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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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News Release | U.S. PIRG | Consumer Protection

PIRG Commends Release of Labor Dept.'s Proposed Rule To End Conflicted Retirement Advice

PIRG today commended the public release of the Department of Labor’s proposed rule that would strengthen the ability for Americans to save for retirement by addressing conflicts of interest that arise when brokers and financial advisers give retirement advice. Wall Street will fight the rule hard, because it requires them to put consumers first.

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Blog Post | Consumer Protection

CFPB Begins Payday Regulation Push In Richmond | Ed Mierzwinski

We joined the CFPB in Richmond Thursday for a field hearing on a proposed rule to regulate payday lending and similar high-cost short-term loans. The CFPB's draft rule is comprehensive, covering a variety of loans, but it contains potential loopholes that we and other advocates will urge the bureau to close before it finalizes this important effort. Here's a short blog with some photos from Richmond.

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News Release | NJPIRG Law and Policy Center | Budget

NEW REPORT: New Jersey Receives "B" in Annual Report on Transparency of Government Spending

New Jersey received a “B” when it comes to government spending transparency, according to “Following the Money 2015: How the 50 States Rate in Providing Online Access to Government Spending Data,” the sixth annual report of its kind by the New Jersey Public Interest Research Group Law and Policy Center. New Jersey's grade improved since last year, jumping from a C+ to this year's B.

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Blog Post | Consumer Protection

CFPB Adds Consumer Stories to Public Complaint Database | Ed Mierzwinski

Today, the CFPB took a step to make its excellent public database of consumer complaints even better, by adding complaint narratives (stories), but only with the consumer's consent. It's a step we've long urged. It will enrich our research into the marketplace, help consumers make choices and help good-actor firms avoid bad practices by others.

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News Release | NJPIRG Law & Policy Center | Consumer Protection, Financial Reform

Report: Capital One Most-Complained-About Credit Card Company in NJ

New Jersey consumers file more complaints about Capital One than any other credit card company, according to a report released today by NJPIRG Law & Policy Center. The report, which looked at data from the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database, also found that New Jersey consumers are 5th most likely to file credit card complaints.

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News Release | NJPIRG | Consumer Protection, Financial Reform

New CFPB rules will protect homebuyers and homeowners

On Friday, January 10, new Consumer Financial Protection Bureau (CFPB) rules will go into effect that will help protect homeowners and homebuyers from the mortgage abuses that led to the housing crisis. In particular, consumers will get protections from lenders that make risky loans without checking a borrower’s income, assets, or ability to repay a loan. 

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News Release | NJPIRG Law & Policy Center | Transportation

Report Shows Newark/NYC Region Driving Less, Using Transit and Alternatives More

A first-of-its-kind report by the NJPIRG Law & Policy Center shows reduced driving miles and rates of car commuting in New Jersey’s urbanized areas—including the Newark/NYC and Philadelphia areas—and greater use of public transit and biking.

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News Release | NJPIRG Law & Policy Center | Public Health, Consumer Protection

Survey Finds Dangerous Toys on Store Shelves

Dangerous or toxic toys can still be found on America’s store shelves, according to the New Jersey Public Interest Research Group’s 28th annual Trouble in Toyland report.  The survey of hazardous toys found that despite recent progress, consumers must still be wary when shopping this holiday season.

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News Release | NJPIRG Law & Policy Center | Consumer Protection, Financial Reform

Report: In New Jersey, Experian Gets Big Complaints

A new report by NJPIRG Law & Policy Center found that the most complained-about credit reporting agency in New Jersey is Experian, and that New Jersey ranks 14th nationally in credit report complaints per 100,000 residents.

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Report | NJPIRG | Democracy

McCutcheon Money

This term, the Supreme Court is considering a challenge to aggregate contribution limits in a case called McCutcheon v. FEC. The current limit on what one person may contribute to all federal candidates, parties and PACs is $123,200. Absent this limit, one wealthy donor would be permitted to contribute more than $3.5 million to a single party’s candidates and party committees (plus a virtually unlimited amount to supportive PACs).

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Report | NJPIRG Law & Policy Center | Transportation

A New Way To Go

America is in the midst of a technological revolution … and a big shift in our transportation habits. Over the last 15 years, the Internet and mobile communications technologies have transformed the way Americans live and work.

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Big Banks, Big Complaints

 Executive Summary

The Consumer Financial Protection Bureau (CFPB) was established in 2010 in the wake of the worst financial crisis in decades. Its mission is to identify dangerous and unfair financial practices, to educate consumers about these practices, and to regulate the financial institutions that perpetuate them.

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Report | NJPIRG Law & Policy Center | Transportation

Moving Off the Road

After sixty years of almost constant increases in the annual number of miles Americans drive, since 2004 Americans have decreased their driving per-capita for eight years in a row. Driving miles per person are down especially sharply among Millennials, America’s largest generation that will increasingly dominate national transportation trends.

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