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 | Consumer Protection

CoPIRG calls for basic good governance and transparency for electric coops

CoPIRG called on the House Energy and Environment Committee to approve HB21-1131, titled Cooperative Electric Associations Governance Requirements, sponsored by Representatives Amabile and Catlin. The bill would ensure every electric cooperative and the generation and transmission associations they depend on have basic minimum standards of good governance in place. 

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A week's worth of help and tips during Consumer Protection Week

Being a consumer is a tough job. Really tough. During National Consumer Protection Week, which runs through March 6, the U.S. PIRG Education Fund staff is offering a daily dose of tips and advice to help you navigate life’s biggest consumer challenges.

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News Release | CoPIRG Foundation, U.S. PIRG Education Fund, Frontier Group | Consumer Protection

Study: CFPB complaints shattered records in 2020, exposing how the COVID-19 pandemic battered consumer finances

Consumer complaints about problems with financial companies such as banks, credit bureaus and debt collectors rose by more than 50 percent in 2020 and set new records for each month of the year, according to a new report from the CoPIRG Foundation. The report, Consumers In Peril, which analyzed complaints received by the Consumer Financial Protection Bureau (CFPB), was released Monday to kick off National Consumer Protection Week.

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News Release | U.S. PIRG | Consumer Protection

Hack doesn’t absolve Equifax of being careless with consumers’ data

Congress must hold companies accountable for failing to protect condumers' confidential information.

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News Release | U.S. PIRG | Consumer Protection

Critical Product Safety Legislation Introduced in House by Representative Rush

U.S. Rep. Bobby Rush releases legislation to increase transparency around important product injury and death data. 

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News Release | U.S. PIRG Education Fund | Consumer Protection

Deadly infant products sold after recalls at T.J. Maxx, Marshalls, HomeGoods

The U.S. Consumer Product Safety Commission (CPSC) announced today that discount stores T.J. Maxx, Marshalls and HomeGoods sold 19 different recalled products to consumers between 2014 and 2019. In the case of five products, the stores’ parent company TJX initiated the recall. The products included the Rock ‘N Play and Kids II inclined infant sleepers, which are responsible for a number of fatalities, rattles that can break and pose a choking hazard, and electronics that overheat or explode. 

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News Release | U.S. PIRG Education Fund | Consumer Protection

Heartburn medication recalls continue due to carcinogen concerns

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

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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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Blog Post | Consumer Protection

Wall Street Ramps Up Attacks on Wall Street Reform | Ed Mierzwinski

On Friday, the House overwhelmingly approved a Wall Street-driven proposal to weaken oversight of private equity firms, taking a chunk out of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act. But wait, there's so much more: On Tuesday the House Financial Services Committee takes up the so-called "Financial Choice Act," which eviscerates most of Dodd-Frank's key reforms, from stripping powers of the Financial Stability Oversight Council to repealing the Volcker Rule, which reins in risky betting practices that use depositors' money. As for the CFPB (which just this week issued its biggest fine to date, $100 million against Wells Fargo Bank for opening hundreds of thousands of fake and secret consumer accounts to meet sales goals), the proposal would defund and defang it and delay or stop its efforts to rein in unfair practices of payday lenders, debt collectors and banks. Many of the Financial Choice Act's provisions also pose threats as budget bill "riders."

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Blog Post | Consumer Protection

Good news! CFPB Adding Consumer Ratings of Company Responses to Complaint Database | Ed Mierzwinski

The CFPB is making a good public consumer complaint database better. In 2015, the CFPB added optional consumer narratives, or stories, to its public consumer complaint database, giving other consumers, researchers and even other firms a new way to help study complaint patterns. Now, it will give consumers a chance to “rate the company’s handling of his or her complaint on a one-to-five scale and provide a narrative description in support of the rating.”

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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Blog Post | Consumer Protection

Delayed CFPB/Other Wall Street Reform Rollbacks Happening Today On House Floor | Ed Mierzwinski

Last month the House canceled floor consideration of the Financial Services and General Government Appropriations bill. FSGG is back on the floor today and tomorrow. We urge support of amendments to protect the Consumer Financial Protection Bureau (CFPB) but, since they won't pass, we urge a no vote on the bill. Here's an updated excerpt from my previous blog.

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News Release | U.S. PIRG

The Veterans and Consumers Fair Credit Act (VCFCA) was reintroduced in the House Committee on Financial Services on Monday. This bill would limit interest rates on loans and go a long way toward protecting consumers, including veterans, who are often victimized by predatory lenders.

Blog Post

Even with the knowledge I’ve gained working as a consumer advocate for several years, getting my finances in order has been a work in progress. 

Blog Post

Until recently, I did not have estate and end-of-life planning in mind, but it was the natural next step in my quest to be a responsible adult, with a nudge from the existential threat of the COVID-19 pandemic.

Blog Post

Advance directives are legal instructions that include a living will (different from a regular will) and a health care proxy. In them, you state what treatments you do or don’t want at the end of your life and who you want making health care decisions for you if you can’t. 

Blog Post

Before listening to In Case You Get Hit By a Bus, I didn’t know about insurance that covers the costs of long-term care, such as home health care or nursing home care, for people who need assistance with daily living activities. 

Consumer Protection

Report: Colorado consumers faced major challenges with credit bureaus, debt collectors in 2020

If you were treated unfairly by a financial company such as a credit bureau in 2020, you're not alone. "Consumers in Peril," a CoPIRG Foundation report on the top marketplace threats that Americans faced in 2020, found that problems with banks, credit bureaus and debt collectors were among the top consumer complaints.

 

Consumer Protection

Auto Loan Complaints Rise

A review of complaints to the Consumer Financial Protection Bureau’s (CFPB) Consumer Complaint Database reveals a sharp spike in consumer complaints about auto purchasing, leasing and finance since the beginning of the pandemic.

 

Consumer Protection

Gov. Polis signs anti-price gouging bill into law

Gov. Jared Polis has signed into law a CoPIRG-backed bill that makes it illegal to sell food, fuel, medical supplies or other necessities for excessively high prices during a declared emergency. In Colorado and across the country, some sellers have been using the pandemic to take advantage of consumers by dramatically raising prices for essential goods.

 

Consumer Protection

Rich Cordray offers expert consumer tips with U.S. PIRG advocates via Zoom

During an online panel organized by U.S. PIRG, former CFPB Director Rich Cordray warned that this difficult time will likely last longer than most believe, and that consumers need protections such as mortgage relief and a halt on evictions for nonpayment of rent in order to weather it.

 
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