Consumer Tips

PROTECTING YOURSELF IN A COMPLEX MARKETPLACE — Our researchers and attorneys provide key tips for how you can get the best deal on health insurance, shop for the best bank, get the best car loan, protect against identity theft and more.

Protect Yourself

In today's marketplace, it takes a savvy, informed consumer to avoid common pitfalls and threats. Financial decisions in particular require assessing a blizzard of advertisements and navigating pages of jargon-laden fine print to make decisions about credit cards, bank accounts, loans, health insurance, and cell phone contracts, among other things.

It’s more important than ever to protect yourself:

  • Consumers who finance their cars through a dealership pay more than $25.8 billion in additional hidden interest over the lives of their loans.
  • In 2010, more than 8 million households were victims of identity theft, a 33 percent rise since 2005.
  • One out of 20 consumers has errors on their credit report significant enough to lead to higher rates on loans.
  • Banks made around $30 billion in overdraft fees in 2011. Adding insult to injury, these fees were pitched as “overdraft protection,” which most consumers would be better off without.

That's why the OSPIRG Foundation has compiled recommendations and resources for consumers. Our tip sheets address some of the most common complaints received by the Federal Trade Commission—read on, and protect yourself from becoming a statistic.

 
Note that these tips are not intended as, nor should they be construed as, legal advice. If you need legal advice dealing with a consumer problem, consult an attorney. 

Issue updates

What toys to avoid

Black Friday marks the day when the Christmas shopping frenzy officially

starts, and many will be looking for good deals on toys.

> Keep Reading

OSPIRG release "Trouble in Toyland" Report

As you shop for the kids in your life this holiday season, OSPIRG wants you to be careful of what types of toys you buy. The newest Trouble in Toyland report highlights four types of toys you should avoid: 

> Keep Reading
News Release | OSPIRG | Consumer Protection

Dangerous Toys on Store Shelves

Portland, Nov. 22 –Dangerous or toxic toys can still be found on America’s store shelves, according to Oregon Student Public Interest Research Group’s 26th annual Trouble in Toyland report.

> Keep Reading

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