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Blog Post | Financial Reform

CFPB Finds So-Called Overdraft Protection Costs Some $450/Year | Ed Mierzwinski

This week, the Consumer Financial Protection Bureau (CFPB) rolled out draft "Know Before You Owe" disclosures for banks marketing so-called "Standard Overdraft Protection," a controversial product that requires consumers to "opt-in" for the "privilege" of overdrafting debit and ATM transactions for a so-called convenience fee averaging $34. It also  released a study that finds that at-risk consumers who opt-in pay $450/year more in fees than other at-risk consumers.

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News Release | U.S. PIRG | Public Health, Health Care

Our Statement on the Failure of the US Senate Health Care Bill

American consumers can breathe a sigh of relief today. The legislation that was narrowly defeated in the US Senate last night threatened to spark chaos in health insurance markets, raise costs, degrade quality of care, weaken protections for people with pre-existing conditions, and cause millions of Americans to lose health coverage.

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Blog Post | Financial Reform

It Makes No Sense to Eliminate Successful CFPB, Weaken Wall Street Reforms | Ed Mierzwinski

The successful CFPB turns 6 years old tomorrow, July 21. It's already returned nearly $12 Billion to over 29 million consumers harmed by unfair financial practices. Here is a birthday look at the Consumer Bureau's body of work so far and why it makes no sense for Congress to roll it back at the request of Wall Street lobbyists and other special interests.

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Blog Post | Financial Reform

Telco, Cable Guys Assault State Broadband Privacy Efforts, Sacramento Key Battleground | Ed Mierzwinski

After the new FCC chair and Congress rolled back pending Obama-era broadband privacy rules applying to collection and use of your personal information by Internet Service Providers (generally large telephone and cable companies) the states (and some cities) moved to replace protections. AT&T, Verizon and Comcast swiftly sent lobbyists out around the nation to quash the efforts. This week, Sacramento is under siege by a phalanx of ISP lobbyists as a key California proposal, AB375 (Chau) is considered. Key Senate committee votes occur Tuesday.

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News Release | OSPIRG | Budget, Consumer Protection, Tax

OSPIRG and other advocates commend passage of House Bill 2191

A coalition of consumer, small business and faith-based organizations joined together to commend the Oregon Legislature for passing House Bill 2191, a bill that will provide state officials with new tools to combat the abuse of anonymous shell corporations in Oregon. In recent years, Oregon’s lax incorporation transparency laws and lack of tools for law enforcement have made the state a hotbed for the use of shell corporations for criminal activity including money laundering, consumer scams and tax evasion.

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News Release | U.S. PIRG | Financial Reform

Statement Commending New Military Consumer Enforcement Act

Read our statement commending the introduction of the Military Consumer Enforcement Act by Sens. Jack Reed (RI), Sherrod Brown (OH) and others. These senators have the right idea-- strengthen the CFPB’s ability to protect servicemembers, veterans and their families. Why do others want to weaken the CFPB?

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News Release | OSPIRG | Health Care

Time is running out: Oregon legislature must take action to lower Rx prices

With less than a month left to go in the 2017 legislative session, state lawmakers have so far failed to pass the Oregon Affordable Drug Prices Act (HB 2387) to prevent drug company price gouging, increase transparency and lower prices. This important bill passed the House Health Care Committee in April but has been stalled thanks to the efforts of the powerful pharmaceutical industry, whose lobbyists have been working to stop the bill. Meanwhile, prices for medications increase month after month.

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News Release | OSPIRG | Health Care

OSPIRG Applauds Passage of HB 2339

Today, the Oregon Legislature's passed of House Bill 2339, urgently needed legislation to protect Oregon consumers from large surprise medical bills. The critical consumer protection measure now heads to the desk of Gov. Kate Brown.

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News Release | Public Health

Statement on SC Johnson’s skin allergen disclosure announcement

“SC Johnson, the manufacturer behind popular brands like Glade, Pledge, Windex, and more has announced today that it will disclose the presence of 368 fragrance and non-fragrance potential skin allergens that may occur in its products. This is a great move for chemical transparency in consumer products."

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News Release | Democracy

Our Statement Regarding the President’s “Commission on Election Integrity”

Read OSPIRG's statement on the President's establishment of an "Advisory Commission on Election Integrity."

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Result | Health Care

Young People Now Covered

This year, the federal health care reforms that OSPIRG worked to win have started to pay off for young people. In the past, teens saw their premiums soar or were denied coverage when they turned 19, even if they’d been insured their whole lives. Now, they can remain on their parents’ plans until age 26. 

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Plan to cut health care waste moves ahead in Oregon

Members of the Oregon Health Policy Board approved a plan to cut health care administrative waste and save Oregonians $100 million per year in the process.

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Wasteful student lender subsidies cut. Winner: students.

Congress finally ended wasteful subsidies to student lenders that diverted billions of dollars annually away from helping more students go to college.

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Result | Democracy

Oregon Voter Registration enters the 21st Century

Voter Registration enters the 21st Century in Oregon with Governor Kulongoski's signing of the Online Voter Registration Act today.

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Result | Budget, Democracy, Tax

Google Government Coming to Oregon

The Oregon Legislature gave final approval to HB 2500 this morning, which sets up a one-stop website for taxpayer spending.

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Report | OSPIRG Foundation | Democracy

Oregon’s Multi-Million Dollar Democracy

It is well-established that Oregon’s elections often attract large donors from both within and outside the state and that this is all permissible through a combination of state and federal court decisions as well as Oregon’s longstanding lack of campaign finance regulation. 

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Report | OSPIRG Foundation | Consumer Protection

TROUBLE IN TOYLAND 2015

Dangerous or toxic toys can still be found on America’s store shelves, according to OSPIRG Foundation’s 30th annual Trouble in Toyland report. The survey of potentially hazardous toys found that, despite recent progress, consumers must still be wary when shopping this holiday season.

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Report | OSPIRG Foundation | Democracy

Democracy for the People

Candidates in the 2016 presidential race could see a dramatic shift in fundraising under a small donor empowerment program, according to a new study by OSPIRG Foundation.

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Report | OSPIRG Foundation and Citizens for Tax Justice | Tax

OFFSHORE SHELL GAMES 2015

U.S.-based multinational corporations are allowed to play by a different set of rules than small and domestic businesses or individuals when it comes to the tax code. Rather than paying their full share, many multinational corporations use accounting tricks to pretend for tax purposes that a substantial portion of their profits are generated in offshore tax havens, countries with minimal or no taxes where a company’s presence may be as little as a mailbox. Multinational corporations’ use of tax havens allows them to avoid an estimated $90 billion in federal income taxes each year.

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Blog Post | Financial Reform

Banks Cook Books To Promote Wrong Choice Act, Attack CFPB | Ed Mierzwinski

Today the House Financial Services Committee takes up the so-called Financial Choice Act, which we call the Wrong Choice Act, to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and leave the CFPB an unrecognizable husk incapable of protecting consumers. Some 52 state bank associations urged support of the bill, based on a "cook-the-history-books" analysis of bank consolidation, which has not increased since 2010, even though they make the claim based on preposterous math.

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Blog Post | Financial Reform

Financial Choice Act: A Cruel Choice for the CFPB & Consumers | Ed Mierzwinski

UPDATED 4/25 with link to our letter to Congress. This week, on Wednesday 4/26, the House FInancial Services Committee holds a hearing on Chairman Jeb Hensarling's Financial Choice Act 2.0. It's a brutal un-do of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act that forgets, or ignores, the historical fact that reckless bank practices abetted by loose regulators wrecked our economy in 2008. A key goal of the proposal is to weaken the successful CFPB into an unrecognizable husk incapable of protecting consumers.

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Blog Post | Health Care

The American Health Care Act is a bad deal for Oregon | Jesse Ellis O'Brien

Congress may be about to make a historic mistake that could raise costs and degrade the quality of health care for countless Oregonians—all without seriously taking on any of the myriad problems in our health care system.

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Blog Post | Health Care

Our Statement on the American Health Care Act | Jesse Ellis O'Brien

Instead of taking on the high cost of health care and other urgent problems for consumers, Congress may be on the verge of severely damaging the nation’s health insurance markets, raising costs and degrading care for millions of Americans.

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Blog Post | Financial Reform

If the CFPB Is Weakened, Won’t the Credit Bureaus Run Amok (Again?) | Ed Mierzwinski

The CFPB is doing incredible work defending consumers. You may not know how much of that work involves cleaning up the sloppy credit bureaus. Congressional and special interest attacks on the CFPB will slow all or stop all CFPB work. It will let the bureaus run amok, again, placing your credit score and financial opportunity and job prospects at risk.

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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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