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Blog Post | Consumer Protection

What is payday lending? | Kathryn Lee

We are a leading member of Americans for Financial Reform, a coalition that was instrumental in the creation of the Consumer Financial Protection Bureau (CFPB) by Congress in 2010. The CFPB is currently working on a rule to reign in the payday lending industry. We, along with AFR, are working to make sure the rule is a strong one. 

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Blog Post | Consumer Protection

Lowering your APR might be easier than you think | Kathryn Lee

Many Americans are walking around with a balance on their credit card because of high interest rates, or annual percentage rate (APR) charges for unpaid balances. It's best to pay off your balance in full but if you don't or can't, a higher APR makes your debit grow faster. What most people don’t realize is this APR can be negotiated to a lower rate.

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Blog Post | Transportation

Owning Fewer Cars Isn’t Just For Millennials | Sean Doyle

New transportation options are making it easier for people to use transit more, own fewer cars, and even save money on transportation.

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Blog Post | Financial Reform

We oppose latest effort to weaken CFPB, other bank regulators | Ed Mierzwinski

Today, the House Financial Services Committee holds its latest cattle-call markup of a package of industry-backed bills designed to weaken consumer, taxpayer, depositor and investor protections. We've signed a letter opposing the so-called TAILOR (Taking Account of Institutions with Low Operation Risk) Act, which piles redundant requirements onto the Consumer Financial Protection Bureau and other regulators to do what they already do by existing law--treat small banks and credit unions differently than mega-banks. Also, the PIRG-backed Americans for Financial Reform sent up a letter opposing the TAILOR Act and 6 more of the 10 bills on the agenda because they are designed to weaken consumer, taxpayer, depositor and investor protections.

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News Release | U.S. PIRG | Consumer Protection, Financial Reform

More Than 100 Groups Insist on No Riders in Spending Legislation

The day before the White House is expected to release its fiscal year 2017 budget proposal, a coalition of more than 100 groups, including U.S. PIRG, sent a letter calling on President Barack Obama and all 535 members of Congress to oppose any federal appropriations bill that contains ideological policy riders.

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Media Hit | Tax

Corporate wrongdoing should not be tax deductible

Although we seem to generally be on the road to economic recovery — my blood still boils when I think about the role big banks played in the mortgage crisis that drove our economy to the brink of collapse. It boils a little more when I remember the record profits they enjoyed afterwards, and the multibillion dollar bonuses they doled out after benefiting from a taxpayer bailout.

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News Release | Iowa PIRG Ed Fund | Tax

Offshore Tax Dodging Blows a $260 Million Hole in Iowa’s Budget

In the midst of debates over Iowa’s budget, Iowa PIRG Ed Fund released a new study revealing that Iowa lost $260 million due to offshore tax dodging in 2012. Many of America’s wealthiest individuals and largest corporations, including 83 of the 100 largest publicly traded companies, use tax loopholes to shift profits made in the United States to offshore tax havens, where they pay little to no taxes.

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News Release | Iowa PIRG Education Fund | Democracy

Secretive, Out of State Donors Dominate Election in Iowa

Over 96% of campaign donations for Iowa’s Congressional races came from out of state funders, according to a report released today by the Iowa Public Interest Research Group (Iowa PIRG). The report, entitled, “Billion Dollar Democracy: The Unprecedented Role of Money in the 2012 Elections,” examined the deep pocket spending by Super PACs and other non-party entities in the 2012 campaign cycle.

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News Release | Iowa PIRG Education Fund | Tax

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

With Congress scrambling to agree on ways to reduce the deficit, U.S. PIRG released a new analysis pointing 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 an estimated $150 billion in tax revenue each year.  U.S. PIRG’s new data illustrates the size of this loss with 16 dramatic ways $150 billion could be spent.

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Group tests 200 top toys, says dozen could be dangerous

A Dora the Explorer guitar, dragster cars with small wheels and finger-fidget desktop magnets are among the toys consumer advocates are warning about as the holiday buying season begins.

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Report | Iowa PIRG Education Fund | Consumer Protection

Bigger Banks, Bigger Fees

We conducted inquiries at 250 banks and 116 credit union branches in 17 states and the District of Columbia and reviews banks fees online in order to determine whether or not banks are complying with the Truth and Savings Act - which requires disclosure of account fees to prospective customers. 

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Report | Iowa PIRG Education Fund and Demos | Democracy

Megaphones for Millionaires: A Post-Election Analysis of Outside Spending in 2012

A new analysis of data through Election Day from the Federal Election Commission (FEC) and other sources by Iowa PIRG 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 the major party presidential candidates.

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Report | Iowa PIRG Education Fund | Food

Total Food Recall

Over the past few years, Americans have grown accustomed to seeing headlines about tainted food being recalled and pulled off of store shelves.  These high-profile recalls leave many Americans wondering whether enough is being done to reduce the risk of contaminated food and foodborne illness.

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Report | Iowa PIRG Education Fund and Demos | Democracy

Million-Dollar Megaphones

Although each major party presidential candidate will likely break previous fundraising records, the big story of the 2012 election has been the role of Super PACs, nonprofits and outside spending generally.

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Report | Iowa PIRG Education Fund | Tax

Picking Up the Tab

Some U.S.-based multinational firms or individuals avoid paying U.S. taxes by transferring their earnings to tax haven countries with minimal or no taxes. These tax haven users benefit from their access to America’s markets, workforce, infrastructure and security; but they pay little or nothing for it—violating the basic fairness of the tax system and forcing other taxpayers to pick up the tab.

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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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Blog Post | Public Health

The Phantom, and Other Menaces | Anya Vanecek

In the midst of warnings that the post-antibiotic era is quickly approaching, we see evidence that it has already arrived.

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Blog Post | Transportation

Pulling a FAST one on our Transportation Future | Sean Doyle

For the first time in a decade, and after roughly three dozen short-term extensions, Congress has pulled together and passed a transportation-funding law lasting longer than two years. There is only one problem: the new law is the wrong deal for the country.

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Blog Post | Public Health

Not-so-secret-Santas in Congress Using Spending Bill To Roll Back Health, Safety, Wallet Protections | Ed Mierzwinski

With spending authorization for the federal government set to end on December 11, Congressional leaders are working with powerful special interests on their not-so-Secret-Santa lists to use spending bills as vehicles to gut health, safety and wallet protections popular with the general public but not with Wall Street or the U.S. Chamber of Commerce. They know they cannot win a fair fight. So they’re loading up the must-pass funding bill with so-called “riders,” which are unrelated policies that couldn’t get passed on their own. Everything we fought for in Wall Street reform, including the CFPB, is on the chopping block. So are many other PIRG health, safety, wallet and democracy priorities.

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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