Georgia PIRG Ban Roundup & CFPB Homepage 2017

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Video Blog | Consumer Protection

Last Week Tonight with John Oliver: The retirement industry is a minefield -- but here’s the answer

In this week’s episode of “Last Week Tonight,” host John Oliver called out three main problems hurting consumers when it comes to retirement: First, financial advisers aren’t currently required to work in their clients’ best interest. Second, high fees compound over time. Third, actively managed investment funds aren’t the answer. 

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News Release | U.S.PIRG | Consumer Protection

Strong National Payday Rule Could Save Consumers Billions

Today, the Consumer Financial Protection Bureau (CFPB) released its draft high cost small dollar lending (payday and auto title) loan rule for public comment. 

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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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Blog Post | Transportation

A World Without Carbon Pollution – Closer Than You Might Think | John Olivieri

For many, a world without carbon pollution seems like a distant utopia. To some, this even seems unobtainable. The size and scope of the challenge before us can be daunting, yet, there is good news -- a world without carbon pollution is closer than you think.

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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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News Release | Transportation

New Report Shows Georgians Are Driving Less

Atlanta - Georgians have cut their per-person driving miles by nearly twelve percent since 2005, while the nation’s long term driving boom appears to have ended, according to a new report from the Georgia PIRG Education Fund. Georgia’s double-digit decline in driving rates is almost five percentage points above the national average. 

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News Release | Georgia PIRG | Consumer Protection

SENATE CONFIRMS CFPB DIRECTOR CORDRAY

Statement of Laura Murray, Georgia PIRG Program Associate, on the Senate Confirmation of Richard Cordray to Full Term as Consumer Financial Protection Bureau (CFPB) Director:

"Yesterday’s confirmation of Richard Cordray to head the CFPB for a full term is good news for consumers, and for firms that want to play fair in the financial marketplace. The CFPB was created to rein in the reckless Wall Street practices that blew up our economy almost five years ago. Big banks that rely on consumer tricks and schemes to make money have wanted to kill the CFPB ever since, and for good reason: The CFPB has been enforcing critical consumer protection laws, and already forced Capital One to return $140 million in unfair credit card fees to consumers.

Yesterday the Senate took a 71-29 Senate vote (60 votes needed) to end a possible filibuster, and Director Cordray was confirmed on a 66-34 (51 votes needed) vote."

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News Release | Georgia PIRG | Higher Ed

Interest Rates for 228,887 Student Loan Borrowers in Georgia Set to Double on July 1

Unless Congress acts, on July 1, the interest rate for 228,887 student loan borrowers in Georgia will double from 3.4 percent to 6.8 percent. According to an issue brief released today by Georgia PIRG, the rate increase translates into $880 more debt per student, per loan.

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News Release | Georgia PIRG | Tax

Offshore Tax Havens Cost Average Georgia Taxpayer $712 a Year, Georgia Small Business $1,963

ATLANTA, April 4 – With Tax Day approaching, it’s a good time to be reminded of where our tax dollars are going. Georgia PIRG released a new study today which revealed that the average Georgia taxpayer in 2012 would have to shoulder an extra $712 in taxes to make up for the revenue lost due to the use of offshore tax havens by corporations and wealthy individuals.

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State government ethics a work in (sort of) progress

As lawmakers continue debating ethics and transparency in Georgia government, with the hourglass emptying fast on the 2013 session, yet another independent nonprofit think tank has given the state a less than encouraging grade.

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Report | Georgia PIRG Education Fund | Democracy

Auctioning Democracy

Dēmos and U.S. PIRG Education Fund analysis of Federal Election Commission data on Super PACs from their advent in 2010 through the end of 2011 reveals the following:

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Report | Georgia PIRG | Safe Energy

Too Close To Home

Americans receive their drinking water from surface sources located within 50 miles of an active nuclear power plant —inside the boundary the Nuclear Regulatory Commission uses to assess risk to food and water supplies. 

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Report | Georgia PIRG Education Fund | Tax

Representation Without Taxation

Marking the second anniversary of the Supreme Court’s decision in the Citizens United vs. Federal Election Commission case—which opened the floodgates to corporate spending on elections—this report takes a hard look at the lobbying activities of profitable Fortune 500 companies that exploit loopholes and distort the tax code to avoid billions of dollars in taxes.

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Trouble in Toyland

The 2011 Trouble in Toyland report is our 26th annual survey of toy safety. In this report, we provide safety guidelines for consumers when purchasing toys for young children and provide examples of toys currently on store shelves that may pose potential safety hazards.

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Report | Georgia PIRG Education Fund | Transportation

Caution: Red Light Cameras Ahead

Privatized traffic law enforcement systems are spreading rapidly across the United States. As many as 700 local jurisdictions have entered into deals with for-profit companies to install camera systems at intersections and along roadways to encourage drivers to obey traffic signals and follow speed limits.

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Blog Post | Public Health, Food

Progress in 2015 and hope for the new year | Anya Vanecek

This was a big year for the fight to save antibiotics. Now we’re looking to the future and looking forward to continuing our efforts to stop the overuse of antibiotics in factory farming.

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Blog Post | Public Health, Food

All I want for Christmas is responsibly-raised meat. | Anya Vanecek

I don't want a lot for Christmas, there is just one thing I need...

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Blog Post | Public Health, Food

It keeps getting better | Steve Blackledge

By next summer, all of the chicken served on Papa John's pizzas and poppers will be raised without antibiotics. The pizza chain's announcement adds them to a growing list of restaurants that are helping to stop the overuse antibiotics on large industrial farms.

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Blog Post | Public Health, Food

Predictable Problems in the FDA Annual Report | Bill Wenzel

Not only did the FDA’s voluntary Guidance for Industry #213 not lower the sale and use of antibiotics for food-producing animals, these sales actually increased 4%.

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Blog Post | Financial Reform

House Committee Launches Trojan Horse Assault On State Privacy Laws | Ed Mierzwinski

This afternoon (Tuesday, 8 December), the U.S. House Financial Services Committee launches a massive attack on state privacy laws. Hidden inside a seemingly modest proposal to establish federal data breach notice requirements is a Trojan Horse provision designed to to take state consumer cops off the privacy beat, completely and forever. That's wrong, because the states have always been key first responders and leaders on privacy threats that Congress has ignored, from credit report accuracy and identity theft to data breaches and do-not-call lists.

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Priority Action

We're calling on big restaurant chains to stop the overuse of antibiotics on factory farms. Tell KFC to stop serving meat raised on routine antibiotics.

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