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Blog Post | Financial Reform

The More I Hear About OPM Data Breach, The Less I Know, Except This: It's Bad | Ed Mierzwinski

Was it 4 million, 14 million or 18 million records breached (how many times) (likely) by Chinese hackers? Whose fault was it? The USOPM director says no one's. Really? Perhaps the worst data breach ever raises lots of questions, but I haven't heard any good answers. Federal employees, their families, their friends and their neighbors -- because all of them could be victims -- deserve better answers, just as they deserve better service than USOPM's credit monitoring provider is giving them.

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Blog Post | Consumer Protection

Hill Threats to CFPB Escalate As CFPB Protects Consumers, Servicemembers | Ed Mierzwinski

Today, the House Appropriations Committee, at the behest of both Wall Street and predatory lenders seeking to run amok, will vote to eliminate the CFPB's independence from the politicized appropriations process. Meanwhile, over at the CFPB, important work to protect consumers, including servicemembers, from unfair and predatory financial practices continues.

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Blog Post | Consumer Protection

Data Breach Here, Data Breach There, Data Breach Everywhere! | Ed Mierzwinski

UPDATED 10 June Re DHS Breach: If you shop with plastic, have health insurance, pay taxes, work for the federal government, or (fill in blank) you’re at risk of a data breach. And with so much information about you already available on the Internet, it’s best not to select easy-search security questions like “Where were you born?” or answers like “Pizza.” What’s your best defense against identity theft? No, it isn’t credit monitoring, it’s a security freeze.

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How Companies Turn Your Facebook Activity Into a Credit Score

This story in The Nation explains our work challenging the way data brokers use "black box," or secret, algorithms to make scoring decisions that may violate the law and deny credit opportunities. This work was also the subject of our recent livestream event featuring Professor Frank Pasquale and his new book, "The Black Box Society." We've now posted an archive of that event, in 3 chapters on our Youtube page.

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Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

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Pages

Blog Post

On Monday, the U.S. House approved H.R. 5332, the Protecting Your Credit Score Act of 2020 (Gottheimer-NJ). U.S. PIRG joined other leading advocates of credit reporting reform in a support letter to the House last week. The bill takes a number of steps to make it easier to fix credit reporting errors.

Blog Post

As of today, consumer complaints to the CFPB set a third straight monthly record in May, with 35,093 complaints reported. Complaints about credit reporting lead by far, followed by debt collection, credit card and mortgage complaints. Job and income losses during the pandemic are hitting families hard.

Blog Post

Public health experts are starting to draw actionable lessons about the nature of how COVID-19 spreads. In addition to maintaining best practices –physical distancing, mask wearing and hand washing – it’s best to avoid extended, crowded indoor gatherings.

Blog Post

I’ve been reading the CFPB’s mail. It’s okay, you can too. It’s public. Not surprisingly, the latest CFPB consumer complaints paint a grim picture of the pandemic’s effect on family finances. I ask: Why isn’t the CFPB doing more to help struggling consumers?

Blog Post

Mortgage servicers failed Americans during the last recession. And if early data from the Consumer Financial Protection Bureau is any indication, history may well be on its way to repeating.

Public Health

Responding to the COVID crisis

In light of the COVID-19 pandemic, now more than ever, we need to work together to ensure that our government has a coordinated, strategic response to safeguard the public’s health, protect consumers from emerging dangers and ensure people can still participate fully in our democracy.

 

Public Health

EPA fails to regulate drinking water contaminant

The U.S. Environmental Protection Agency has announced that it is rolling back regulations of perchlorate, a harmful chemical found in rocket fuel. Perchlorate is linked to thyroid damage and can impact the health of newborns and children.

 

Democracy

States should start preparing for November voting now

You shouldn't have to choose between casting your ballot and risking your health. U.S. PIRG is calling on states to start preparing for the November election now by expanding their vote-by-mail options, and by planning for sanitized and socially distant polling places.

 

Consumer Protection

PIRG joins litigation challenging the CFPB's Taskforce on Federal Consumer Financial Law

Created to "harmonize and modernize federal consumer financial laws," the Consumer Financial Protection Bureau's task force has failed to provide adequate transparency, and is comprised of industry-aligned members to the exclusion of consumer advocates.

 

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