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Blog Post | Consumer Protection

Tetstimony on Private Passenger Motor Vehicle Insurance Rates | Deirdre Cummings

For the first time in over 30 years, insurance companies will be allowed to use discriminatory factors in selling auto insurance. While banning some of the most obviously unfair factors, the proposed regulations permit insurers to use many other factors that could harm low-income and minority drivers, including factors that act as proxies for the very factors that are banned. In order to protect against discrimination and to ensure that driving record is the primary factor insurers use in setting premiums and in underwriting, it is necessary to list expressly all the rating and underwriting factors that may be used by insurers.

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Consumers Guide to Credit Cards

The credit card industry has stepped up marketing and changed the rules to trap consumers into a cycle of high fees, penlaty, interest charges and other unfair practices. The following are tricks and tips to know to avoid credit card debt.

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Media Hit

The Republican - Plastic-bag era ending at local grocery stores

It is part of a growing consensus that the ubiquitous plastic bags, which all too often end up as roadside litter, can no longer be used with a clear conscience.

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Report | Budget, Tax

MASSPIRG's 5 Point Plan for Fair Tax and Budget Policy

Public money should be spent for the most effective pursuit of clear public benefits or to encourage beneficial behaviors undervalued by the market. Taxes should be fair, reliable, transparent, and guided by policy goals rather than political deals. Budgeting should similarly be open, accountable, and follow long-term planning.

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Blog Post | Consumer Protection

Testimony in Opposition to the "assigned risk plan" and in favor of permanently rescinding the adopted regulation | Deirdre Cummings

In addition, the Governor’s “study group” on auto insurance which issued a report on March 15, 2007, of which I was a participant, recommended that the assigned risk plan not be adopted until further review and evaluation of the new CAR rules aimed at improving the system. Specifically, the commission recommended, “ the Commissioner should delay implementing any assigned risk plan until able to meaningfully evaluate the results of the 2006 redistribution of exclusive (producers) agents and subsequent revisions to the Commonwealth Automobile Reinsurers rules.”

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Defend the CFPB

Tell your senators 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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