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News Release | U.S. PIRG | Consumer Protection

PIRGs, Others Ask CFPB & FTC To Investigate Experian/T-Mobile Data Breach

In a letter sent today, a number of state PIRGs and other leading privacy and consumer groups urged the CFPB and FTC to fully investigate the recent breach of an Experian subsidary that exposed 15 million T-Mobile customer and applicant records to the threat of new account identity theft. The letter asked whether the regulators could require Experian and the other two nationwide credit bureaus -- TransUnion and Equifax -- to give victims free security freezes to protect their credit reports.

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Blog Post | Consumer Protection

As CFPB Advances Consumer Protection, Attacks on CFPB Escalate | Ed Mierzwinski

This week, the CFPB took a major step toward establishing a regulation restricting the use of forced arbitration clauses in consumer financial contracts, which give companies what the CFPB's director said was a "free pass from being held accountable by their customers." Meanwhile, on Capitol Hill, powerful bank interests escalated their campaign to defund and defang the bureau, because it works for consumers, not them.

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Blog Post | Consumer Protection

House holds stacked hearing to attack retirement savings rule proposal | Ed Mierzwinski

The House Financial Services Committee is holding a typically stacked hearing -- one consumer-side witness against four Wall Street-backed lobbyists  -- to attack the important retirement savings rule proposed by the Department of Labor. The rule simply requires retirement advisors to put the customer's needs  -- not their own compensation -- first.

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Blog Post | Consumer Protection

Court Reinstates Case Against Bank That Aided Senior Citizen Fraud | Ed Mierzwinski

This week, the 3rd Circuit, U.S. Court of Appeals overturned a lower court decision that had denied class action status to victims of a scheme targeting senior citizens who were suing Zions Bank and its payment processor affiliates for aiding the fraudsters. U.S. regulators led by the Department of Justice have been fighting this and similar schemes, yet powerful special interests have managed to create a false narrative in Washington, DC that has been picked up by opponents of consumer protection laws. They falsely claim that the government's target is "legitimate" payday lenders and gun dealers. Wrong, the target is financial crimes against consumers, many consumers.

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Blog Post | Consumer Protection

IRS Admits Data Breach Worse Than Thought, Will Congress Do Wrong Thing Anyway? | Ed Mierzwinski

This week, the IRS has admitted that thieves accessed the personal information -- enough to allow them to take your tax refund -- of an additional 220,000 taxpayers, on top of the 114,000 reported in May. Meanwhile, we remain  concerned that Congress will use continued publicity about the Target breach and other breaches as an excuse to pass dangerous data security legislation. Dangerous? Yes, because it would only protect against limited financial identity theft harms, but eliminate stronger state protections against the harms posed by the IRS breach, the health insurance breaches and the OPM breach.

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Media Hit | Democracy

NJPIRG Op-Ed: Reform needed to identify political campaign funders

With Election Day right around the corner, we should know who is funding our political campaigns. It’s getting harder and harder to tell which corporations are trying to buy our elections and our politicians.

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

Caution Ahead

A new research report released today outlines problems with the growing trend among cities to outsource traffic enforcement to red-light and speed camera vendors.

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News Release | NJPIRG | Health Care

Nationwide Study of New Health Exchanges Shows New Jersey How to Lower Costs For Consumers

Many states are creating health exchanges to deliver better value for consumers, and New Jersey should follow their lead, according to Making the Grade, a new report by NJPIRG.  Health exchanges are competitive marketplaces that can empower individuals and small businesses with better, more affordable options for coverage.  Under the federal health reform law, each state will have an exchange up and running in 2014.

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Media Hit | Budget, Tax

NJBIZ: High potential for abuse in N.J.'s incentives to developers

Efforts to promote commercial development has put New Jersey at high risk for misuse of tax revenue, and has created a growing trend in which cities borrow against future growth, according to a report released today by the New Jersey Public Interest Research Group.

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News Release | NJPIRG Law and Policy Center | Budget

New Report Shows That New Jersey Has High Risk for Misuse of Developer Subsidies

A new research report today shows that New Jersey is at high risk for misuse of tax revenue thanks to a problematic system of funding commercial development.  The report outlines problems with the growing trend among cities to borrow against future growth and divert tax revenues as a way to attract economic development. 

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