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News Release | Consumer Protection

Yahoo Data Breach Presents Opportunity for Strong Response

Statement by Mike Litt at the U.S. PIRG Education Fund, on the latest announced Yahoo data breach.

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News Release | U.S. PIRG | Financial Reform

Overdrafts continue to hit students hard on campus

Today, the Consumer Financial Protection Bureau (CFPB) released a report shining a spotlight on contracts between banks and colleges to promote debit cards on campus.  Students continue to get hit hard with overdraft fees attached to their campus bank accounts. According to the report, nearly one in ten consumers in the population with student accounts incurred 10 or more  overdrafts per year, paying, on average, $196 in overdraft fees alone. Below is a detailed analysis by US. PIRG's Chris Lindstrom, who championed the protections that the CFPB is reporting on. This report is one more example of why we need a strong CFPB. 

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News Release | OSPIRG Foundation | Tax

OFFSHORE TAX HAVENS COST AVERAGE OREGON SMALL BUSINESS $5,162.12 A YEAR

Small businesses in Oregon would have to shoulder an extra $5,162.12 in taxes to make up for the revenue lost due to the abuse of offshore tax havens by multinational corporations, according to a new report by OSPIRG. As a new administration takes office and the possibility of tax reform again enters the national conversation, the report highlights how it’s small domestic businesses and ordinary Americans that have to shoulder the burden of multinational tax avoidance.

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Report | OSPIRG | Tax

Picking Up the Tab

Every year, corporations and wealthy individuals use complicated gimmicks to shift U.S. earnings to subsidiaries in offshore tax havens – countries with minimal or no taxes – in order to reduce their federal and state income tax liability by billions of dollars. While tax haven abusers benefit from America’s markets, public infrastructure, educated workforce, security and rule of law – all supported in one way or another by tax dollars – they avoid paying their fair share for these benefits. 

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News Release | U.S. PIRG | Consumer Protection

Consumer Advocates Concerned By Court Ruling Overturning Ban on High-Powered Magnets

We've joined leading consumer and pediatrician organizations in a joint news release with a sharp critique of a U.S. appellate court decision overturning a U.S. Consumer Product Safety Commission ban on the sale of high-powered small magnets (some as small as BBs) that pose a severe ingestion problem for children and youth. As our Trouble In Toyland report released on November 22 pointed out: "Nearly 80 percent of high-powered magnet ingestions require invasive medical intervention, either through an endoscopy, surgery, or both. In comparison, only 10 to 20 percent of other foreign body ingestions require endoscopic intervention and almost none require surgery."

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News Release | U.S.PIRG | Consumer Protection

Strong National Payday Rule Could Save Consumers Billions

Today, the Consumer Financial Protection Bureau (CFPB) released its draft high cost small dollar lending (payday and auto title) loan rule for public comment. 

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LATimes: Obama's consumer protection legacy defined by aggressive agency

[This weekend, the Los Angele Times chronicled President Obama's consumer protection record, with heavy emphasis on the history and fight over the Consumer Financial Protection Bureau (CFPB):]

"[...] Launched in the wake of the 2008 financial crisis, the bureau is one of President Obama’s signature accomplishments. [...] “I think you have to consider him a tremendous president for consumers,” said Ed Mierzwinski, consumer program director at the U.S. Public Interest Research Group."

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay, Transportation

Framework for VW Settlement Announced

Statement by Mike Litt, Consumer Program Advocate at U.S. PIRG Education Fund, on todays announced VW settlement. For more details on what a strong settlement agreement ought to look like, please see the open letter that we released earlier this week with other consumer and environmental groups.

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News Release | OSPIRG | Public Health

TACO BELL MOVES AWAY FROM CHICKEN RAISED ON MEDICALLY IMPORTANT ANTIBIOTICS

Taco Bell will no longer serve chicken raised on medically important antibiotics in U.S. locations starting in 2017, but KFC still appears to lag.

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News Release | U.S.PIRG Education Fund | Consumer Protection, Make VW Pay

Leading Groups Send Criteria for Evaluating VW Settlement

Four leading consumer, environmental, and public health organizations wrote an open letter in advance of the April 21st deadline set by U.S. District Judge Charles R. Breyer for a proposal that deals with Volkswagen’s emission scandal.

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Result | Health Care

Young People Now Covered

This year, the federal health care reforms that OSPIRG worked to win have started to pay off for young people. In the past, teens saw their premiums soar or were denied coverage when they turned 19, even if they’d been insured their whole lives. Now, they can remain on their parents’ plans until age 26. 

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Plan to cut health care waste moves ahead in Oregon

Members of the Oregon Health Policy Board approved a plan to cut health care administrative waste and save Oregonians $100 million per year in the process.

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Wasteful student lender subsidies cut. Winner: students.

Congress finally ended wasteful subsidies to student lenders that diverted billions of dollars annually away from helping more students go to college.

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Result | Democracy

Oregon Voter Registration enters the 21st Century

Voter Registration enters the 21st Century in Oregon with Governor Kulongoski's signing of the Online Voter Registration Act today.

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Result | Budget, Democracy, Tax

Google Government Coming to Oregon

The Oregon Legislature gave final approval to HB 2500 this morning, which sets up a one-stop website for taxpayer spending.

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Report | OSPIRG Foundation and Citizens for Tax Justice | Tax

OFFSHORE SHELL GAMES 2015

U.S.-based multinational corporations are allowed to play by a different set of rules than small and domestic businesses or individuals when it comes to the tax code. Rather than paying their full share, many multinational corporations use accounting tricks to pretend for tax purposes that a substantial portion of their profits are generated in offshore tax havens, countries with minimal or no taxes where a company’s presence may be as little as a mailbox. Multinational corporations’ use of tax havens allows them to avoid an estimated $90 billion in federal income taxes each year.

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Report | OSPIRG Foundation | Democracy

BOOSTING THE IMPACT OF SMALL DONORS

Candidates in the 2016 presidential race would see a dramatic shift in their fundraising, and have a powerful incentive to focus more on small donors under a proposed small donor public financing system, according to a new study released by OSPIRG Foundation.

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Report | OSPIRG | Democracy

FIGHTING BIG MONEY, EMPOWERING PEOPLE

Steps the next President of the United States can take to get big money out of politics and restore the health of our democracy.

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Report | OSPIRG Foundation | Health Care

Comments on PacificSource Health Plan's proposal to raise individual health insurance rates

PacificSource Health Plan members with individual health insurance plans will see rate hikes of 42.7% on average, and as high as 60.4%, if the premium rate hike proposed by PacificSource goes forward. PacificSource’s increase is the largest proposed by a major health insurance carrier in Oregon’s individual market since 2010, when new rules heightening scrutiny of health insurance rates were implemented.

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Report | OSPIRG Foundation | Health Care

Comments on Regence BlueCross BlueShield of Oregon's proposal to raise individual health insurance rates

Regence BlueCross BlueShield’s membership of more than 24,000 Oregonians with individual health insurance plans will see rate hikes of 12.3% on average, if the premium rate hike proposed by Regence goes forward. Some Regence members in transitional plans that will be discontinued at the end of the current year, which do not include the consumer protections of the federal health reform law, may see increases of up to 235% if they stick with Regence.

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Blog Post | Health Care

Oregon awarded a “B” on health care price transparency—but the state is still failing consumers | Jesse Ellis O'Brien

OSPIRG has been pushing for years to increase access to accurate, actionable health care price information for Oregon consumers. So you’d think we would be celebrating when a national scorecard from the transparency advocates at Catalyst for Payment Reform recently gave Oregon a “B” rating—up from an “F” in every prior year—for progress toward making price information more widely available. Unfortunately, there’s much less here than meets the eye.

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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 | Consumer Protection

House Launches Frenzy of Attacks on CFPB, Public Protections | Ed Mierzwinski

Today and tomorrow the House floor showcases a variety of special-interest backed bills designed to eliminate public protections and weaken financial reform. Action starts soon with an attempt to override the President's veto of legislation to wipe away a new Department of Labor rule designed to protect hard-earned retirement savings from Wall Streeters seeking their "share" of your own share. Then, the House will consider the massive FSGG Appropriations bill, which rolls back the independence and authority of the CFPB and other financial reforms. Finally, they've teed up a bill to eliminate the Supreme Court's long-standing "Chevron doctrine," which says that courts must defer to expert agencies in certain circumstances. Without the doctrine in place, polluters and wrongdoers will have more opportunities to challenge public protections.

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