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Consumer Action
Consumer Action is a nonprofit, consumer education and advocacy center, serving consumers in the United States. Founded in 1971, the mission of Consumer Action is to help individual consumers assert their rights in the marketplace and to advance pro-consumer industry-wide change for the benefit of all. Consumer Action primarily achieves that mission by providing multi-lingual education, outreach, and advocacy services. It has offices in San Francisco, Washington, D.C., and Los Angeles. Mission Consumer Action's mission is to educate and advocate for consumers, publish and disseminate free multilingual consumer educational materials and fight for laws and regulations that benefit consumers — not large businesses and corporations. Overview Consumer Action's frequent focus is consumer credit—and the related areas of credit cards, banking and finance, money management, and pricing; as well as health, housing, scams, fraud, privacy, and more. Consumer Action is well known for it ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
San Francisco
San Francisco (; Spanish language, Spanish for "Francis of Assisi, Saint Francis"), officially the City and County of San Francisco, is the commercial, financial, and cultural center of Northern California. The city proper is the List of California cities by population, fourth most populous in California and List of United States cities by population, 17th most populous in the United States, with 815,201 residents as of 2021. It covers a land area of , at the end of the San Francisco Peninsula, making it the second most densely populated large U.S. city after New York City, and the County statistics of the United States, fifth most densely populated U.S. county, behind only four of the five New York City boroughs. Among the 91 U.S. cities proper with over 250,000 residents, San Francisco was ranked first by per capita income (at $160,749) and sixth by aggregate income as of 2021. Colloquial nicknames for San Francisco include ''SF'', ''San Fran'', ''The '', ''Frisco'', and '' ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
San Francisco Chronicle
The ''San Francisco Chronicle'' is a newspaper serving primarily the San Francisco Bay Area of Northern California. It was founded in 1865 as ''The Daily Dramatic Chronicle'' by teenage brothers Charles de Young and M. H. de Young, Michael H. de Young. The paper is owned by the Hearst Corporation, which bought it from the de Young family in 2000. It is the only major daily paper covering the city and county of San Francisco. The paper benefited from the growth of San Francisco and had the largest newspaper circulation on the West Coast of the United States by 1880. Like other newspapers, it experienced a rapid fall in circulation in the early 21st century and was ranked 18th nationally by circulation in the first quarter of 2021. In 1994, the newspaper launched the SFGATE website, with a soft launch in March and official launch November 3, 1994, including both content from the newspaper and other sources. "The Gate" as it was known at launch was the first large market newspaper ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Consumer Organizations In The United States
A consumer is a person or a group who intends to order, or uses purchased goods, products, or services primarily for personal, social, family, household and similar needs, who is not directly related to entrepreneurial or business activities. The term most commonly refers to a person who purchases goods and services for personal use. Consumer rights “Consumers, by definition, include us all," said President John F. Kennedy, offering his definition to the United States Congress on March 15, 1962. This speech became the basis for the creation of World Consumer Rights Day, now celebrated on March 15. In his speech : John Fitzgerald Kennedy outlined the integral responsibility to consumers from their respective governments to help exercise consumers' rights, including: *The right to safety: To be protected against the marketing of goods that are hazardous to health or life. *The right to be informed: To be protected against fraudulent, deceitful, or grossly misleading informatio ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Consumer Federation Of America
The Consumer Federation of America (CFA) is a non-profit organization founded in 1968 to advance consumer interests through research, education and advocacy. According to CFA's website, its members are nearly 300 consumer-oriented non-profits, which themselves have a combined membership of 50 million people. CFA members include national organizations such as Consumers Union and U.S. PIRG, state and local consumer organizations, state and local protection agencies, credit unions, rural electric cooperatives and public power groups. Members pay dues ranging from under $100 to $20,000 per year, elect the board of directors and vote on policies. CFA has a wide range of activities and interests, many centered on scrutiny of businesses and their practices, products, and services by citizens, civic groups, the news media, and government regulatory agencies as a method of defending the interests of the public at large. It is generally regarded as liberal in the modern American sense of ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
The New York Times
''The New York Times'' (''the Times'', ''NYT'', or the Gray Lady) is a daily newspaper based in New York City with a worldwide readership reported in 2020 to comprise a declining 840,000 paid print subscribers, and a growing 6 million paid digital subscribers. It also is a producer of popular podcasts such as '' The Daily''. Founded in 1851 by Henry Jarvis Raymond and George Jones, it was initially published by Raymond, Jones & Company. The ''Times'' has won 132 Pulitzer Prizes, the most of any newspaper, and has long been regarded as a national " newspaper of record". For print it is ranked 18th in the world by circulation and 3rd in the U.S. The paper is owned by the New York Times Company, which is publicly traded. It has been governed by the Sulzberger family since 1896, through a dual-class share structure after its shares became publicly traded. A. G. Sulzberger, the paper's publisher and the company's chairman, is the fifth generation of the family to head the pa ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Credit Card Interest
Credit card interest is a way in which credit card issuers generate revenue. A card issuer is a bank or credit union that gives a consumer (the cardholder) a card or account number that can be used with various payees to make payments and borrow money from the bank simultaneously. The bank pays the payee and then charges the cardholder interest over the time the money remains borrowed. Banks suffer losses when cardholders do not pay back the borrowed money as agreed. As a result, optimal calculation of interest based on any information they have about the cardholder's credit risk is key to a card issuer's profitability. Before determining what interest rate to offer, banks typically check national, and international (if applicable), credit bureau reports to identify the borrowing history of the card holder applicant with other banks and conduct detailed interviews and documentation of the applicant's finances. Interest rates Interest rates vary widely. Some credit card loans are s ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
The Washington Post
''The Washington Post'' (also known as the ''Post'' and, informally, ''WaPo'') is an American daily newspaper published in Washington, D.C. It is the most widely circulated newspaper within the Washington metropolitan area and has a large national audience. Daily broadsheet editions are printed for D.C., Maryland, and Virginia. The ''Post'' was founded in 1877. In its early years, it went through several owners and struggled both financially and editorially. Financier Eugene Meyer purchased it out of bankruptcy in 1933 and revived its health and reputation, work continued by his successors Katharine and Phil Graham (Meyer's daughter and son-in-law), who bought out several rival publications. The ''Post'' 1971 printing of the Pentagon Papers helped spur opposition to the Vietnam War. Subsequently, in the best-known episode in the newspaper's history, reporters Bob Woodward and Carl Bernstein led the American press's investigation into what became known as the Watergate scandal ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Predatory Lending
Predatory lending refers to unethical practices conducted by lending organizations during a loan origination process that are unfair, deceptive, or fraudulent. While there are no internationally agreed legal definitions for predatory lending, a 2006 audit report from the office of inspector general of the US Federal Deposit Insurance Corporation (FDIC) broadly defines predatory lending as "imposing unfair and abusive loan terms on borrowers", though "unfair" and "abusive" were not specifically defined. Though there are laws against some of the specific practices commonly identified as predatory, various federal agencies use the phrase as a catch-all term for many specific illegal activities in the loan industry. Predatory lending should not be confused with predatory mortgage servicing which is mortgage practices described by critics as unfair, deceptive, or fraudulent practices during the loan or mortgage servicing process, post loan origination. One less contentious definition of ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Consumer Federation
The Consumer Federation of America (CFA) is a non-profit organization founded in 1968 to advance consumer interests through research, education and advocacy. According to CFA's website, its members are nearly 300 consumer-oriented non-profits, which themselves have a combined membership of 50 million people. CFA members include national organizations such as Consumers Union and U.S. PIRG, state and local consumer organizations, state and local protection agencies, credit unions, rural electric cooperatives and public power groups. Members pay dues ranging from under $100 to $20,000 per year, elect the board of directors and vote on policies. CFA has a wide range of activities and interests, many centered on scrutiny of businesses and their practices, products, and services by citizens, civic groups, the news media, and government regulatory agencies as a method of defending the interests of the public at large. It is generally regarded as liberal in the modern American sense of ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Urban Institute
The Urban Institute is a Washington, D.C.–based think tank that carries out economic and social policy research to "open minds, shape decisions, and offer solutions". The institute receives funding from government contracts, foundations and private donors. The Urban Institute measures policy effects, compares options, shows which stakeholders get the most and least, tests conventional wisdom, reveals trends, and makes costs, benefits, and risks explicit. The Urban Institute has been referred to as "nonpartisan", "liberal", and "left-leaning". In 2020, the Urban Institute co-hosted the second annual Sadie T.M. Alexander Conference for Economics and Related Fields with The Sadie Collective in Washington, D.C. History and funding The Urban Institute was established in 1968 by the Lyndon B. Johnson administration to study the nation's urban problems and evaluate the Great Society initiatives embodied in more than 400 laws passed in the prior four years. Johnson hand-selected we ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Advocacy
Advocacy is an Action (philosophy), activity by an individual or advocacy group, group that aims to influence decision making, decisions within political, economic, and social institutions. Advocacy includes activities and publications to influence public policy, laws and budgets by using facts, their relationships, the media, and messaging to educate government officials and the public. Advocacy can include many activities that a person or organization undertakes, including media campaigns, public speaking, commissioning and publishing research. Lobbying (often by lobby groups) is a form of advocacy where a direct approach is made to legislators on a specific issue or specific piece of legislation. Research has started to address how advocacy groups in the United States and Canada are using social media to facilitate civic engagement and collective action. Forms There are several forms of advocacy, each representing a different approach in a way to initiate changes in the s ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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