CoPIRG Ban Roundup & CFPB Homepage 3.16.17

What's New

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 | Transportation

Owning Fewer Cars Isn’t Just For Millennials | Sean Doyle

New transportation options are making it easier for people to use transit more, own fewer cars, and even save money on transportation.

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News Release | CoPIRG | Transportation

Bill to Increase Public Protections in Private Road Deals Vetoed by Governor Hickenlooper

Governor Hickenlooper vetoed a bi-partisan bill, SB-197, that would increase transparency and public protections in private road deals. The Legislature passed SB-197 in response to the immense public outcry after Colorado entered into a 50-year deal with a private company to build and manage parts of U.S. 36 including new toll lanes. 

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News Release | CoPIRG Foundation | Safe Energy

VICTORY: PUC Rejects Xcel’s Energy Savings Rollback Proposal

On Wednesday, the Colorado Public Utilities Commission rejected Xcel Energy’s proposal to cut their energy savings programs by nearly a third from their 2014 level. The PUC also tightened up the rules around bonuses that Xcel can generate from meeting their goals and directed Xcel Energy to develop plans for new energy saving opportunities.

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Media Hit | Safe Energy

Don't retreat on Xcel energy efficiency goals

There is no question Xcel Energy's efficiency savings program has been a success since 2009, saving customers nearly 1.6 billion kilowatt-hours a year.

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Media Hit | Transportation

US 36 bill head's to Governor's desk

A bill that requires more public scrutiny of public-private road deals passed the House of Representatives on Monday and is heading to Gov. John Hickenlooper's desk for signing.

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GM to pay maximum fine of $35 million over delayed recall

General Motors agreed to pay a $35 million fine to settle a federal probe into the 10-year delay of its ignition switch recall, federal safety regulators announced Friday.

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Highlights of the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009

To educate consumers about the Credit Card Accountability, Responsibility And Disclosure (CARD) Act signed into law on May 20, CoPIRG released a factsheet about the upcoming changes and tips on how to avoid remaining abusive credit card practices.

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Report | CoPIRG | Health Care

The Cost of Repeal

This report examines the costs and benefits of repealling the Affordable Care Act for the taxpayers, consumers, and businesses of our state.

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Report | CoPIRG | Health Care

Small Business Delimma

When it comes to health care, American small business owners are getting a raw deal.

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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 | Financial Reform

The More I Hear About OPM Data Breach, The Less I Know, Except This: It's Bad | Ed Mierzwinski

Was it 4 million, 14 million or 18 million records breached (how many times) (likely) by Chinese hackers? Whose fault was it? The USOPM director says no one's. Really? Perhaps the worst data breach ever raises lots of questions, but I haven't heard any good answers. Federal employees, their families, their friends and their neighbors -- because all of them could be victims -- deserve better answers, just as they deserve better service than USOPM's credit monitoring provider is giving them.

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Blog Post | Consumer Protection

Hill Threats to CFPB Escalate As CFPB Protects Consumers, Servicemembers | Ed Mierzwinski

Today, the House Appropriations Committee, at the behest of both Wall Street and predatory lenders seeking to run amok, will vote to eliminate the CFPB's independence from the politicized appropriations process. Meanwhile, over at the CFPB, important work to protect consumers, including servicemembers, from unfair and predatory financial practices continues.

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Blog Post | Consumer Protection

Data Breach Here, Data Breach There, Data Breach Everywhere! | Ed Mierzwinski

UPDATED 10 June Re DHS Breach: If you shop with plastic, have health insurance, pay taxes, work for the federal government, or (fill in blank) you’re at risk of a data breach. And with so much information about you already available on the Internet, it’s best not to select easy-search security questions like “Where were you born?” or answers like “Pizza.” What’s your best defense against identity theft? No, it isn’t credit monitoring, it’s a security freeze.

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