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Video Blog | Consumer Protection

John Oliver Takes Aim At Credit Reports In 'Last Week Tonight'

Last Week Tonight with John Oliver explained how credit reports play a surprisingly large role in our lives, but even more surprising is how often they contain critical mistakes. John Oliver helps credit bureaus see why this is a problem – and that Judy still hasn’t been able to resolve her mixed up identity.

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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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News Release | Illinois PIRG | Democracy

Statement on today’s Senate vote on the constitutional amendment to overturn Citizens United

Today’s vote was an incredible milestone in the fight to reclaim our democracy. The Citizens United decision unleashed a tide of big money from mega-donors and super PACs into our elections, which has threatened to drown out the voices of ordinary Americans. In the 2012 elections, just 32 super PAC donors spent as much as all 3.7 million small donors to Mitt Romney and President Obama combined, and year after year, we’ve seen campaign spending records shattered.

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News Release | Illinois PIRG | Democracy

New campaign launches to get big money out of politics

As the U.S. Senate debates a key measure to reduce the dominance of megadonors and Super PACs in our elections, today Illinois leaders called for the end of big money in politics, and for new policies to increase the impact of small donors.

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Media Hit | Budget, Transportation

Kill the Illiana Expressway boondoggle

The well-documented decline in driving in Illinois and across the country does mean less state and federal gas-tax revenue, but does not necessitate any less support for maintaining our current transportation infrastructure, as referenced in the Tribune editorial on Sept. 8.

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Media Hit | Public Health

Stop overusing antibiotics

"Superbugs are more prevalent than ever: the CDC reported 2 million cases of antibiotic resistant infections last year, with 23,000 deaths. This is in large part because most antibiotics sold in this country are not given to sick humans. They are given to healthy livestock...I hope people will join me in IllinoisPIRG’s action calling on the Obama administration to stop this reckless antibiotic overuse so we never have to know what an epidemic without a cure feels like."

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News Release | Illinois PIRG Education Fund | Consumer Protection, Higher Ed

Senator Durbin joins consumer group to educate students about common tricks and traps of campus financial products

As classes begin for thousands of students across Illinois this week, Illinois PIRG Education Fund released tips for college students to avoid the tricks and traps of campus financial products that can make the cost of college even higher.

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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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Blog Post | Consumer Protection

Illinois Taking Action on Data Security | Abe Scarr

Another week, another massive data breach - but Illinois is taking action to update its personal information security laws.

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Blog Post | Consumer Protection

Once more into the breach | Abe Scarr

Another health insurer data breach affecting 1.1 million consumers highlights the need for the Illinois House to pass the Data Security and Consumer Protection Bill.

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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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Blog Post | Consumer Protection

U.S. House Considers Delay To Financial Protections for Servicemembers, Veterans | Ed Mierzwinski

(UPDATED 30 April): Last year the Department of Defense proposed needed improvements to the 2007 Military Lending Act, since high-cost lenders were exploiting loopholes to evade the law's 36% APR cap on loans to servicemembers to make loans at 400% APR or more, harming military families and threatening unit preparedness to defend the nation. Now, days before a committee vote, predatory lenders have succeeded in convincing House Armed Services Committee leaders to insert language into the National Defense Authorization Act that would delay the DoD regulations up to a year while needless, redundant studies are prepared. Only in Washington.

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Defend the CFPB

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