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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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Report | NJPIRG Law and Policy Center | Budget

Following the Money 2015

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Blog Post | Financial Reform

As NY Brings Credit Bureaus To Heel, CFPB Arbitration Study Paves Way Toward New Protections | Ed Mierzwinski

Two big consumer stories so far this week offer hope to consumers victimized by credit bureau errors and, more generally, by an inability to take credit bureaus, credit card companies, banks or payday lenders to court when harmed. On Monday, New York's Attorney General Eric Schneiderman signed a groundbreaking agreement with the Big Three credit bureaus, Equifax, Trans Union and Experian. Then today, the CFPB released a report finding that consumer legal rights are infringed by small-print forced arbitration clauses in credit card and other contracts.  The CFPB will hold a webcast public hearing at 11am Eastern time today (Tuesday) to discuss the report's findings and next steps.

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Media Hit | Financial Reform

Credit Bureaus’ Deal to Improve Accuracy ‘Huge’ for Consumers

(Bloomberg) -- Buying homes, getting jobs and borrowing money will be easier after an agreement by the three biggest U.S. consumer credit reporting services with New York.[...] “It’s a sea change in the way the credit bureaus treat complaints,” said [U.S. PIRG's Ed] Mierzwinski. “The credit bureaus have been run by computers for years now. They’re going to have to hire more people and actually verify that what a creditor said is true.”

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Blog Post | Financial Reform

Is Anyone Protecting Your Privacy Or Wallet? Turbotax? Anthem? Apple? The Government? | Ed Mierzwinski

As if recent privacy breaches at the online tax preparer Turbotax and the health insurer Anthem weren't enough, it turns out that low-tech hacks can trick the vaunted Apple Pay system into giving up cash to thieves, too. Meanwhile, while the administration's blueprint for a Privacy Bill of Rights in 2012 was excellent, its new legislative draft from the Department of Commerce could have been written by the U.S. Chamber of Commerce. There is some good news on privacy, though.

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Media Hit | Health Care

Times of Trenton: Health-care act anniversary brings gift to small business

Over the coming months, New Jersey small-business owners and consumers should be excited about the implementation of health-care reform, including two cost-saving provisions: small-business tax credits and the statewide health insurance exchange.

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News Release | NJPIRG Law and Policy Center | Budget, Democracy

New Jersey Earns "C+" in Annual Report on Transparency of Government Spending

New Jersey got a “C+” when it comes to openness about government spending, according to Following the Money 2011: How the States Rank on Providing Online Access to Government Spending Data, the second annual report of its kind by the New Jersey Public Interest Research Group (NJPIRG).  Included with the report is aninteractive online tool that allows users to view what New Jersey is doing best and worst compared to other states’ transparency practices.

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Media Hit | Health Care

The Princeton Packet: Health Care Repeal Would Be Costly For New Jersey

In last week's State of the Union, President Barack Obama made it clear that he intends to continue with his health reform agenda. His opposition will no doubt continue to push for repeal. But are repeal proponents standing up for consumers, or are they standing up for the health insurance industry?

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News Release | NJPIRG Law and Policy Center | Health Care

Health Care Repeal Would Have Costly Consequences for New Jersey Consumers and Small Businesses

Consumers and small businesses in New Jersey will face significantly higher insurance premiums and could see costly coverage denials and price discrimination if efforts to repeal the federal health care law prevail in Congress or in the courts, according to The Cost of Repeal: Examining the Impact on New Jersey of Repealing the New Federal Health Care Law, a new report released today by NJPIRG. 

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