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The Consumer Financial Protection Bureau (CFPB) was established in 2010 in the wake of the worst financial crisis in decades. Its mission is to identify dangerous and unfair financial practices, to educate consumers about these practices, and to regulate the financial institutions that perpetuate them. This is the fifth in a series of reports that review complaints to the CFPB nationally and on a state-by-state level. In this report we explore consumer complaints about debt collection, with the aim of uncovering patterns in the problems consumers are experiencing with debt collectors and documenting the role of the CFPB in helping consumers successfully resolve their complaints.
Although North Carolina has been a national solar leader, one of the state's biggest, largely untapped potential markets for solar power is large commercial buildings, such as "big box" retail stores, supercenters and shopping malls. Tapping into this solar resource to boost North Carolina’s solar capacity can have substantial benefits for the state’s environment, public health and economy. Solar on Superstores quantifies the solar power potential of North Carolina's commercial buildings and argues for strong solar policies that can help the state take advantage of this clean energy resource.(February 2014)
Factory farms threaten the health of Illinois’s rivers, lakes and streams. Across the state, large-scale releases of animal waste and other forms of pollution have fouled local waterways to the point where some can no longer sustain important uses such as swimming, fishing, drinking, or the maintenance of healthy populations of wildlife. This case study report highlights five specific instances of factory farm pollution damaging local waterways, and includes policy recommendations for stronger regulation and enforcement of these facilities in Illinois.(February 2014)
Universities and colleges across the country are taking steps to encourage their communities, students, faculty and staff to decrease their reliance on personal vehicles. These efforts are working and showing that efforts aimed at reducing driving deliver powerful benefits for students, staff and surrounding areas. Policymakers at all levels of government should look to college campuses for useful models when looking to expand the range of transportation options available to Americans and address the transportation challenges facing our communities.(February 2014)
Credit cards can pose serious risks to consumers, and credit card debt remains a fact of life for many Americans. Yet when faced with confusing credit card agreements, identity theft and fraud, or seemingly arbitrary fees and charges on their bills, many consumers don’t know where to turn. In Credit Cards, Consumer Complaints, the fourth in a series of reports on the Consumer Financial Protection Bureau's Consumer Complaint Database, we examine the problems consumers encounter with their credit cards, the major credit card companies' responses to those complaints, and the relief consumers are granted as a result of their complaints to the CFPB. Ultimately, the report finds that thousands of consumers have had their complaints resolved through the CFPB's consumer complaint process.(January 2014)