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Blog Post | Consumer Protection

Court Rejects PIRG-Opposed Swipe Fee Settlement With Visa/Mastercard | Ed Mierzwinski

Today, a panel of the U.S. Court of Appeals for the Second Circuit threw out a preliminary $7.25 billion settlement between Visa and Mastercard and any merchant accepting credit cards (including U.S. PIRG), ruling that despite that seemingly massive payment for past practices that the settlement gave inadequate relief to merchants going forward, as it essentially immunized the networks for any future illegal conduct while providing mostly illusory benefits. Since we accept credit cards from our members, we, joined by Consumer Reports, had formally objected to the settlement as consumer advocates who also happen to be merchant class members (most merchant associations also objected).

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Blog Post | Consumer Protection

House Launches Frenzy of Attacks on CFPB, Public Protections | Ed Mierzwinski

Today and tomorrow the House floor showcases a variety of special-interest backed bills designed to eliminate public protections and weaken financial reform. Action starts soon with an attempt to override the President's veto of legislation to wipe away a new Department of Labor rule designed to protect hard-earned retirement savings from Wall Streeters seeking their "share" of your own share. Then, the House will consider the massive FSGG Appropriations bill, which rolls back the independence and authority of the CFPB and other financial reforms. Finally, they've teed up a bill to eliminate the Supreme Court's long-standing "Chevron doctrine," which says that courts must defer to expert agencies in certain circumstances. Without the doctrine in place, polluters and wrongdoers will have more opportunities to challenge public protections.

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Blog Post | Transportation

Clean Transportation Doesn’t Need To Be A Distant Utopia | John Olivieri

For many, when they think of combating global warming, they think of solar panels on rooftops and eliminating coal fired power plants. But, the truth is, there is not an effective solution to address global warming that does not deal with transportation as well.

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News Release | U.S. PIRG | Consumer Protection

Joint Statement Opposing Exceptions to CFPB Payday Rule

We've joined 10 other leading consumer, community, religious and civil rights organizations to oppose exemptions to a strong CFPB payday and auto title lending rule and to reiterate our opposition to an exception that has already been considered and rejected that would allow lenders to make longer-term installment loans without considering a borrower’s ability to repay so long as the payment did not exceed five percent of a borrowers’ income.

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News Release | U.S. PIRG | Financial Reform

Privacy, Consumer Groups Critical of Facial Recognition Report

We've joined leading privacy and consumer advocates in a news release sharply critical of a supposed "best-practices" report released today by the Telecommunications and Information Administration (NTIA) concerning privacy and facial recognition technology. While the report purports to be the product of a "multi-stakeholder" process, all the leading privacy and consumer stakeholders dropped out of the skewed proceedings many months ago, as the release explains. It concludes: "There is much more lacking in these “best practices,” but there is one good thing: this document helps to make the case for why we need to enact laws and regulations to protect our privacy."

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News Release | Georgia PIRG Education Fund and Demos | Democracy

New Report Shows Impact of Big Money in the 2012 Election

ATLANTAIt took just 32 billionaires and corporations, giving an average of $9.9 million apiece to Super PACs, to match every single dollar that small donors gave to the Romney and Obama campaigns, according to Billion Dollar Democracy, a new report by Georgia PIRG and Demos. Those small donations, which amounted to more than $313 million, came from more than 3.7 million individuals. 

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News Release | Georgia PIRG | Food

FDA Protects Public by Releasing Two Long-Delayed Food Safety Rules; Five Critical Rules Still Yet To Be Released

After a one-year delay, the FDA finally released two vital food safety rules that will help protect American consumers from unsafe and contaminated food. The proposed rules will improve the safety of produce and establish better preventative controls and practices in food manufacturing.

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News Release | Georgia PIRG Education Fund | Budget, Tax

Report Exposes How Taxpayers Bear Cost of Corporate Settlements

A new report spotlights a common practice where corporations that commit wrongdoing and agree to financial settlements with the federal government go on to claim such settlement payments as tax-deductible business expenses.

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News Release | Georgia PIRG | Tax

First Step to Avoid the Fiscal Cliff: Close Offshore Tax Loopholes

ATLANTA, December 6th – With Congress scrambling to agree on ways to reduce the deficit, Georgia PIRG pointed out a clear first step to avoid the “fiscal cliff”: closing offshore tax loopholes. Many of America’s largest corporations and wealthiest individuals use accounting gimmicks to shift profits made in America to offshore tax havens, where they pay little to no taxes. This tax avoidance costs the federal government $150 billion in tax revenue each year.  Georgia PIRG released new data illustrating the size of this loss with 16 dramatic ways $150 billion could be spent.

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News Release | Georgia PIRG Education Fund and Demos | Democracy

Post-Election Update--Distorted Democracy: Big Money and Dark Money in the 2012 Elections

A new analysis of data through Election Day from the Federal Election Commission (FEC) and other sources by Georgia PIRG Education Fund and Demos shows how big outside spenders drowned out small contributions in 2012: just 61 large donors to Super PACs giving on average $4.7 million each matched the $285.1 million in grassroots contributions from more than 1,425,500 small donors to presidential candidates.

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Report | Georgia PIRG Education Fund | Health Care

The Facts About Comparative Effectiveness Research

As Congressional and public debate over health care reform grows more intense, comparative effectiveness research (CER) has emerged as an unlikely flashpoint of controversy. Opponents’ claims that CER results in the rationing of health care or a government takeover are belied by the true nature of such research: it is simply fundamental scientific research of medical treatments aimed at determining the most effective ways to treat sickness and injury. It is the basis of all advancements in the field of medical science and has been used throughout history to improve medical treatment.

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Report | Georgia PIRG Education Fund | Health Care

Putting America Back to Work

As the national health reform debate begins in earnest, some pundits have suggested that America cannot afford to invest in health reform. The resounding response from political and thought leaders has been that America can't afford not to.

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Report | Georgia PIRG Education Fund | Democracy

Savings Dollars, Savings Democracy

The strong turnout of 2008 was only possible because millions of new voters were added to the rolls. This surge in voter registration occurred both as a result of extraordinary registration efforts by partisan campaigns, independent expenditure groups and non-partisan organizations, and because of the diligence of local officials in data-entering their information.

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Report | Georgia PIRG Education Fund | Tax

Tax Shell Game

Many of the largest corporations in our country hide profits made in the United States in offshore shell companies and sham headquarters in order to avoid paying billions in federal taxes. The result is massive losses in revenue for the U.S. Treasury – which ultimately must be made up by taxpayers.  The debt of a few is transferred to many – and to future generations. The U.S. Senate confirmed in the recently-passed fiscal year 2010 budget resolution that the use of offshore tax havens by large corporations “means that honest taxpayers face a higher burden.”   

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Report | Georgia PIRG Education Fund | Safe Energy

The High Cost of Nuclear Power

Nuclear power is among the most costly approaches to solving America’s energy problems. Per dollar of investment, clean energy solutions – such as energy efficiency and renewable resources – deliver far more energy than nuclear power. This fact has important implications for America’s energy policy. By directing resources toward the most cost-effective solutions, we can make greater progress toward a secure, reliable and safe supply of electricity to power America’s economy. 

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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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Blog Post | Financial Reform

The More I Hear About OPM Data Breach, The Less I Know, Except This: It's Bad | Ed Mierzwinski

Was it 4 million, 14 million or 18 million records breached (how many times) (likely) by Chinese hackers? Whose fault was it? The USOPM director says no one's. Really? Perhaps the worst data breach ever raises lots of questions, but I haven't heard any good answers. Federal employees, their families, their friends and their neighbors -- because all of them could be victims -- deserve better answers, just as they deserve better service than USOPM's credit monitoring provider is giving them.

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Blog Post | Consumer Protection

Hill Threats to CFPB Escalate As CFPB Protects Consumers, Servicemembers | Ed Mierzwinski

Today, the House Appropriations Committee, at the behest of both Wall Street and predatory lenders seeking to run amok, will vote to eliminate the CFPB's independence from the politicized appropriations process. Meanwhile, over at the CFPB, important work to protect consumers, including servicemembers, from unfair and predatory financial practices continues.

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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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Defend the CFPB

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