Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

CoPIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 30 years, CoPIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, CoPIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

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.

> Keep Reading
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.

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

Fiat Chrysler Settlement Fails to Protect Consumers

While we are glad that Fiat Chrysler is paying something for damaging the health of Americans and deceiving customers, this settlement does not go far enough. It neither ensures these violations of the public trust won’t happen again nor makes consumers whole.

> Keep Reading
News Release | CoPIRG Foundation | Consumer Protection

Popular toys contain toxics and other hazards

This holiday season, watch out for dangerous and toxic toys. CoPIRG Foundation’s 33rd annual Trouble in Toyland report found toxic amounts of boron in slime products and a failure by Amazon to appropriately label choking hazards. Boron can cause nausea, vomiting and other health issues.

> Keep Reading
Blog Post | Consumer Protection

188,000 Coloradans Call For Ballot Measure To Rein In Payday Loan Interest Rates

On August 6, CoPIRG and coalition partners dropped off 188,045 signatures at the Colorado Secretary of State’s office in support of a ballot measure to cap sky-high payday loan interest rates. The Secretary of State’s office has the next few weeks to validate the signatures and assign Initiative 126 to the November 6 ballot.

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News Release | CoPIRG Foundation | Consumer Protection

Popular toys contain toxics and other hazards

This holiday season, watch out for dangerous and toxic toys. CoPIRG Foundation’s 33rd annual Trouble in Toyland report found toxic amounts of boron in slime products and a failure by Amazon to appropriately label choking hazards. Boron can cause nausea, vomiting and other health issues.

> Keep Reading
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."

> Keep Reading
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.

> Keep Reading
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. 

> Keep Reading
News Release | U.S. PIRG | Public Health, Consumer Protection

Is E. Coli contaminated Cargill/Excel beef in your fridge?

Last Thursday, Cargill Meat Solutions recalled more than 25,000 pounds of ground beef products shipped to Colorado and California because of possible contamination with potentially deadly E. coli. Cargill is likely unfamiliar to shoppers as the beef it produces is labeled using other brands, in this case “Excel fresh meat”.

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Report | CoPIRG Foundation | Consumer Protection

Credit Cards, Consumer Complaints

In this report we explore consumer complaints about credit cards with the aim of uncovering patterns in the problems consumers are experiencing with their credit cards and documenting the role of the CFPB in helping consumers successfully resolve their complaints.

> Keep Reading
Report | CoPIRG Foundation | Public Health, Consumer Protection

Trouble in Toyland 2013

The 2013 Trouble in Toyland report is the 28th annual CoPIRG Foundation survey of toy safety. In this report, CoPIRG Foundation provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards.

> Keep Reading
Report | CoPIRG Foundation | Consumer Protection

Big Credit Bureaus, Big Mistakes

This report is the third of several that review complaints to the CFPB nationally and on a state-by-state level. In this report, we explore consumer complaints about credit bureaus with the aim of uncovering patterns in the problems consumers are experiencing with credit reporting.

> Keep Reading
Report | CoPIRG Foundation | Consumer Protection

Private Loans, Public Complaints

This report is the second of several that will review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints in the private student loan sector with the aim of uncovering patterns in the problems consumers are experiencing with their student loans.

> Keep Reading
Report | CoPIRG | Consumer Protection

Trouble in Toyland: 27th Annual Survey of Toy Safety

The 2012 Trouble in Toyland report is the 27th annual Colorado Public Interest Research Group (CoPIRG) survey of toy safety. In this report, CoPIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards.

> Keep Reading

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Blog Post | Consumer Protection

CFPB Report Finds 1 In 4 Consumers Feel "Threatened" By Debt Collector Tactics | Ed Mierzwinski

We joined Consumer Financial Protection Bureau Director Richard Cordray and Washington, DC Attorney General Karl Racine for release of new CFPB data on debt collector abuses. Fully 1 in 4 consumers feel "threatened" by abusive, possibly illegal, debt collector tactics. The release also included an emphasis on problems with the "debt buyer" industry, comprised of firms that buy older, uncollected debt for as little as less than a penny on the dollar.

> Keep Reading
Blog Post | Consumer Protection

This New Year, Celebrate the CFPB | Ed Mierzwinski

This month, we published our 8th report based on analyzing consumer complaints collected in the CFPB's Public Consumer Complaint Database. The release of "Big Banks, Big Overdraft Fees" provides a good year-end opportunity to summarize a few of the reasons to be thankful for the Consumer Financial Protection Bureau, which took over in July 2011 as the first federal regulator with just one job: protecting consumers from unfair financial practices. The idea of the CFPB needs no defense, only more defenders.

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Blog Post | Consumer Protection

Addicted to Hand Sanitizer: A Wells Fargo Scandal Update | Ed Mierzwinski

More questions continue to be raised about the Wells Fargo scandal. When did it really start- 2013, 2011 or 2005? What did execs know and when did they know it? How many frontline employees were fired because they complained as whistleblowers? Does setting up a fake account constitute criminal identity theft? Should deposed chairman and CEO John Stumpf go to jail? If the culture was pure, how did a frontline worker get "addicted to (drinking) hand sanitizer? Should he pay back more bonus compensation? Here's a flyaround of some of what's going on. By the way, did you know that even the Better Business Bureau has thrown Wells out?

> Keep Reading
Blog Post | Consumer Protection

Consumer Financial Protection Bureau: By the numbers | Kathryn Lee

The Consumer Financial Protection Bureau released a breakdown of their successes they’ve had in the short five-year period they’ve been established. We're very proud to have been a part of building it and defending it; we're also very proud of the many achievements the youthful CFPB has made to make the financial marketplace fairer for consumers.

> Keep Reading
Blog Post | Consumer Protection

Will Wells Fargo CEO Tell Senate "No Clawbacks" of Exec's Golden Parachute? | Ed Mierzwinski

Wells Fargo CEO John Stumpf goes before the Senate Banking Committee Tuesday (9/20) to explain the recent $185 million in combined civil penalties by the CFPB and other regulators over a sales goals incentive scandal that led to employees opening some 2 million fake, secret accounts without the knowledge of customers. How will he respond to the growing public clamor for a clawback of bonuses paid his top retail executive Carrie Tolstedt, whose retirement with a $125 million golden parachute package had been announced earlier this summer? 

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News Release | U.S. PIRG Education Fund

A new analysis of publicly available information from the FDA by U.S. Public Interest Research Group Education Fund finds only 26 percent of a class of recalled blood pressure medications have been assessed for carcinogen contamiantion -- and the majority had some lots with higher levels than the FDA considers safe.

Blog Post

Were you affected by the Capital One breach, one of the largest thefts of data from any bank to date?

News Release | U.S. PIRG

Everyone should assume that their social security number has been exposed between this breach and breaches of other major companies’ databases, such as Equifax’s. With that in mind, U.S. PIRG recommends all Americans should use their right by law to freeze their credit reports for free

News Release | U.S. PIRG Education Fund

Our response to Equifax paying a $650 million penalty for exposing the social security numbers of 148 million Americans to identity theft.

Blog Post

Members of Congress hear repeatedly from lobbyists for corporate special interests in their offices and at fundraisers. How can consumer advocates balance the scales?

Consumer Protection | U.S. PIRG

Campus debit cards cost students over $24 million in fees

Report shows how campus debit cards — along with how they are marketed — are putting students' financial well-being at risk across the country.

 

Consumer Protection | U.S. PIRG

The real price of medications

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

 

Consumer Protection | U.S. PIRG

Driving into debt

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

 

Consumer Protection

Congressional investigation concludes that Equifax breach was entirely preventable

The worst data breach in history could have been prevented with some basic security measures.

 
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