Reports

Report | NJPIRG Law and Policy Center | Tax

Tax Shell Game

Tax havens are countries with minimal or no taxes, to which U.S.-based multinational firms or individuals transfer their earnings to avoid paying taxes in the United States. Users of tax havens benefit from access to America’s markets, workforce, infrastructure and security, but pay little or nothing for it—violating the basic fairness of the tax system. Abuse of tax havens inflicts a price on other American taxpayers, who must pay higher taxes—now or in the future—to cover the government’s revenue shortfall, or must deal with cuts in government services. The United States loses approximately $100 billion in tax revenues every year due to corporations and individuals sending their money to offshore tax havens.

Report | NJPIRG Law and Policy Center | Consumer Protection, Financial Reform

Big Banks, Bigger Fees

PIRG staff conducted inquiries at 392 bank branches in 21 states and reviewed bank fees online in 12 others. This report, “Big Banks, Bigger Fees: A National Survey of Bank Fees and Fee Disclosure Policies,” examines the following questions: 
- How easy is it for consumers to shop around? 
- Can consumers still find free or low-cost checking accounts or has free checking ended? 
- What can the new Consumer Financial Protection Bureau (CFPB) do to help improve transparency in the financial marketplace, an important goal as consumers seek to make ends meet in response to the lingering recession?

Report | NJPIRG Law and Policy Center | Consumer Protection

Growing Up Toxic

A growing body of scientific evidence shows that the widespread use of chemicals in our society harms our health and the health of our children. The incidence of many serious health problems – including premature birth, learning disabilities, behavioral disorders, asthma and allergies, early puberty, obesity, diabetes, reduced fertility, and some types of cancer – shows links with exposure to chemicals that can interfere with the process of growth and development.

Report | NJPIRG Law and Policy Center | Budget, Democracy

Following the Money 2011

The ability to see how government uses the public purse is fundamental to democracy. Transparency in government spending checks corruption, bolsters public confidence, and promotes fiscal responsibility.  This report is the second annual ranking of states’ progress toward new standards of comprehensive, one-stop, one-click budget accountability and accessibility.

Report | NJPIRG Law and Policy Center | Health Care

The Cost of Repeal

On March 23, 2010, after a long congressional debate, President Barack Obama signed into law comprehensive federal health care reform legislation, known as the Affordable Care Act or ACA. But the enactment of the law did not end the debate. Even the law’s strongest proponents acknowledge the need for improvements. And across the country, state legislators and Governors have been urged to slow or stop work on implementation of key provisions. The courts are considering legal challenges to the law. Members of Congress will consider attempts to repeal both the law as a whole and its key provisions. This report examines the costs and benefits of repeal for the nation’s consumers, and businesses.

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