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

MASSPIRG’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 30 years, MASSPIRG’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 avoiding dangerous toys.

BIGGER BANKS, BIGGER FEES

In April, MASSPIRG 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.

PROTECTING YOUR SECURITY AFTER DATA BREACHES

Data breaches expose victims to serious personal and financial risks. Fortunately, there are steps consumers can take to protect themselves before and minimize the damage done after their personal information has been exposed. 

See all consumer resources.

Issue updates

News Release | MASSPIRG | Consumer Protection

New report: Hazardous Meat & Poultry Recalls Nearly Double

From E. coli-infected romaine lettuce to Salmonella-tainted beef, contaminated foods lead to illnesses that sicken as many as 1 in 6 Americans annually. In 2018, this epidemic helped spur major recalls, which caused stores and restaurants to toss millions of pounds of meat and produce.  MASSPIRG Education Fund’s new report How Safe is Our Food?, released today, reveals how fundamental flaws in our current food safety system have led to a jump in these recalls since 2013.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Fiat Chrysler Settlement Fails to Protect Consumers

While we are glad that Fiat Chrysler is paying something for damaging the health of Americans and deceiving customers, this settlement does not go far enough. It neither ensures these violations of the public trust won’t happen again nor makes consumers whole.

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News Release | MASSPIRG | Consumer Protection

MA Residents to Get New Consumer Protections

Massachusetts residents will get new consumer protections against identity theft under a new law, An Act Relative to Consumer Protection from Security Breaches, HB 4806,  just signed by Governor Baker.

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Blog Post | Consumer Protection

Legislature ends session with the passage of three key consumer protection bills | Deirdre Cummings

Legislature ends session with the passage of three key consumer protection bills

As the legislature wrapped up their 2017-18 session, they passed three important consumer protection bills. All the bills now are awaiting a final signature of Governor Baker who has 10 days to sign them or they fail to become law. Bills include: Consumer Protection from Security Breaches, An Act to Protect Children, Families and Firefighters from Harmful Flame Retardants, and Providing Equitable Coverage in Disability Insurance.    

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News Release | MASSPIRG | Consumer Protection

EVERSOURCE GRANTED HIGH PROFIT MARGINS, AUTOMATIC ANNUAL RATE INCREASES, AND DETRIMENTAL CHARGES FOR NEW SOLAR CUSTOMERS:

57 Consumer, Clean Energy, and Community Organizations Call on State Leaders to Address Counterproductive Decisions

 

 

 

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News Release | masspirg | Consumer Protection

MA House Passes Important Consumer Protection Bill

MA House passes bill to protect consumers from ID theft. Includes free credit freeze and thaw.

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CHAIRS UNABLE TO AGREE ON POPULAR EQUIFAX BILL

Committee drops the ball on key consumer issue.

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News Release | MASSPIRG | Consumer Protection

State House Committee Sides with Credit Bureaus over Consumers

Legislature fails to pass key consumer protection bill in wake of Equifax breach.

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News Release | MASSPIRG | Consumer Protection

MASSPIRG Urges Consumers to Get Free Credit Freeze by January 31st Deadline

Ahead of three changes to what Equifax is offering consumers following its breach of 145 million consumer records, MASSPIRG is urging Baystaters to get free credit freezes with Equifax by January 31st if they haven’t already.   

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Trouble In Toyland

The 2008 "Trouble In Toyland" report is the 23rd annual Public Interest Research Group (PIRG) survey of toy safety. This report provides safety guidelines for parents when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards. We visited toy stores and other retailers to find potentially dangerous toys and identify trends in toy safety. This year, we focused specifically on toys that contain lead and phthalates in our research.

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Course Correction

Textbooks are an essential but increasingly expensive part of obtaining a college degree. With students spending between $700 and $1,000 per year and prices rising faster than inflation, the need for a solution is increasingly urgent.

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Total Recall

Already more toys and children's products have been recalled in the first half of this year than in the first half of last year, a supposed "100-year-flood" period. Yet the remedial CPSC reform legislation passed overwhelmingly by both the House and Senate in response to that 2007 recall wave has yet to become law. It is stalled in conference committee, where both the toy and chemical industries seek to block, weaken or delay some of its most critical reforms.

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The Campus Credit Card Trap

Credit card lending is enormously profitable. According to annual Federal Reserve Board of Governors’ (FRB) Reports to Congress, it is the most profitable form of banking. But the credit card industry is saturated.

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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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Blog Post | Consumer Protection

Good news! CFPB Adding Consumer Ratings of Company Responses to Complaint Database | Ed Mierzwinski

The CFPB is making a good public consumer complaint database better. In 2015, the CFPB added optional consumer narratives, or stories, to its public consumer complaint database, giving other consumers, researchers and even other firms a new way to help study complaint patterns. Now, it will give consumers a chance to “rate the company’s handling of his or her complaint on a one-to-five scale and provide a narrative description in support of the rating.”

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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Blog Post | Consumer Protection

Delayed CFPB/Other Wall Street Reform Rollbacks Happening Today On House Floor | Ed Mierzwinski

Last month the House canceled floor consideration of the Financial Services and General Government Appropriations bill. FSGG is back on the floor today and tomorrow. We urge support of amendments to protect the Consumer Financial Protection Bureau (CFPB) but, since they won't pass, we urge a no vote on the bill. Here's an updated excerpt from my previous blog.

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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

If you've ever used a dating app, your data has likely been collected and shared across the Internet. How do dating - and other types of apps - use your data? Advocate R.J. Cross explains. 

News Release | U.S. PIRG

Consumer Financial Protection Bureau Director Kathy Kraninger submitted her resignation Wednesday soon after the inauguration of new President Joe Biden. Resignation opens seat for President Biden’s new nominee Rohit Chopra.

News Release | U.S. PIRG

President-elect Joe Biden announced Monday that he intends to nominate Rohit Chopra as Consumer Financial Protection Bureau (CFPB) director and Gary Gensler as chair of the Securities and Exchange Commission (SEC).

News Release | MASSPIRG

As part of the recently passed federal  government funding bill, President Donald Trump signed bipartisan legislation into law that will protect millions of consumers from outrageous surprise health bills from out-of-network providers. These unfair bills come from balance billing -- when out-of-network medical professionals charge you the difference between their fees and the maximum amount allowed by your insurance company.

News Release | MASSPIRG

MASSPIRG is calling on state Commissioner of Insurance Gary Anderson to review auto insurance rates, premiums and losses, and to require insurers to refund premiums out of their excess profits, which have soared during the COVID-19 pandemic.  

Consumer Protection

Auto Loan Complaints Rise

A review of complaints to the Consumer Financial Protection Bureau’s (CFPB) Consumer Complaint Database reveals a sharp spike in consumer complaints about auto purchasing, leasing and finance since the beginning of the pandemic.

 

Consumer Protection

MASSPIRG, Sen. Markey and other advocates call for air travel refunds

MASSPIRG, U.S. Sen. Ed Markey (Mass.), Consumer Reports and other public interest advocates are calling for airlines to return cash to travelers who canceled their plans due to COVID-19. The groups delivered nearly 250,000 petition signatures urging major airlines to provide full refunds for these cancellations.

 

Consumer Protection

Food recall failure

Most grocery store chains are not warning their customers about dangerous food recalls. Find out if your store makes the grade.

 

Consumer Protection

More than 165,000 life-threatening infant sleepers recalled

The U.S. Consumer Product Safety Commission (CPSC) announced on Jan. 29 that four companies have issued recalls for more than 165,000 inclined infant sleepers, which fail to meet the safe sleep guidelines recommended by the American Academy of Pediatrics. The CPSC's recall is an important step forward — we're continuing to urge manufacturers to stop producing these sleepers for good.

 
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