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Report | WISPIRG Foundation | Financial Reform

Predatory Loans & Predatory Loan Complaints

This is the seventh in a series of reports that review complaints to the CFPB. In this report we explore consumer complaints about predatory loans, categorized in the database as payday loans, installment loans, and auto title loans. This is our first report to incorporate an analysis of consumer narratives or written explanations of problems—an addition to the database we advocated for with Americans for Financial Reform and achieved last year.

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Blog Post | Public Health

Calling for Big Action on Antibiotics in the Big Apple | Steve Blackledge

Last week, we were in New York City, where the United Nations General Assembly spent an entire day discussing antibiotic resistance, “the biggest threat to modern medicine.” Experts estimate that more than 700,000 people worldwide die from antibiotic-resistant infections each year, including 23,000 in the United States—a number that could grow to 10 million globally by 2050.

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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 | Budget, Transportation

Community Forums this Fall: Transportation and Equity in Wisconsin | Peter Skopec

This fall, WISPIRG and our partners at the Sierra Club, 1000 Friends of Wisconsin and WISDOM are hosting a series of community events across Wisconsin. As state leaders begin to debate the future of transportation funding in Wisconsin, we'll explore the impacts of the transportation system on communities in our state and discuss the importance of investing in local priorities. Join us for an event near you by RSVPing at tinyurl.com/TranspoForumsWI!

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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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News Release | U.S. PIRG | Transportation

New House Transportation Bill Raises Serious Concerns

After many months of negotiation, today the House Transportation and Infrastructure Committee is sitting down to mark-up a new transportation authorization and funding bill, known as the Surface Transportation Reauthorization and Reform Act of 2015

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News Release | WISPIRG | Democracy

Testimony by WISPIRG Director Peter Skopec on Proposed Campaign Finance Deform, GAB Reorganization Bills

WISPIRG Director Peter Skopec provided the following testimony to joint legislative committee members today, who held a public hearing on the proposed gutting of Wisconsin’s campaign finance laws and the dismantling of the Government Accountability Board.

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News Release | U.S. PIRG | Consumer Protection

PIRGs, Others Ask CFPB & FTC To Investigate Experian/T-Mobile Data Breach

In a letter sent today, a number of state PIRGs and other leading privacy and consumer groups urged the CFPB and FTC to fully investigate the recent breach of an Experian subsidary that exposed 15 million T-Mobile customer and applicant records to the threat of new account identity theft. The letter asked whether the regulators could require Experian and the other two nationwide credit bureaus -- TransUnion and Equifax -- to give victims free security freezes to protect their credit reports.

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News Release | WISPIRG | Democracy

Wisconsin Needs the GAB

State legislators today introduced a bill that would dismantle the Government Accountability Board, the state’s non-partisan elections and ethics watchdog. If passed, it would have devastating results for good government and democracy in Wisconsin. 

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News Release | WISPIRG Foundation | Financial Reform

Top 10 List: How the CFPB Is Working for Consumers

The Consumer Financial Protection Bureau (CFPB) turns four years old on July 21. To celebrate and increase public awareness of the agency, WISPIRG Foundation has created a new webpage, “Meet the CFPB: Just Ten of the Ways It Works for You.”

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Report | WISPIRG Foundation | Transportation

Transportation in Transition

Americans’ transportation habits have changed. The average American drives 7.6 percent fewer miles today than when per-capita driving peaked in 2004. A review of data from the Federal Highway Administration, Federal Transit Administration and Census Bureau for America’s 100 most populous urbanized areas – which are home to over half of the nation’s population – shows that the decline in per-capita driving has taken place in a wide variety of regions.

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Report | WISPIRG Foundation | Consumer Protection

Trouble in Toyland

The 2013 Trouble in Toyland report is the 28th annual Wisconsin Public Interest Research Group (WISPIRG) survey of toy safety. In this report, WISPIRG 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.

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Report | WISPIRG 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.

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Report | WISPIRG Foundation | Food

Food Safety Scares 2013

This report offers a snapshot look, from October 2012 to October 2013, at multistate foodborne illness outbreaks identified by the Center for Disease Control and Prevention (CDC). Failures in the rules and processes that protect our food supply have led to numerous serious outbreaks over the past year that left many Americans sickened and at least 2 dead. The economic cost of just the multistate outbreaks caused by food products recalled over the past 12 months comes to more than $22 million.

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Report | WISPIRG Foundation | Financial Reform

Private Loans, Public Complaints

The Consumer Financial Protection Bureau (CFPB) was established in 2010 in the wake of the worst financial crisis in decades. Its mission is to identify dangerous and unfair financial practices, to educate consumers about these practices, and to regulate the financial institutions that perpetuate them.  This report is the second of several that will review complaints to the CFPB nationally and on a state-by-state level.

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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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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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Blog Post | Public Health

U.S. PIRG Testifies in Favor of Strong Chemical Plant Safety Rule | Carli Jensen

Earlier this month, the EPA formally proposed a long-awaited rule on chemical plant safety in response to an executive order issued in 2013 by President Obama, which called on several agencies, including the EPA to modernize their chemical plant safety rules. The new proposed rule triggered a 60-day public comment period, and with it, a public hearing in Washington, D.C., where Legislative Director Jerry Slominski gave the following statement for U.S. PIRG:

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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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