACO BELL MOVES AWAY FROM CHICKEN RAISED ON MEDICALLY IMPORTANT ANTIBIOTICS

Taco Bell will no longer serve chicken raised on medically important antibiotics in U.S. locations starting in 2017, but KFC still appears to lag.

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News Release | OSPIRG | Consumer Protection

Five Tips for Students on Finding the Right Bank

As college students return to campus this month, many of them will be opening a bank account for the first time. To help students find the right bank and avoid overdraft charges, ATM fees and other tricks and traps, OSPIRG released a new resource, "Finding the Best Bank for Your Buck on Campus."

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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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Report | Food

Apples to Twinkies

America is facing an obesity epidemic – one that’s hitting children especially hard. Childhood obesity rates have tripled over the last three decades, with one in five kids aged 6 to 11 now obese.

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Report | OSPIRG Foundation | Health Care

Making the Grade

By providing better options and better information, and negotiating on behalf of its enrollees, the exchange can level the playing field for consumers.

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Report | OSPIRG | Budget, Tax

Toward Common Ground

To break through the ideological divide that has dominated Washington this past year and offer a pathway to address the nation’s fiscal problems, the National Taxpayer Union and U.S. PIRG joined together to identify mutually acceptable deficit reduction.

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Report | OSPIRG Foundation | Health Care

Comments on ODS Health Plan's Proposal to Increase Rates 9.94%

ODS Health Plan (ODS) is proposing to raise rates an average of 9.94%, impacting 26,333 Oregon consumers and families with individual plans, effective November 1, 2011. The nearly 10% rate increase comes after two back-to-back years of increases exceeding 17%. If approved, the average rate will have increased 52% for individual policyholders over the last three years.

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Report | OSPIRG Foundation | Consumer Protection, Financial Reform

10 Reasons We Need The CFPB Now

This report outlines predatory financial practices that hurt consumers and helped collapse the economy, and details “10 Reasons We Need The Consumer Financial Protection Bureau 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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Blog Post | Health Care

A new way of shopping for health insurance gets a trial run | Jesse Ellis O'Brien

 

For the first time, the Oregon Health Insurance Exchange brought in consumers and outside experts to review their designs for their online marketplace. I was there, and here’s some of what I learned.

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Blog Post | Health Care

Here’s that Rx refill you didn’t order | Jesse Ellis O'Brien

Is your pharmacy refilling your prescription without your knowledge or approval, and billing your insurance company for the cost? If so, it’s the latest example of waste we shouldn't tolerate in our health care system.

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Blog Post | Consumer Protection

The CFPB is now taking your credit bureau complaints | Ed Mierzwinski

Excellent news! The CFPB is now taking complaints about credit bureaus and credit reports. And unlike the FTC, the CFPB has been given tools so that it will be able to "help consumers with individual-level complaint assistance on issues with their credit report."

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Blog Post | Consumer Protection

The Dos and Don'ts of Campus Banking

Given the confused campus card marketplace, students often have a hard time finding the right card and end up with an account littered with fees and inconveniences. Here is a list of Dos and Don'ts to enable students to navigate the marketplace and be aware of the tricks and traps of these cards.

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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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