Sally Greenberg, NCL CEO, receives HerMANA award

September 26, 2024

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

WASHINGTON, DC – National Consumers League CEO Sally Greenberg was awarded the prestigious HerMANA award by MANA at the AT&T Forum on September 26 in Washington, DC. MANA is a national Latina grassroots membership organization founded in 1974 with a mission to strengthen Latinas through mentoring, education, and advocacy. It is one of the leading Latina voices on many of the key issues in the public sphere, with a focus on education, health and well-being, financial literacy, equal and civil rights, and immigration reform.

Greenberg was honored in recognition of her commitment to inclusivity and advocacy on behalf of consumers. NCL has been in a long-term partnership with MANA particularly in the areas of health equity and financial health.

Past HerMANA awardees include FCC Chairwoman, The Honorable Jessica Rosenworcel; Rosa Rosales, former National President of the League of the United Latin American Citizens; Congresswoman Nanette Barragan, Chair of the Congressional Hispanic Caucus; Bonnie Erbe of PBS’ To the Contrary; Maria Cardona of the Dewey Square Group, and many others.

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About the National Consumers League (NCL) 

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

Harris Poll sounds alarm on financial literacy gap

September 24, 2024

Media contact: National Consumers League – Lisa McDonald, lisam@nclnet.org, 202-207-2829

WASHINGTON, DC – The National Consumers League (NCL), founder of LifeSmarts, one of the premier youth consumer education programs in the country, is sounding the alarm on the urgent need for better financial education. Recent findings of an independent survey by The Harris Poll, recently commissioned by FICO, revealed a starling reality: over 74% of Americans think their current financial situation would improve if they had access to more personal finance resources and education, and 79% percent of Americans believe high schools should offer financial education. See the FICO study here.

“We are deeply concerned that one out of four younger Americans do not consider themselves to be financially literate,” says Sally Greenberg, NCL’s CEO. “We can guarantee any student who experiences the LifeSmarts curriculum and competes at our state and national championships will be better equipped to navigate financial decision-making throughout their adulthood.”

NCL has seen firsthand how concerns about financial stability can be addressed directly through creative programming offered through schools and community organizations, and the private and public sectors can do more to address the financial literacy gap. We literally can’t afford, as a nation, to wait until children become adults to start teaching them how to manage their finances,” says Greenberg. “They need to build their knowledge base, which will give them the power to control and take charge of the many financial decisions they will be called upon to make in adulthood. Our LifeSmarts stands ready to help in any way we can.”

NCL commends FICO for conducting this important research and for its leadership on financial literacy via its Score a Better Future and Score a Better Future Fundamentals program.  Key components of the Fundamentals curriculum have been incorporated into the LifeSmarts program, which serves more than 125,000 students and 3,000 educators around the country each year.

This October, NCL’s LifeSmarts curriculum will focus on credit education, which is one of the most  critical components of financial literacy. The new research finds that while nearly two-thirds of Gen Z adults (61%) believe their credit score is a fair representation of their overall financial health, fewer than half (46%) of young adults have checked their credit score in the past year. Nearly one in four (24%) are not sure where to find this information. A similar percentage (28%) say they lack the tools or knowledge to improve their credit score.

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 About the National Consumers League (NCL) 

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

About LifeSmarts
The National Consumers League’s (NCL) youth consumer education program, LifeSmarts, was established in 1993 and today serves more than 125,000 middle and high school students and 3,000 educators across the country. Through LifeSmarts, students learn about real-life consumer issues in five topic areas: Health & Safety, Consumer Rights & Responsibilities, Personal Finance, Technology & Workforce Preparation, and the Environment. They compete to win prizes and scholarships at the Varsity National LifeSmarts Championships in April each year and the Junior Varsity National LifeSmarts Championship in May. NCL LifeSmarts is active in all 50 states and the District of Columbia.

About the FICO survey

This survey was conducted online within the United States by The Harris Poll on behalf of FICO from August 27-29, 2024, among 2,092 U.S. adults ages 18 and older. Gen Z respondents were 18-27 years old; Millennials were 28-43 years old; Gen Xers were 44-59 years old; and Baby Boomers were 60-78 years old. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.5 percentage points using a 95% confidence level. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact press@fico.com.

 

National Consumers League statement on FTC action against Big Three PBMs

September 20, 2024

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

WASHINGTON, DC – The National Consumers League (NCL), America’s pioneering consumer advocacy organization, today applauds the Federal Trade Commission (FTC) for bringing action against the three largest prescription drug benefit managers (PBMs) and affiliated group purchasing organizations (GPOs). The FTC’s administrative complaint states that PBMs have engaged in anticompetitive and unfair rebate practices, inflating the list prices of insulin, lining their pockets, and transferring the costs to patients.

The following statement is attributable to NCL’s Chief Executive Officer Sally Greenberg:

“We applaud the FTC for its continued actions and investigation into PBMs. This latest action reinforces the role PBMs play in creating consumers high out-of-pocket costs of medicines consumers face. Caremark Rx, Express Scripts, and OptumRX administer four-fifths of all prescriptions within the states, and prioritizing their profits over the patients’ wellbeing directly impact why 25 percent of insulin patients are unable to afford their medication.”

The FTC’s press release about the administrative complaint can be read here.

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 About the National Consumers League (NCL) 

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

Nancy Glick

The Obesity Bill of Rights: Priorities for government action

Nancy GlickBy Nancy Glick, Director of Food and Nutrition Policy

Americans need and now have an Obesity Bill of Rights for a reason: People with obesity do not receive the same concern, level of attention, and quality care as those with any other serious chronic disease.  

Put into real-life terms: Though the adult obesity rate now exceeds 42 percent – the highest level ever recorded – obesity is still viewed as a problem of lack of willpower; too many health professionals act in discriminatory ways based on people’s size; and those seeking obesity care often face exclusions in insurance plans, restrictive practices that delay or deny treatment, or are not factored into decisions regarding medicine use.   

The consequence is that only 10 percent of people with obesity get help from medical professionals and only 2 percent of those eligible for treatment with Food and Drug Administration (FDA)-approved anti-obesity medicines (AOMs) have been prescribed these drugs, meaning the disease remains undiagnosed and undertreated. Compounding the impact, untreated obesity worsens the outcomes of more than 230 other chronic diseases, which is why obesity is responsible for as many as 400,000 Americans dying from obesity annually and costs the nation $1.72 trillion a year  in direct and indirect health expenditures – more than what Social Security paid in retirement benefits in 2022. 

It does not have to be this way. 

And this is where the Obesity Bill of Rights enters the picture. Developed by the National Consumers League (NCL) and the National Council on Aging, in consultation with leading obesity specialists, the bill of rights establishes eight essential rights with the core requirements so adults will receive the same person-centered, quality care for obesity as those with other chronic conditions. As such, the bill of rights serves as a blueprint for necessary changes in medical practice and government policy, starting with actions that can happen now. 

One immediate action item is pressing Congress to pass the Treat and Reduce Obesity Act (TROA), an important legislation that will allow more seniors to be treated with FDA-approved anti-obesity medications under the Medicare program. This matter is a high priority because obesity rates have nearly doubled among older adults to include two in every five Americans ages 65 and older. 

Another priority is ensuring that health professionals have the prescribing information to effectively treat people with obesity when they are taking drugs for other conditions, such as depression, schizophrenia, infections, and cancer. The simple fact is that certain drugs work differently in people with obesity and the consequences can be underdosing, a delay in response time, or the drug remaining in the body too long, potentially causing side effects. For example, studies show the drug brexpiprazole (Rexulti®), which treats depression and schizophrenia, takes significantly longer to reach effective levels in people with obesity – and some patients never reach these levels. Fortunately, the same research provides an improved dosing regimen so all patients with obesity can achieve efficacy. 

A different challenge involves drugs like posaconazole (Noxafil®), an antifungal often prescribed by oncologists to prevent infections. Two separate clinical trials show that obesity significantly increases posaconazole’s “half-life” – a term reflecting the amount of time it takes to rid the drug from the body. Half-life is an issue with posaconazole because many oncology medications must be delayed until the drug is out of the body’s system. Thus, if the package insert does not flag this matter when patients have obesity, doctors prescribing posaconazole may not know about the increase in half-life and start using oncology medicines too soon.  

These problems are not rare, but drug labels to guide safe and effective prescribing are dismissing people with obesity. For this reason, the Obesity Bill of Rights includes language to make accurate prescribing a requirement for receiving person-centered obesity care. Moreover, because increasing research validates the consequences of “flying blind” when drugs behave differently in the bodies of people with obesity, the obesity community is raising alarm bells, supported by a position statement from the American College of Clinical Pharmacology (ACCP), which urges FDA to close gaps in the testing and approval process for new drugs intended for use by people with obesity.  

However, because more immediate action is needed, five leading obesity organizations – American Society for Metabolic and Bariatric Surgery, the Obesity Action Coalition, the Obesity Medicine Association, the STOP Obesity Alliance, and The Obesity Society – issued a joint statement calling on drug manufacturers to update their labeling immediately to provide correct usage instructions for people with obesity when there should be a difference in dosing.  

NCL stands with the obesity community in calling for this sensible action and urges FDA to be a catalyst in ensuring that health professionals have the prescribing information needed for their patients with obesity to take important therapeutics safely and achieve the maximum benefit. For more information, visit right2obesitycare.org.

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 About the National Consumers League (NCL) 

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

NCL urges Congress to strengthen consumer protections against aviation cyber incidents

September 18, 2024

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

WASHINGTON, DC – Today, NCL Vice President John Breyault testified before the U.S. Senate Committee on Commerce, Science, & Transportation. The hearing examined cybersecurity threats to the air travel industry and the impacts that these disruptions have on passengers. The Committee’s inquiry follows recent disruptive events in air travel stemming from digital vulnerabilities, such as last month’s cyberattack on Seattle-Tacoma International Airport and the mass outage attributed to a CrowdStrike update in July.  

“When cybersecurity incidents occur in the airline industry, consumers are often the ones who suffer most,” stated Breyault. “Flights are delayed or canceled, personal information is compromised, and families can find themselves stranded for days without recourse.” 

Despite the surge in digital threats targeting the aviation sector, key safeguards remain absent. In his testimony, Breyault urged Congress to take steps to reduce the risk of cyber incidents and to mitigate the harm to passengers when such mishaps occur. 

Specifically, NCL advocated for Congress to: 

  • Establish comprehensive data security standards to provide a baseline of protection for the data consumers routinely share when flying; 
  • Enact legal protections against hacking, fraud, and theft for the billions of dollars in airline rewards that consumers earn, store, and redeem each year; and 
  • Codify the U.S. Department of Transportation’s authority to implement delay compensation requirements for airlines, minimizing out-of-pocket costs for passengers needing food, drink, lodging, and alternative transportation during a flight disruption. 

Breyault’s full written testimony to the Senate Commerce Committee can be found here. 

More information on NCL’s recent work to protect the flying public can be found below. 

The Senate hearing can be viewed here.

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 About the National Consumers League (NCL) 

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

National Consumers League statement on DOT action in Alaska-Hawaiian merger review

September 17, 2024

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 202-207-2831

WASHINGTON, DC – The National Consumers League (NCL), America’s pioneering consumer and worker advocacy organization, today applauded the United States Department of Transportation’s (DOT) historic agreement with Alaska Airlines and Hawaiian Airlines to place enforceable public interest conditions on the merger. NCL has long called for DOT to exercise its authority more forcefully to police airline industry mergers.   

The following statement is attributable to John Breyault, National Consumer League Vice President of Public Policy, Telecommunications, and Fraud: 

 “After decades of unchecked mergers, four airlines together control over two-thirds of U.S. domestic air travel. Today’s action puts the airline industry on notice that under the Biden-Harris Administration, its days of scrutiny-free consolidation are over. Consumer protection agencies like the Federal Communications Commission have long used their merger review authority to place pro-consumer and pro-competition conditions on mergers. We welcome DOT taking steps to safeguard the frequent flyer miles that Alaska’s and Hawaiian’s rewards program members have built up. And we applaud DOT for ensuring that this merger does not endanger the critical air service that rural communities in Alaska and Hawaii depend on. We look forward to DOT continuing to use all the tools in its regulatory toolbox to protect and promote competition and fairness in the air travel marketplace.” 

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 About the National Consumers League (NCL) 

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

Getting a ticket to the U.S. Open: My story

By Sally Greenberg, CEO of the National Consumers League

Each year, I look forward to the end of summer because I take an annual pilgrimage to the U.S. Open tennis tournament in Queens, NY.  What I don’t look forward to is the process of trying to get a ticket to this event. Like millions of other fans, it always feels to me like I’m playing a rigged game designed to wring every dime of profit out of me.

In the olden days, I could stand in line at the window of the tennis center an hour before the gates opened and buy a face-value ticket with no fees attached. In those halcyon days of yore, the tickets were typically priced around $120 – 160, getting me a grounds pass and entry into the show courts, where the best matches are played.

So much for the good old days; today, there are no face-value tickets to be had.  The business of selling and scalping tickets has become a corporate enterprise, with private equity firms getting in on the game as tickets get sold for sky-high prices with exorbitant junk fees tacked on for good measure.

In sum, my chances of getting a face-value ticket to the U.S. Open are about the same as my chances of seeing a dodo bird.

My effort to get tickets to the U.S. Open was as frustrating as it is familiar for millions of fans.  On August 15, I searched the Ticketmaster site to see about getting a ticket to the Open on Friday, August 30. Being a good consumer, I comparison shopped by googling “U.S. Open Tickets” and up came results from SeatGeek, StubHub, and Vivid. On the official Ticketmaster site for the tournament, I could find no face-value tickets for games on the Arthur Ashe court during an in-demand weekend, just “Verified Resale” tickets.

Why were there no tickets available? This is where the lack of transparency in the ticket marketplace comes into play. Were those tickets scooped up by ticket brokers looking to turn a quick buck? Did they have special “deals” with corporate sponsors, the U.S. Open itself, or other connected insiders? Or did the brokers get their tickets with the help of illegal ticket-buying “bot” software? No one knows though FTC enforcement against several brokers in 2021 suggests this may be the case more often than not.

In the end, I knuckled under and bought two tickets from a resale site—$249.00 + $47.67 in fees each, for two tickets in the top row of a huge stadium. Even then, my ordeal was not over. I received a confusing “Good News” email telling me that the seller had transferred the tickets to me and to check the U.S. Tennis Association app, which I did. No tickets.

I checked the U.S. Open app.  No tickets.

I checked the Ticketmaster app. No tickets.

I continued to check all week to no avail.

I tried reaching out to the reseller via their customer service email address and received no response. I looked for a customer service phone number to call to no avail. The event was getting close, and I began to panic.

While my story did end happily (I got my tickets), it required me to move heaven and earth (and get in touch with the company’s lobbyist) to find a resolution. This is not an option for most consumers who too often have to put up with lousy customer service to get simple problems resolved.

There are no angels in this industry. Whether buying from a reseller, Ticketmaster, or directly from the box office, consumers find themselves feeling gouged, forced to pay junk fees thanks to drip pricing, and having to put up with bad customer service operations. Just ask the millions of Oasis fans who suddenly learned what “dynamic pricing” can do to the price of a ticket.

It does not have to be this way.

The National Consumers League has long been a voice for consumers fed up with having to navigate what feels like a Rube Goldberg-esque scheme simply to get a simple ticket to a concert, theater, or sporting event.

So, what are our policy recommendations?

  • America needs a national all-in ticket pricing law to end hidden junk fees. The House of Representatives overwhelmingly passed the TICKET Act earlier this year, which would do just that. The Senate should follow suit.
  • The FTC should investigate how tickets end up on the resale marketplace. While much attention gets paid to the eye-watering price of tickets on the resale market, shockingly, little has been paid to how they get there in the first place.
  • Primary ticket sellers should be required to disclose how many tickets will be made available to the general public and how many are being “held back” for connected insiders.
  • Ticket sellers should be required to maintain 24/7 customer service phone lines to assist consumers who need help navigating the overly complicated processes for actually accessing tickets.

All of the stakeholders in the success of live events should get behind these recommendations. If fans continue to be mistreated by the industry, they’ll stop going to events, and that will be a loss for more than just this tennis fan.

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About the National Consumers League (NCL)

The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

Labor Day’s dark reality: The alarming rise in child labor in America (Op-ed by NCL CEO Sally Greenberg was first published in USA Today, Sep 2, 2024)

By Sally Greenberg, CEO of the National Consumers League and Chair of the Child Labor Coalition

It may seem counterintuitive to suggest that, on Labor Day, we devote our attention to a subset of the American population who should not be working, or at least not working in jobs that are entirely inappropriate for them.

According to the Department of Labor, the number of minors involved in documented child labor violations (not including the ones that are never reported) increased a mind-boggling 472 % between 2015 and 2023, with teenagers working late night shifts, too many hours, and working in hazardous environments. It can be speculated that, as labor shortages have worsened in this country, employers are turning to those under 18 to fill those gaps.

It’s not supposed to be this way.

Back in the early 20th-century industrialization era, children made up a large portion of the labor force in factories and mines.  This led to inhumane abuses and demands by groups like the National Consumers League to institute legal protections. Congress responded by passing the Fair Labor Standards Act (FLSA) of 1938, which, among other provisions, limited the number of hours a minor could work, reduced their exposure to unsafe jobs, and ensured they didn’t have to work during the hours they should be in school.

This was a historic achievement for the National Consumers League, now celebrating its 125th anniversary. However, it’s a bitter reality that the organization is once again having to make child labor reforms an urgent priority.

Despite the safeguards of the FLSA, recent news reports highlight the alarming rise of child labor violations across the U.S., accompanied by a predominantly Republican and industry-led effort to attack state labor laws with the goal of weakening the FLSA. Over the past three years, twenty-eight states have introduced legislation undermining crucial protections for child laborers.

What is incomprehensible is that, instead of trying to correct a situation that is so obviously wrong, efforts have been made to weaken restrictions on hazardous work for teenagers and to extend the number of hours they can be called upon to work. Instead of trying to protect children, lawmakers are answering the calls of industry to make it easier for them to be exploited.

Children fall asleep in school today because they’ve come straight to class from working graveyard shifts. Teachers have contacted authorities when they found chemical burns on students’ limbs. A teenager had to have both legs amputated after an industrial accident while working for a construction company. And, most recently, a 16-year-old was electrocuted while working a roofing job.

We implore lawmakers to toughen existing penalties for employers who choose to ignore the law and exploit and endanger children.

On this Labor Day, it is right and necessary to ask our policymakers to renew their commitment to the health, safety, and well-being of all our children and recognize their value as a part of this country’s future instead of as a cheap source of labor.

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About the National Consumers League (NCL)

The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.