Illinois PIRG Ban Roundup & CFPB Homepage 3.16.17

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Blog Post | Consumer Protection

Time To Defend CFPB as Senate Banking Committee Aims Sights at It | Ed Mierzwinski

UPDATED 12 April: The Senate Banking Committee held a stacked hearing on "Assessing Consumer Regulations" yesterday (5 April), although our one pro-consumer witness and pro-CFPB Senators defended consumer protection ably as three industry-backed witnesses and their supporters on the committee had a great deal of trouble proving their case that the CFPB should be dismantled. Tomorrow morning, (7 April) CFPB Director Richard Cordray will present the statutory "Semi-Annual Report of the CFPB" to the committee. We submitted a statement to be entered into the hearing record, as did other Americans for Financial Reform coalition members.

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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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Media Hit | Public Health

Increase limits on animal antibiotics

Last month, President Obama issued an executive order preserving antibiotics, which gets an A on tackling the problem of spreading antibiotic resistance from multiple angles. But in terms of addressing the biggest problem, the troubling overuse of antibiotics on factory farms, the administration gets an incomplete.

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News Release | Illinois PIRG | Transportation

New Report Shows Mounting Evidence of Millennials’ Shift Away from Driving

A new report from the U.S. Public Interest Research Group (U.S. PIRG) and Frontier Group shows mounting evidence that the Millennial generation’s dramatic shift away from driving is more than temporary. While the 2000s saw a marked decrease in the average number of miles traveled by young Americans, the study explains that those trends appear likely to continue even as the economy improves – in light of the consistency of Millennials’ surveyed preferences, a continued reduction of Millennials driving to work, and the continued decreases in per-capita driving among all Americans.

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Media Hit | Public Health

Factory farms sow superbugs

Already, two million Americans fall ill every year from antibiotic-resistant infections, and according to the CDC, 23,000 of them die from those infections annually. Public health experts are in agreement: if we don’t act, the problem will only worsen.

Experts warn that treatable diseases like pneumonia, meningitis, and tuberculosis may once again become untreatable. Organ transplants, chemotherapy, hip replacements, radiation therapy and other staples of modern medicine may become overly risky without effective antibiotics to treat infections.

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Media Hit | Transportation

Say 'no' to the Illiana Expressway (again)

Yes, that's the Illiana Expressway, one of 11 questionable projects nationwide to earn a spot on the U.S. Public Interest Research Group's just-released "boondoggle" list.

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Media Hit | Public Health

Guest Column: The threat of antibiotic resistance

If we want a future in which antibiotics remain a central pillar of health care, we need all animal farms to take similar action immediately. Congress and the Barack Obama administration can make this happen by requiring that livestock and poultry operations stop using antibiotics on animals that aren’t sick. This immediate action is critical to ensure that these precious medicines are preserved for generations to come.

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Report | Illinois PIRG Education Fund | Transportation

Connecting the Midwest

Completing the Midwest’s regional rail system should be a priority for addressing many of the region’s toughest transportation challenges, while delivering badly needed economic activity.

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Report | Illinois PIRG Education Fund | Budget, Tax

Privatization and the Public Interest

Chicago has been the most aggressive city in the United States in the privatization of public infrastructure. The problems resulting from parking meter privatization could have been avoided had Chicago followed common-sense principles regarding the privatization of public assets and provided the public with the ability to monitor and influence the privatization process

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Report | Illinois PIRG Education Fund | Health Care

The Small Business Dilemma

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

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Report | Illinois PIRG Education Fund | Safe Energy

The High Cost of Nuclear Power

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Blog Post | Consumer Protection

Court Reinstates Case Against Bank That Aided Senior Citizen Fraud | Ed Mierzwinski

This week, the 3rd Circuit, U.S. Court of Appeals overturned a lower court decision that had denied class action status to victims of a scheme targeting senior citizens who were suing Zions Bank and its payment processor affiliates for aiding the fraudsters. U.S. regulators led by the Department of Justice have been fighting this and similar schemes, yet powerful special interests have managed to create a false narrative in Washington, DC that has been picked up by opponents of consumer protection laws. They falsely claim that the government's target is "legitimate" payday lenders and gun dealers. Wrong, the target is financial crimes against consumers, many consumers.

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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 | Consumer Protection

House To Vote On Godzilla-Sized Rule Blocker, As Financial Committee Considers Smaller Rollbacks | Ed Mierzwinski

UPDATED: REINS Approved, near party line vote. Today, the House Financial Services Committee takes up a package of smaller rollback bills, many of which are opposed by Americans for Financial Reform and the PIRGs. Meanwhile, the House will bring up the Godzilla of all anti-health and safety bills, the REINS Act. Fortunately, the President has promised a veto.

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Blog Post | Consumer Protection

The CFPB is 4 years old and has a lot to show for it! | Ed Mierzwinski

Tuesday, July 21, marks four years to the day since the Consumer Financial Protection Bureau opened its doors to protect consumers and make financial markets work. We've summarized some of the ways CFPB works for you on a new web page.

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Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

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DEFEND THE CFPB

Tell your representative 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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