Consumer Protection

PROTECTING CONSUMER SAFETY—Toys should not be toxic or dangerous for children to play with. Our food should not make us sick. The terms for banking and credit accounts should be clear and easy to understand.

LOOKING OUT FOR CONSUMERS

WashPIRG’s consumer program works to alert the public to hidden dangers and scams and to ban anti-consumer practices and unsafe products.

TROUBLE IN TOYLAND

For 28 years, WashPIRG’s "Trouble In Toyland" report has surveyed store shelves and identified choking hazards, noise hazards and other dangers. Our report has led to at least 150 recalls and other regulatory actions over the years.

Get our tips for buying safer toys.

BIGGER BANKS, BIGGER FEES

In April, WashPIRG released a report in which we surveyed more than 350 bank branches and revealed that fewer than half of branches obeyed their legal duty to fully disclose fees to prospective customers, while one in four provided no fee information at all. We also found that despite widespread stories about the “death” of free checking, free and low-cost checking choices are still widely available, if consumers shop around.

Find out how to beat high bank fees.

SEE ALL CONSUMER RESOURCES

Issue updates

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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Protecting Washingtonians from toxic chemicals

Despite a variety of safer alternatives, toxic flame retardants are still used in many products. Thanks to the support of members like you, WashPIRG helped pass a bill through both houses of the legislature to ban five toxic flame retardants in the state. It also gives the Washington Department of Health the authority to ban other harmful flame retardants used in furniture and children’s products.

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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 | WashPIRG Foundation | Consumer Protection

New Report Identifies Banks Consumers Complain About Most

Thousands of Americans are using the Consumer Financial Protection Bureau’s public Consumer Complaints Database to settle disputes with their banks, according to a new report from the WashPIRG Foundation. The report highlights banks that generated the most complaints through their various banking services in each state.

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News Release | WashPIRG | Consumer Protection

Senate Confirms CFPB Director Cordray

Today’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.

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News Release | WashPIRG Foundation | Consumer Protection, Financial Reform

New Survey Shows Free Checking Widely Available At Small Banks But Banks Still Hiding Fees from Consumers

A survey of hundreds of banks and credit unions in 24 states and the District of Columbia found that free checking remains available at more than 6 out of 10 small banks and credit unions but was only found at one-quarter of surveyed big banks (those with over $10 billion in deposits). The survey released today by the WashPIRG Foundation also revealed that fewer than half of branches surveyed obeyed their legal duty to fully disclose fees to prospective customers on the first request, while 12% provided no fee information at all.

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News Release | WashPIRG | Consumer Protection

Senators face important vote on whether or not to protect consumers

In July, the landmark Consumer Financial Protection Bureau (CFPB) took over as the nation’s first federal financial agency with only one job, protecting consumers. But until it gets a Senate-confirmed director, its powers, especially over payday lenders and other non-banks, are limited.

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News Release | WashPIRG | Consumer Protection, Financial Reform

WashPIRG Statement of Support for Confirmation of Richard Cordray as Director of CFPB

On Tuesday, Sept. 6 the US Senate is set to begin hearings on the confirmation of President Obama’s choice of Richard Cordray as Director of the Consumer Financial Protection Bureau, and The Washington Public Interest Research Group (WashPIRG) is calling on Senators Patty Murray and Maria Cantwell for their support of this outstanding nominee. 

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Blog Post | Consumer Protection

The CFPB is now taking your credit bureau complaints | Ed Mierzwinski

Excellent news! The CFPB is now taking your complaints about credit bureaus and credit reports.

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