| by
Ed Mierzwinski
Senior Director, Federal Consumer Program

As the CFPB conducts a ten-year regulatory review of the Overdraft Rule established by the pre-CFPB regulators in 2010, the UK's Financial Conduct Authority has announced sweeping changes to address what it calls a "dysfunctional" overdraft market. The US system prohibits overdraft fees on debit and ATM transactions unless you opt-in to fee-based "standard overdraft protection," but the fees average over $32 per overdraft and CFPB has accused some banks of deceptive marketing of the service. Meanwhile, the UK's FCA is banning fixed fee overdrafts and requiring UK banks to treat overdrafts as loans subject to reasonable interest rates. We've asked CFPB to ban overdrafts on debit and ATM transactions.

 | by
Ed Mierzwinski
Senior Director, Federal Consumer Program

The media are reporting that efforts led by BigTech and BigPhone to push Congress to enact a self-serving umbrella privacy law on Capitol Hill are stalling. But that's only for now; they are still pushing hard. Pushback from legislators with stronger state laws is helping slow them down. So are the welcome efforts of civil rights colleagues to demand that digital and algorithmic decisions not discriminate. There's an important civil rights briefing later this afternoon on Capitol Hill. Learn more. 

Maryland and Maine are the first states in the U.S. to put a plastic foam container ban on the books, but other states aren't far behind.

When it comes to clean transportation, most U.S. states are underutilizing funds from Volkswagen’s nearly $3 billion settlement with federal authorities for violating emissions standards.

In most of the country, owning a car is all but required. And we're paying for it—to the tune of $1.2 trillion. This is putting the financial well-being of millions of Americans at risk, and NHPIRG and our national network are calling for change.

For the third time in 2019, a jury has determined there is enough evidence to hold Monsanto's Roundup culpable in causing someone's cancer.

Members of Congress hear repeatedly from lobbyists for corporate special interests in their offices and at fundraisers. How can consumer advocates balance the scales?

For all of us who rely on our roads and public transit, and our water, sewage and power systems, the agreement reached by President Trump and Democratic congressional leaders in May to commit $2 trillion to infrastructure should be good news.

 | by
Ed Mierzwinski
Senior Director, Federal Consumer Program

State PIRG staff from around the country joined over 120 consumer advocates at the third annual Consumer Lobby Day today. Meetings with members of Congress and their staffs focused on protecting the Consumer Financial Protection Bureau's structure and funding while also opposing its current leadership's attack on a payday lending regulation drafted by its past director and his team.

How can the country's third-largest burger chain help save the cornerstone of modern medicine? By buying only beef raised without the routine use of antibiotics.