CoPIRG Equifax Tips 011218

What's New

News Release | CoPIRG Foundation and the Financial Equity Coalition | Consumer Protection

Prohibition on triple-digit payday loan rates goes into effect Feb 1st

Tomorrow, Colorado joins fifteen other states and the District of Columbia in stopping predatory payday lenders from charging Coloradans triple-digit rates to borrow small loans of $500 or less. Starting February 1st, payday loan companies can no longer charge interest and fees that add up to over 200% APR but must abide by Colorado’s usury cap of 36%. The change comes after 77% of voters passed Proposition 111 in November, ending an era of predatory payday lending practices that targeted low-income borrowers, veterans, and communities of color. Coloradans will save an expected $50 million per year in payday loan fees.

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News Release | U.S. PIRG | Antibiotics

Fast food and football: who scores, who fumbles?

With Super Bowl LIII coming up Sunday, Americans have foods such as hamburgers and pizza on their minds -- and many corporations (such as Budweiser) are touting their socially-responsible deeds in commercials.

But many corporate deeds go under the radar. In late January, two companies closely identified with football made big plays. One scored. One fumbled.

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News Release | Denver Streets Partnership | Transportation

Denver Earns “C“ on 2018 Progress Toward Safe Streets Goals

A new progress report card released by safety advocates with the Denver Streets Partnership awarded Denver an overall “C“ grade for the City and County of Denver’s progress on the Vision Zero Action Plan designed to improve the safety of Denver’s streets. The progress report card looked at Denver’s 2018 infrastructure goals in eight categories and found that, while Denver met its goals for miles of bike lanes constructed and operational improvements at major intersections, it failed to meet its goals for sidewalks constructed, traffic calming work, and street lighting enhancements.

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News Release | CoPIRG Foundation | Consumer Protection

New report: Food recalls increased 10 percent since 2013

From E. coli-infected romaine lettuce to Salmonella-tainted beef, contaminated foods lead to illnesses that sicken as many as 1 in 6 Americans annually. In 2018, this epidemic helped spur major recalls, which caused stores and restaurants to toss millions of pounds of meat and produce.  CoPIRG Foundation’s new report How Safe is Our Food?, released today, reveals how fundamental flaws in our current food safety system have led to a jump in these recalls since 2013.

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Blog Post | Public Health

Which stores make the grade for getting toxic chemicals off the shelves?

Out of the 40 largest retailers in North America, 19 lack any public policy to address toxic chemicals in the products found on their shelves.

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News Release | U.S. PIRG Education Fund | Antibiotics

Chain Reaction report urges burger restaurants to beef up policies to eliminate routine use of antibiotics

Two growing burger chains, Shake Shack and BurgerFi, stand out from the herd when it comes to serving beef raised without the routine use of antibiotics in the burger industry. They were the only restaurants to earn an “A” on the fourth annual Chain Reaction scorecard released today by six major consumer and environmental organizations. The vast majority of hamburger chains — 22 of the top 25, including giants such as McDonald’s — got an “F” grade because they lack established policies restricting antibiotic use in their beef supply chains.

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News Release | U.S. PIRG | Consumer Protection

U.S. PIRG response to reports of Facebook security breach

Facebook announced today that earlier this week, "attackers exploited a vulnerability in Facebook’s code that impacted “View As”, a feature that lets people see what their own profile looks like to someone else. This allowed them to steal Facebook access tokens which they could then use to take over people’s accounts."

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News Release | CoPIRG | Consumer Protection

Legislators, Consumer Advocates Encourage Coloradans to Freeze Their Credit Reports

On the day that a new federal law eliminates consumer fees to freeze and thaw credit reports, a group of Colorado legislators and consumer advocates gathered at the Capitol to encourage Coloradans to take advantage of free credit freezes and protect themselves against identity thieves. According to CoPIRG, credit freezes are one of the best ways to stop an identity thief from using your information to set up a new credit card or cell phone account in your name, run up big bills, and leave you to pick up the pieces.

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News Release | GoEV City coalition | Transportation

At Drive Electric Week Event, Advocates Release New Guide to Help Cities Plug In

Environmental, energy efficiency, and consumer advocates gathered on Wednesday at Denver's National Drive Electric Week event to call on all Colorado cities and counties to become a GoEV City and lead the charge to an electric vehicle future. The coalition is calling on cities and counties to make bold commitments to transition towards an all-electric future. To help cities and counties make the commitment, the coalition released the GoEV City toolkit, a catalog of local policies, strategies and programs designed to make it easy for cities and counties to make robust commitments around electric vehicles and advance toward a transportation system with zero tailpipe emissions and huge consumer savings. 

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News Release | CoPIRG | Consumer Protection

Initiative to Rein in Predatory Payday Loans Makes November Ballot

Today, the Colorado Secretary of State’s office confirmed that the Coloradans to Stop Predatory Payday Loans campaign, which CoPIRG is on the steering committee of, submitted enough signatures and Proposition 111 will be on the ballot this November. Proposition 111 will decrease the interest and fees that Coloradan’s pay for payday loans from an APR of 214 percent down to 36 percent, bringing payday loans under the same 36 percent usury cap that every other financial product follows in Colorado. 

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Report | U.S. PIRG Education Fund | Democracy

Outside Influence: Out-of-state money in the 2016 senate elections

Control of the United States Senate is at stake in the 2016 elections. Out of 34 senate races nationally, the outcome could be decided by just several swing states and a few key constituencies. But there is another deciding factor in this year’s race for the senate: money.

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Report | CoPIRG | Make VW Pay

The Volkswagen Settlement

Today, Judge Breyer said he was “strongly inclined” to approve a partial settlement between Volkswagen and the U.S. Department of Justice regarding VW’s emissions cheating vehicles and would make a final decision before October 25th. The proposed settlement would provide Colorado with at least $61 million to invest in pollution reduction strategies for Colorado’s transportation system.

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Report | CoPIRG Foundation | Consumer Protection

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the Consumer Financial Protection Bureau. In this report, we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans.

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Report | CoPIRG Foundation | Transportation

Highway Boondoggles 2

Twelve proposed highway projects across the country – slated to cost at least $24 billion – exemplify the need for a fresh approach to transportation spending. These projects, some originally proposed decades ago, are either intended to address problems that do not exist or have serious negative impacts on surrounding communities that undercut their value. They are but a sampling of many questionable highway projects nationwide that could cost taxpayers tens of billions of dollars to build, and many more billions over the course of upcoming decades to maintain.

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Blog Post | Transportation

Good News: Denver City Council Approves Scooters in Bike Lanes | Danny Katz

Good news came out of Denver City Council last night after they unanimously passed new safety and operational rules for electric scooters to allow their use in bike lanes and on city streets that have speed limits under 30 mph.

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Blog Post | Solid Waste

Apple iPhone sales lag as customers maintain older phones, U.S. PIRG calls for Apple to embrace repair | Nathan Proctor

Right to Repair Campaign Director Nathan Proctor says, "Smartphones should not be treated as disposable, and we simply can’t continue making and tossing phones at such a rapid pace. It’s time for Apple to embrace repair, and our Right to Repair." 

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Blog Post | Financial Reform

Mulvaney Lobs One Last Softball To Industry Opponents of CFPB | Ed Mierzwinski

As the year 2018 came to an end, U.S. PIRG, Americans for Financial Reform and AFR members filed the last in in a seemingly interminable series of Consumer Financial Protection Bureau Requests for Information. Although there was no clear intent to this "Data Collection" RFI, we, and allied academic scholars who filed a separate comment, both inferred it as another opportunity for industry opponents of the CFPB to attack the Bureau's consumer protection mission -- this time by challenging its collection and use of data to evaluate and respond to financial marketplace problems that harm consumers. 

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Blog Post | Financial Reform

EU NGOs Blast Google Locational Data Collection as US Groups Blast FTC on Privacy | Ed Mierzwinski

Today, 7 member groups of the European Consumer Organization (BEUC) asked each of their national Data Protection Authorities to investigate Google Android's smartphone locational data collection practices following an investigative report by the Norwegian Consumer Council (Forbrukerrådet) finding that Google may be in violation of the new European GDPR privacy law. All the groups are members of the U.S. PIRG-backed TransAtlantic Consumer Dialogue, which itself  followed up on the report and EU actions with a letter to the U.S. Federal Trade Commission. Meanwhile, as the Senate prepared for an afternoon FTC oversight hearing today where Facebook may be a focus, we joined leading groups in a separate letter to complain to the FTC about its biased staff report that adopts unsubstantiated industry claims in defense of an FTC call to the administration for weak baseline privacy choices. 

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Blog Post | Financial Reform

2019 Fight Over Data Privacy Rights Heating Up Already | Ed Mierzwinski

Next year, a highly-anticipated privacy and data rights battle will occur in Congress. Powerful special interests from Google to Facebook are responding to the new European General Data Privacy Regulation (GDPR) by seeking to quash any similar effort to protect U.S. consumers while simultaneously seeking to preempt a new California privacy law before it takes effect in 2020. Will we continue as data collector products, not their customers, or will we gain control over our own financial DNA? The state PIRGs are in this one; guess which side we're on. Today we joined 34 leading groups in issuing shared Privacy Principles.

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Blog Post

'There is absolutely no excuse for this': Your Experian credit freeze could have been unfrozen by anyone

Imagine locking your front door only to discover that your security company dropped by moments later and left your key on top of your welcome mat.

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Blog Post

Walmart To Phase Out Paint Strippers Linked To Dozens Of Deaths

In the absence of government action on deadly paint strippers, retailers are stepping up to protect consumers.

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Blog Post

Drinking Water Shut Off In All Detroit Schools Due To Lead

As school started for the year, many students in Detroit returned to schools with drinking water containing lead—a toxin that can impact how they think, learn and behave.

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Blog Post

'This Infection is Resistant to Everything We Have'

Those are not words any patient wants to hear.

But a surgeon at The Johns Hopkins Hospital tells U.S. PIRG Education Fund that he and other doctors are being forced to deliver that message. He points to the overuse of antibiotics in agriculture as a major culprit.

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News Release | U.S. PIRG Education Fund

Newly-revealed details by the New York Times about of the crash of two Boeing 737 Max 8 planes may stun even the most hardened observer. The planes lacked a safety feature that may have warned pilots about problems because it was not required and Boeing charged airlines extra to include it. Adam Garber, U.S. PIRG Education Fund Consumer Watchdog issued the following statement.

News Release

This announcement comes after the FTC sent warning letters last April to six companies saying their "void warranty if removed" stickers violated consumer rights under Magnusson-Moss Warranty Act. A subsequent survey in October by U.S. PIRG Education Fund, "Warranties in the Void," showed that such anti-repair activity was even more widespread. The study surveyed 50 members of the Association of Home Appliance Manufacturers and found the 45 would void warranties for independent repair. 

News Release | U.S. PIRG

Public health and environmental groups urge EPA to deny antibiotic use on citrus.

Blog Post

Denver draws thousands of visitors and new residents every year, but the city is slowly paving over what makes it special.

Blog Post

From Oregon to Kentucky, California to Maryland, students at college campuses across the country are teaming up to end student hunger by cutting food waste.

Let's move beyond plastic

Nothing we use for a few minutes should threaten our health and pollute our future for hundreds of years. One of the best ways to reduce the amount of trash headed to landfills is to ban items such as plastic foam cups and takeout containers.

 

Consumer Protection | U.S. PIRG

The real price of medications

The results of our investigation of variations in prescription drug prices may surprise you.

 

Public Health | U.S. PIRG

Glyphosate in beer and wine

Research shows that beer and wine are contaminated with glyphosate, the main ingredient in the weed killer Roundup.

 

Consumer Protection | U.S. PIRG

Driving into debt

The hidden costs of risky auto loans to consumers and our communities

 

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