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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

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Blog Post | Transportation

Why Is Our Infrastructure So Terrible? | Sean Doyle

America is facing a $1.4 trillion infrastructure funding crisis. This isn't some distant problem; it's already having a real effect on everyday Americans.

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Blog Post | Transportation

Good Things Come to Those On Bikes | Sean Doyle

Pull the bike out of the closet, pump up those tires, and dust off the helmet because it's Bike to Work Week!

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News Release | WISPIRG Foundation | Consumer Protection, Financial Reform

Faith Leaders, Advocates Release New Fact Sheet Detailing the Impact of Payday Lending on Wisconsinites

Faith leaders and consumer and low-income advocates participated in a joint press conference call to detail the harms of payday and high-interest loans on individuals, families and communities across the state.

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Report | WISPIRG Foundation | Consumer Protection, Financial Reform

Stop Payday Predators

Payday loans are among the most predatory forms of credit on the market. Though they are marketed as having “reasonable” fees or charges, typical interest rates exceed 300 percent. And because the payday lenders’ bottom line actually depends on borrowers’ inability to repay — most payday fees come from borrowers who take out more than 10 loans a year — they target people with low incomes and no other options.

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News Release | WISPIRG Foundation | Consumer Protection, Financial Reform

Faith Leaders, Advocates Release New Fact Sheet Detailing the Impact of Payday Lending on Wisconsinites

Faith leaders and consumer and low-income advocates participated in a joint press conference call to detail the harms of payday and high-interest loans on individuals, families and communities across the state.

> Keep Reading
News Release | WISPIRG Foundation | Public Health

Public Interest Group, Local Doctor and Farmer Call on Culver’s to Help Save Antibiotics

Today WISPIRG Foundation staff and volunteers launched a new consumer campaign that will call on Culver’s, home to the regionally renowned Butterburger, to stop selling meat raised with the routine use of antibiotics. UW Professor Emerita Carol Spiegel and Sauk County farmer Jim Goodman spoke about the urgent need to reduce unnecessary antibiotic use on livestock, and about how doing so will help preserve these life-saving medicines for future generations.

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay, Transportation

Framework for VW Settlement Announced

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on todays announced VW settlement. For more details on what a strong settlement agreement ought to look like, please see the open letter that we released earlier this week with other consumer and environmental groups.

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News Release | U.S. PIRG | Public Health, Food

Taco Bell Moves Away From Chicken Raised on Medically Important Antibiotics

Taco Bell will no longer serve chicken raised on medically important antibiotics in U.S. locations starting in 2017. The announcement was included in a release from Taco Bell’s parent company Yum! Brands, and comes amid widespread consumer demand and concern from the medical community about the overuse of antibiotics on livestock and poultry. Taco Bell’s announcement will put major market pressure on the meat industry to stop overusing antibiotics and should push its partner brands KFC and Pizza Hut to have stronger commitments as well. 

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay

Leading Groups Send Criteria for Evaluating VW Settlement

Four leading consumer, environmental, and public health organizations wrote an open letter in advance of the April 21st deadline set by U.S. District Judge Charles R. Breyer for a proposal that deals with Volkswagen’s emission scandal.

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Victory: CFPB Director Confirmed

On July 16, 2013, the U.S. Senate confirmed Richard Cordray as the director of the Consumer Financial Protection Bureau, giving the bureau its full authority to protect consumers in the financial marketplace and to oversee payday lenders, mortgage companies, private student lenders and credit bureaus. 

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WISPIRG Blocks Predatory Rent-To-Own Bill

In May 2013, WISPIRG helped defeat a provision that would have given special treatment to the predatory rent-to-own industry, which charges astronomical annual interest rates to rent used or older model products. WISPIRG joined with State Sen. Glenn Grothman, the Wisconsin Catholic Conference, and numerous faith and civic leaders to oppose a special interest exemption that would have eliminated the requirement that rent-to-own businesses disclose an APR.
 

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One Year Anniversary of CFPB

 

 

 

For the first time, a federal financial agency has placed consumers at the center of its work. That agency, the Consumer Financial Protection Bureau (CFPB), turns one year old on July 21, 2012. The CFPB, established as a centerpiece of the Wall Street Reform and Consumer Protection Act of 2010, is the first federal financial agency with only one job: protecting consumers. It has special responsibilities to protect seniors, military servicemembers and students. The CFPB is also tasked with ensuring fair lending and promoting financial education and literacy. The CFPB protects you no matter where you buy financial products—at a bank, at a credit union, at a mortgage company or a payday lender.

 

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Keeping Kids’ School Lunches Safe

For years, Wisconsin’s schoolchildren ate substandard chicken and beef—of such poor quality that fast-food chains wouldn’t even serve it. WISPIRG stood up for kids, and the USDA set stronger standards for school lunches.

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Result | Budget

Making Government More Transparent

WISPIRG advocacy led to the creation of a state website giving Wisconsin taxpayers easily accessible information about state expenditures, providing taxpayers with easily searchable, checkbook-level detail of state expenditures and detailed information about all state contracts.

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Report | WISPIRG Foundation | Consumer Protection, Financial Reform

Stop Payday Predators

Payday loans are among the most predatory forms of credit on the market. Though they are marketed as having “reasonable” fees or charges, typical interest rates exceed 300 percent. And because the payday lenders’ bottom line actually depends on borrowers’ inability to repay — most payday fees come from borrowers who take out more than 10 loans a year — they target people with low incomes and no other options.

> Keep Reading
Report | WISPIRG Education Fund | Consumer Protection

Trouble in Toyland 2015

For 30 years, the WISPIRG Foundation has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

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Report | WISPIRG Foundation | Consumer Protection

The Security Freeze

The first defense against any kind of identity theft is to be vigilant about protecting your personal information by taking steps like creating secure passwords, installing anti-virus and anti-malware software, and shredding personal documents. (See Appendix A for more tips on protecting your personal information.) However, if and when someone does steal enough of your information to commit identity theft, there is really only one type that you can stop before it happens: New account identity theft, where someone opens a new account in your name.

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Report | WISPIRG Foundation | Financial Reform

Mortgages and Mortgage Complaints

This is the sixth in a series of reports that review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints about mortgages, with the aim of uncovering patterns in the problems consumers are experiencing with mortgage originators and servicers.

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Report | WISPIRG | Budget, Transportation

Wisconsin’s Transportation Budget

As statewide transportation trends change and infrastructure throughout Wisconsin crumbles, demands on the state’s transportation budget are growing. The proposed 2015-17 biennial transportation budget recommends increasing bonding for transportation to a total of $1.3 billion for the next two years, while failing to address crucial transportation needs -- particularly at the local level. Wisconsin needs a more responsible alternative.

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Blog Post | Consumer Protection

As CFPB Escalates Drive Toward Protections, Study Finds CFPB Enforcement Works | Ed Mierzwinski

This month the CFPB issued its proposed rule prohibiting class action bans in small-print mandatory arbitration clauses; in June it is expected to release its high-cost small dollar lending (payday and auto title loan) proposed rule. Meanwhile, as CFPB's industry opponents hide behind astroturf front groups and Congressional opponents use backdoor attacks, a law professor has released a major report finding that "from its inception [in 2011] through 2015 the agency had a 122-and-0 track record in its publicly announced enforcement actions" and that 93% (over $10.5 billion) of funds recovered for consumers have been for deceptive practices -- "[f]ar from a novel legal theory."

> Keep Reading
Blog Post | Transportation

Why Is Our Infrastructure So Terrible? | Sean Doyle

America is facing a $1.4 trillion infrastructure funding crisis. This isn't some distant problem; it's already having a real effect on everyday Americans.

> Keep Reading
Blog Post | Transportation

Good Things Come to Those On Bikes | Sean Doyle

Pull the bike out of the closet, pump up those tires, and dust off the helmet because it's Bike to Work Week!

> Keep Reading
Blog Post | Consumer Protection

You might not know this about overdraft fees | Kathryn Lee

Did your bank sell you on the idea that it’s embarrassing for you to have your debit card declined for a $3 cup of coffee, and that you should pay them $35 each time for “overdraft protection”? Those big fees are what’s embarrassing. Unless you say yes to allow fees, you cannot be charged for over-drafting your debit card.

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Blog Post | Transportation

Don’t Believe the Hype – Millennials’ Transportation Habits Are Changing | Sean Doyle

Despite news stories claiming that Millennials are buying up cars at record rates, the reality is quite different. After adjusting previous studies to account for differences in the size of the generations measured, on a per-capita basis, Millennials are 29 percent less likely than members of Generation X to own a car.

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Priority Action

We're teaming up with big restaurant chains to stop the overuse of antibiotics on factory farms. Call on KFC to stop selling meat raised on routine antibiotics.

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